• Texas Federal Credit Union Privacy Policy
• Collecting Personal Information
• Disclosing Personal Information
• Parties That Receive Your Information
• How to Stop Other Parties From Receiving Your Information
• Disclosure of Information About Former Members
• How We Protect Your Information
• Maintenance of Accurate Information
• More Information
• OPT-OUT RESPONSE REPLY FORM

Texas Federal Credit Union Privacy Policy

At Texas Federal Credit Union, we put our members first and take pride in offering a variety of financial services. Protecting your privacy, as well as your financial assets, is central to our mission.

Whether you are an existing member or are considering membership with us, we understand how important it is for you to know how we collect, retain and use information about you. We recognize that you have a right to expect your personal information to remain private and secure. Texas Federal Credit Union maintains standards to ensure that your personal information is private and secure at all times.

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 other companies that provide either services to us or additional financial products for you to consider.

We are permitted by law to share your information with these companies under certain circumstances without your consent. However, if you prefer that we not disclose information about you to these or certain other companies, you may "opt out" of these disclosures. That is, you may direct us not to disclose information about you, as explained in this notice. This opt out will not apply to information that we may disclose about you to other nonaffiliated third parties as permitted or required by law. Such disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize, or protect the security of the credit union's financial records.

Notwithstanding the foregoing, we reserve the right in the future to disclose all of the information we collect about you, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us, or others; and
• Information we receive from a consumer reporting agency.

Information We May Disclose About You

We may disclose all of the information that we collect, as described above.

Certain Parties That Receive Information From Us Where You Can Request To Opt Out

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Financial service providers, such as insurance companies; and
• Non-financial companies, such as companies that provide marketing services for us.

In addition, we reserve the right in the future to disclose nonpublic personal information about you to additional selected financial service providers, non-financial companies, and others to whom we do not currently disclose. You may choose to opt out of these disclosures.

How to Opt Out or Stop Certain Disclosures About You

If you wish to opt out of all disclosures to non-affiliated third parties (other than disclosures as permitted or required by law), you may do so by printing this notice, completing the attached form and returning it to us or contact us at the telephone number listed below to have a form mailed directly to you for completion. You may opt out of these disclosures at any time. Once we receive your request not to make further disclosures, we will act as quickly as possible to stop disclosures. You may always contact us for assistance if you wish later to revoke your opt out election.

If we do not hear from you, we may share all the nonpublic personal information about you that we collect with selected insurance companies and companies that provide marketing services to us. We may also share all nonpublic personal information about you with other companies in the future to whom we do not currently disclose. Texas Federal Credit Union believes that the types of products and services offered by the companies we work with will be of value and interest to you.

Note to joint account holders: Anyone of you may exercise the right to opt out. We will treat an opt out request from any one party to an account as if all of you directed us to not make disclosures to nonaffiliated third parties to which the opt out right applies.

Disclosure of Information About Former Members

If you terminate your membership with Texas Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. In addition, we train our employees in the importance of maintaining confidentiality and member privacy. Texas Federal Credit Union maintains physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Maintenance of Accurate Information

Texas Federal Credit Union has established procedures to ensure that your personal information is accurate, current and complete in accordance with reasonable commercial standards. If you find that your account information is incorrect, contact us and we will respond to requests to correct inaccurate information in a timely manner.

More Information

Texas Federal Credit Union values its members and their privacy. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect or use your personal information, please contact us.