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Privacy Policy
| Member
Privacy Policy Disclosure |
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We at Tracy Federal Credit Union value the
privacy of our members. You have chosen to do business with us,
and we recognize our responsibility to keep the information you
provide to us secure and confidential. We believe that all personal
financial information specific to you that you provide to the
Tracy Federal Credit Union through any channel constitutes personal
information. Protecting your privacy, along with your financial
assets is our top priority. As a service to you, our member,
we may share information with select third parties that can offer
valuable products and services that may interest you. When we
share information with other parties for marketing purposes,
you can expect them to treat it with the same strict standards
as your credit union. This privacy policy explains how we protect
the privacy of your personal information and when we release
information about you under certain situations, such as to maintain
your account, or other circumstances as required or permitted
by law. |
| Information
We Collect and Disclose to Others |
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In the course of doing business, we
collect and use various types of information, such as information
available from public records and credit reports, as well
as information you provide to us. We may also access information
about you, such as credit reports, when considering a request
from you for additional services or when exercising our rights
under the law or any agreement with you. In addition, we
collect information about you from the following sources:
- Information we receive from you
on applications and other forms you submit to us, such
as your name, address and social security number.
- Information about your transactions
with us, our affiliates or others such as account balances
and payment history.
- Information we receive from credit
reporting agencies, such as your credit worthiness and
credit history.
We may also disclose all of the information
that we collect as described above. We do not disclose any
non-public personal information about our members and former
members to anyone, except as permitted by law.
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| Sharing
Information with Third Parties |
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We may disclose non-public personal information
about you to financial service providers such as mortgage bankers,
securities broker-dealers, and insurance agents. We may also
disclose non-public personal information about you to non-affiliated
third parties as necessary to complete transactions, maintain
accounts and records, and as permitted by law.
We may disclose all the information we collect
as described above, to companies that perform marketing services
on our behalf or to other financial institutions with whom
we have joint marketing agreements. We may also disclose information
about you under other circumstances, as permitted or required
by law.
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| Termination
of Membership |
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If you decide to terminate your membership
with Tracy Federal Credit Union, we will not share information
we have collected about you, except as may be permitted or required
by law. |
| Confidentiality
and Security of Information |
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Keeping your financial information secure
is an important responsibility that is taken seriously at Tracy
Federal Credit Union. We value your trust and handle your information
with care. We restrict access to non-public personal information
about you to those employees who need to know that information
to provide products or services to you. Our policies and procedures
emphasize the importance of keeping our members information confidential.
We maintain physical, electronic, and procedural safeguards that
comply with federal regulations to guard your non-public personal
information. |
| Accuracy
of Information |
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We make every effort to ensure that
our records contain accurate, current and complete information.
If you find that your account information is inaccurate, please
call us at 209-832-6450 or write to us at P.O. Box 1147, Tracy,
CA 95378-1147. We will promptly investigate and make any necessary
changes to update our records. |
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