Teachers Credit Union
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Rev. 9/2010
FACTS WHAT DOES TEACHERS CREDIT UNION OR TCU DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they 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
  • Account balances
  • Transaction or loss history
  • Credit history
  • Credit scores
  • Checking account information
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 Teachers Credit Union or TCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Teachers Credit Union or TCU share? Can you limit this sharing?
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
Yes No
For our marketing purposes —
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes —
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes —
information about your creditworthiness
Yes Yes
For affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share
To limit our sharing
  • Call Toll-free 800-552-4745 - our menu will prompt you through your choice(s)
  • Visit us online: www.TCUnet.com
    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 a 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 toll-free 800-552-4745 or go to www.TCUnet.com
Who We Are
Who is providing this notice? Teachers Credit Union or TCU means the following institutions: Teachers Credit Union, TCU Agency, LLC and TCU Lending Agency, LLC.
What we do
How does Teachers Credit Union or TCU 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Teachers Credit Union or TCU collect my personal information?

We collect your personal information, for example, when you


  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Tell us about your investment or retirement portfolio
  • Show your driver's license

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.
See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Our affiliates include:
    • Companies with a Teachers Credit Union or TCU name
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Teachers Credit Union or TCU 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.
  • Our joint marketing partners include Securities Broker Dealers, Insurance or Title Insurance Companies or Agencies, Trust Companies, Real Estate Agencies or Private Label Credit Card Issuers.
Other Important Information

For Alaska Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Rev 9/2010

 

Any links to external websites are links to alternative sites not operated by TCU. TCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by TCU. TCU does not represent you or the third party if you enter into a transaction with the third party.

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