FACTS

FACTS

WHAT DOES TWIN RIVERS FEDERAL CREDIT UNION
DO WITH YOUR PERSONAL INFORMATION?


Why?

Financial companies choose how they share your personal information. Fe􀁛eral 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 and account balances

  • credit scores and income

  • payment history and transaction or loss history

When you are no longer our customer, we continue to share your information as described in this notice.


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 Twin Rivers Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Twin Rivers Federal Credit Union 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 investiaations, or to reoort 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


No


We Don't Share

For our affiliates’ everyday business purposes—

information about your creditworthiness


No


We Don't Share

For nonaffiliates to market to you

No

We Don't Share

Questions?

Call (315) 764-0240 or go to www.twinriversfcu.org



What we do

How does Twin Rivers Federal Credit Union

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 buildinas.

How does Twin Rivers Federal Credit Union

collect my personal information?

We collect your personal information, for example, when you

  • Open an Account or pay your bills

  • use your credit or debit card or show your government-issued ID


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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Twin Rivers Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Twin Rivers Federal Credit Union does not share with our 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 insurance companies.

Other important information


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