Telcoe Privacy Notice

Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Telcoe 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:
Deposit account
Loan Account
Credit card
Safe deposit box
Retail installment contract we hold and service
Self-directed Individual Retirement Account where we act as custodian or trustee
Financial, investment, or economic advisory services (for a fee)
Home mortgage brokerage

We will tell you the sources of non-public personal information we collect on our members. We will tell you what measures we take to secure the information. 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. Non-public personal information does not include 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.

USA PATRIOT Act Information

To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including joint owners.

What This Means For You
When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you.

The information that 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 NON-PUBLIC PERSONAL INFORMATION
We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NON-PUBLIC PERSONAL INFORMATION AND NON-AFFILIATED THIRD PARTIES
We will not disclose your nonpublic personal information to non-affiliated third parties, except as permitted by law.

NON-PUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
We do not disclose non-public personal information about former members, except as permitted by law.

AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Non-public personal information we receive from you on an application or other forms, such as Name and Address.

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
We also disclose non-public personal information about you to non-affiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

Financial service providers, such as Insurance agents.