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Your Privacy is Important to Us
We value your Membership and your privacy is very important to
us. Travis Credit Union respects your concerns about maintaining
privacy of your personal information. We want to assure you that
we maintain strict security procedures to protect your
information.
We are committed to providing you with competitive products and
services to meet your financial needs, which necessitates that
we share information about you to complete your transactions and
to provide you with certain financial opportunities. In order to
do so, we have entered into agreements with nonaffiliated third
party financial service providers and other companies that
provide either services to us or additional financial products
for you to consider. We may also disclose information about you
under other circumstances as permitted or required by law. These
disclosures typically include information to follow your
instructions as you authorize, process transactions on your
behalf, conduct our operations, or protect the security of our
financial records.
It is the policy of Travis Credit Union not to sell any
information to anyone or provide any member information to any
list service for independent use.
Information We Collect About You
To help us serve your financial needs, provide member service,
offer new products and services and fulfill legal and regulatory
requirements, we collect nonpublic personal information about
you as follows:
- Information you provide to us verbally or in writing on
our membership application, loan applications, and other
applications and forms, such as your name, address, Social
Security Number, date of birth, assets, income and debt
- Information about your transactions with us, such as
loan and share account histories and balances, payment
history, ATM, and Credit and Check Card activity.
- Information we receive from consumer reporting agencies,
such as your credit history or report and credit score.
- Passwords, Personal Identification Numbers, or other
access codes created or that you create in connection with
products or services we offer.
- Other sources, to verify the information you provide on
applications, such as account and loan balances at other
financial institutions as well as income and employment.
Information We Disclose
Disclosure to Nonaffiliated Third Parties
We may disclose non-public information in order to provide
you with the products and services that you request or to
effect, administer or enforce a transaction that you request
or authorize. We may also disclose non-public personal
information about you to the following types of
non-affiliated third parties:
- Financial service providers, such as ATM networks,
mortgage insurers, escrow and title companies, bill
payment processors, credit reporting agencies and
similar consumer reporting agencies like ChexSystems
- Non-financial companies, such as check printers,
data processors and businesses that prepare and
distribute our account statements and marketing
information
- Others, such as technical service consultants and
Internet services companies.
- Non-public personal information about you to
nonaffiliated third parties as permitted or required by
law
Disclosure Under Marketing
Arrangements
We may also disclose information we collect (excluding
your account numbers, PINs, passwords, other access
codes, and Social Security Number) as described in
“Information We Collect About You” above, to
nonaffiliated third party companies that perform
marketing and related services on our behalf, and to
other financial service providers with whom we have
joint marketing agreements, for the purpose of marketing
and targeted direct mail solicitations of financial
products and services that we believe may be of value
and interest to you. In all instances, we only disclose
the limited information necessary to perform these
services and do not share information we have collected
about you, except as permitted by law.
If You Terminate Your Relationship
With Us
If your credit union Membership is terminated we will
not share information we have collected about you,
except as permitted or required by law.
Confidentiality and Security
To protect your privacy, we work only with companies
that agree to maintain strong confidentiality
protections and limit the use of information that we
provide. All agreements with other companies, including
joint marketing agreements, contain required
confidentiality clauses that prohibit these companies
from selling the information we provide to them to other
third parties and require them to safeguard the
information while in their possession.
We restrict access to nonpublic personal information
about you to those employees who have a specific
business in utilizing your data. Our employees are
trained in the importance of maintaining confidentiality
and customer privacy. We maintain physical, electronic,
and procedural safeguards that comply with federal
regulations, California state laws and leading industry
practices to safeguard your nonpublic personal
information.
Safeguarding Your Own Privacy
Each individual also has a responsibility to safeguard
their financial information.
Protect your account numbers, PINs and passwords. Never keep
your PIN with your debit, ATM or credit card, which could
provide access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, Social
Security numbers, etc. to other persons. If someone calls you,
explains the call is on behalf of the credit union and asks for
your account number, do not divulge that information. Official
credit union staff will have access to your information and will
not need to ask for it.
Keep your information current. We need to have current
information on how to reach you. If we detect or suspect
possible fraudulent or unauthorized activity or use of an
account, we need to be able to contact you.
Contact Us
If you have any questions regarding our privacy policy,
you may write the Privacy Officer at Travis Credit Union, P.O.
Box 2069, Vacaville, CA 95696-2069 or call us at: (707) 449-4000
or (800) 877-8328
Travis Credit Union
P.O. Box 2069
Vacaville, CA 95696
TCU-10020 (2008) |
