We, our, and us, when used in this notice, mean Texarkana Terminal Employees Federal Credit Union. This is our privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:
All of our consumer members who have a continuing relationship with us, such as:
We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information. We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options. We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control.
A non affiliated third party is a company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
THE INFORMATION WE COLLECT
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with non affiliated third parties
Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NON-AFFILIATED THIRD PARTIES
We may disclose nonpublic personal information to non affiliated third parties. Here are the kinds of nonpublic personal information we disclose to non affiliated third parties:
Nonpublic personal information we receive from you on an application or other forms, such as
You may opt out of the disclosure of the information listed above.
We do not share this information about members who reside in Alabama or Alaska. Members who reside in these states do not need to opt out. We do not share any information derived from deposit (share) relationships with us about members who reside in Mississippi. If you only have a deposit relationship with us and you reside in this state, you do not need to opt out. If you have a loan or other non deposit member relationship, and you do not want us to share this information about you, you should send us the opt out form.
Types of Non Affiliated Third Parties
We may disclose nonpublic personal information about you to the following types of non affiliated third parties:
Financial service providers, such as
Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to non affiliated third parties:
To provide our members with information about additional products and services
NONPUBLIC PERSONAL INFORMATION AND OTHER PARTIES
We do not disclose your nonpublic personal information to anyone, except as permitted by law or as disclosed in this disclosure.
NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
We do not disclose nonpublic personal information about former members, except as permitted by law.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Non affiliated Third Parties. If you do not want us to share your nonpublic personal information with non affiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to “opt out.”
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure of certain information.
Non affiliated Third Parties.
We have explained the kinds of nonpublic personal information we may disclose to non affiliated third parties. We have also explained the kinds of non affiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to non affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have one or more joint accounts, an opt out instruction given by one participant of such an account will affect all of the accounts of the person who opts our and all information from those accounts about others who participate in those accounts.
If you wish to opt out of disclosures, you may do so by contacting us by mail or by phone.
Our address is:
Texarkana Terminal Employees Federal Credit Union 3801 Texas Blvd.
Texarkana, Texas 75503
Your savings federally insured to at least $250,000 and back by the full faith and credit of the
United States Government National Credit Union Administration, a U.S. Government agency.