T&C is strongly committed to protecting the privacy of our members and potential members when you are using or inquiring about our online products and services. We use secure technology and privacy protection controls to safegaurd your personal information.

When you visit TCFCU.ORG or use our home banking product our system automatically gathers certain usage information. We use a technology nicknamed “cookies\" that tells us how and when pages on our site are visited and by how many people. We use this data to help us determine how many visitors use different parts of the site so that we can focus on and improve certain areas of our website to make them easier and more helpful for our members and potential members to use. We do not collect personally identifiable information in our “cookies\" that tell us who you are or what your screen name or e-mail address is.

This policy applies only to T & C’s website and products and services. It does not apply to other companies or organizations websites that we link to. Other websites that you visit may have their own privacy policies or no policy at all. We encourage you to review the privacy policy of web sites before you provide them with any of your personal information.

REMEMBER, no one from the credit union will call you and ask you for your account number or password. NEVER reveal your password to anyone and use caution when giving out your account number online to make purchases. If you think you may have fallen for a scam and given out your password, sign-on to home banking, ADDY or contact the credit union to change your password. Your password should be easy for you to remember but difficult for others to guess and you should change your password frequently.

T & C Federal Credit Union is committed to building strong member relationships by providing a full range of quality products and services that will enable our members to meet their financial needs and reach their financial goals. While information is the cornerstone of our ability to provide quality products and services, we also understand and respect the importance of protecting the information our members share with us. Keeping member information secure, and using it only as our members would want us to, is a top priority for all of us at T & C Federal Credit Union. The following sets forth our policies regarding our use and protection of your financial information. Our privacy policy and practices apply whether you are an active T & C FCU member, inactive member or former T & C FCU member.

T & C Federal Credit Union does not and will not sell mailing lists or the financial information of its membership. We do however share certain information in the course of providing and administering the products and services you use. All of our information sharing is protected by contractual non-disclosure agreements.

Collection and Disclosure of Personal Information:

When you apply for a product or service, we will only ask for personal information that is necessary to provide competitive financial products and services. In order to fulfill your requests and continue to maintain your membership effectively, we will retain and may share information we learn about you from the following sources; information received from you on applications(paper and online) or other forms such as your name, address, social security number; information about your transactions with us such as your payment history and credit card usage; information we receive from consumer reporting agencies such as your credit history.

Information Sharing with Third Parties:

Generally we share your nonpublic personal information with nonaffiliated third parties to complete transactions and maintain accounts and related records(such as data processors and check printers). We also share information with select nonaffiliated third parties if you request or authorize it; if the information is necessary to process a transaction initiated by you; if the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act or the disclosure is otherwise required or permitted by law.

We may occasionally provide information to reputable non-affiliated third parties to give you access to products you have requested that are not directly offered by T &C FCU, at an often reduced cost( for example as a T & C FCU member you are eligible to access special group rates on long term care insurance through CUNA Mutual). We may work with financial data groups that provide objective data to help us determine what future services you would find value in. T & C enters into arrangements only with businesses we believe provide a quality product or service and who follow strict confidentiality requirements to assure they are legally bound to safeguard any information that is shared with them.


Security Information:

T & C will protect your personal information. We will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions and protect member confidentiality. Employee access to personal information is restricted to their need to know such information for business reasons. All employees are trained to respect member privacy, and those who violate our Privacy Policies will be subject to discipline. T& C will maintain physical, electronic and procedural protections that comply with federal regulations to guard your nonpublic personal information and privacy.

Accuracy of Information:

We strive to make sure our records contain accurate information. Inaccurate information, when brought to our attention, will be corrected promptly. We request that you keep your personal information with us as current as possible so that you may take advantage of all that T & C has to offer.

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