Why?

Financial companies choose how they will share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: 


• Social Security number and income. 

• Account balances and payment history. 

• Credit history and credit scores. 


When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share members™ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members™ personal information; the reasons TLCU Financial chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Does TLCU Cards share? Yes

Can you limit this sharing? No

 

For our marketing purposes to offer our products and services to you

Does FCU Cards share? Yes

Can you limit this sharing? No

 

For joint marketing with other financial companies

Does TLCU Cards share? No

Can you limit this sharing? We don’t share

 

For our affiliates′ everyday business purposes information about your transactions and experiences

Does TLCU Cards share? No

Can you limit this sharing? We don’t share

 

For our affiliates′ everyday business purposes information about your creditworthiness

Does TLCU Cards share? No

Can you limit this sharing? We don’t share

 

For our affiliates to market to you

Does TLCU Cards share? Yes

Can you limit this sharing? Yes

 

For our nonaffiliates to market to you

Does TLCU Cards share? No

Can you limit this sharing? We don’t share

 

To limit our sharing mail the form below

Please note:

If you are a new member we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 574-255-3193.

How does TLCU protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does TLCU collect my personal information?

We collect your personal information, for example, when you

open an account or deposit money, pay your bills or apply for a loan or use your credit or debit card.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 

 

Why can′t I limit all sharing?

Federal law gives you the right to limit only:

• sharing for affiliates′ everyday business purposes information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliate includes Trustage, doing business as Trustage which provides insurance services.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Credit Union Name does not share with nonaffiliates so they can market to you.

 

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

TLCU does not jointly market.

 

Notices and Joint Relationships

Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

 

 

Modification.

The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

 

 

What members can do to help?

Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. Its important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

 

Protecting Children.

We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children identities and online privacy is important and that responsibility rests with us and with parents.