Privacy Policy

Golden Triangle Federal Credit Union privacy notice overview covering why, what, and how they handle personal information
Disclosure Section Notice Details
FACTS WHAT DOES GOLDEN TRIANGLE FCU 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 and Income
  • Account Balances and Payment History
  • Credit History and Credit Scores
  • Transaction history and account activity
  • Credit card or debit card information
  • Loan application information
  • Contact information and identifying information
When you are no longer our member, 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 Golden Triangle Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons Golden Triangle Federal Credit Union shares personal information and whether sharing can be limited
Reasons we can share your personal information Does Golden Triangle FCU 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, and provide member service		 Yes No
For our marketing purposes —
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No We do not share
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 affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Golden Triangle Federal Credit Union contact information for privacy questions
Inquiries Contact Details
Questions? Call (409) 962-3434 or go to www.gtfcu.coop
Information about who provides the notice and how personal information is protected and collected
Policy Question Policy Details
Who is providing this notice? Golden Triangle Federal Credit Union
How does Golden Triangle FCU 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, employee training, vendor oversight, and other physical, electronic, and procedural safeguards. We restrict access to your personal information to employees, service providers, and other authorized parties who need the information to provide products or services to you, maintain your accounts, respond to your requests, or comply with legal and regulatory requirements. NCUA guidance notes that credit unions should require third-party service providers with access to personal information to protect that information, so vendor oversight language is appropriate to include if it reflects GTFCU’s actual practices.
How does Golden Triangle FCU collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit or credit card
  • Make deposits, withdrawals, transfers, or loan payments
  • Provide account information or contect information
  • Use online banking, mobile banking, bill pay, card services, or other electronic services
  • Contact us by phone, email, mail, online form, or in person
We also collect your personal information from others, such as credit bureaus 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 law and individual companies may give you additional rights to limit sharing. Because Golden Triangle Federal Credit Union does not share your personal information in these ways, there are no opt-out choices under this notice at this time.
Definitions of terms used in the privacy notice including Affiliates, Nonaffiliates, and Joint marketing
Term Definition and Applicability
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Golden Triangle FCU has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Golden Triangle FCU 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. Golden Triangle FCU does not jointly market.