FACTS: What does Golden Triangle Federal Credit Union 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 may 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 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, 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, including information about your transactions and experiences | No | We do not share |
| For our affiliates’ everyday business purposes, including information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
QUESTIONS?
Call (409) 962-3434 or visit www.gtfcu.coop.
WHO WE ARE
Who is providing this notice?
Golden Triangle Federal Credit Union.
WHAT WE DO
How does Golden Triangle 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, 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 Federal Credit Union 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 credit or debit card
- Make deposits, withdrawals, transfers, or loan payments
- Provide account information or contact 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 involving 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. 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
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Golden Triangle Federal Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Golden Triangle Federal Credit Union 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 Federal Credit Union does not jointly market.
OTHER IMPORTANT INFORMATION
Former Members
If you are no longer a Golden Triangle Federal Credit Union member, we will continue to protect and share your information as described in this notice and as permitted or required by law.
Accuracy of Information
Golden Triangle Federal Credit Union takes reasonable steps to maintain accurate member information. Please notify us if your contact information or other account information changes.
Security Reminder
Golden Triangle Federal Credit Union will never ask you to provide your online banking password, PIN, full debit card number, full credit card number, full Social Security number, or one-time security code by unsecured email.
If you believe your account information, card information, online banking credentials, or personal information has been lost, stolen, compromised, or used without authorization, contact us immediately.
WEBSITE PRIVACY & ONLINE SERVICES
The following information applies to visitors and users of Golden Triangle Federal Credit Union’s website and online services.
Website Information We May Collect
When you visit our website, we may collect limited information about your visit, such as:
- Browser type
- Device type
- Pages visited
- Date and time of visit
- Referring website
- General usage information
- Internet Protocol address or similar technical information
This information helps us maintain, secure, and improve our website and online services.
Cookies and Similar Technologies
Our website may use cookies or similar technologies to support website functionality, improve the user experience, understand how visitors use our site, and maintain website security.
You may adjust your browser settings to refuse or delete cookies. Some website features may not function properly if cookies are disabled.
Online Banking and Digital Services
When you use online banking, mobile banking, bill pay, loan payment services, card services, or other digital services, additional terms, conditions, disclosures, and security procedures may apply.
You are responsible for keeping your login credentials, passwords, PINs, authentication codes, and devices secure. Do not share your credentials with anyone.
Email and Electronic Communications
Email may not be secure unless sent through a secure system. Please do not send confidential information, account numbers, Social Security numbers, card numbers, passwords, PINs, or other sensitive personal information through unsecured email or unsecured website forms.
Golden Triangle Federal Credit Union may use email or other electronic communications to respond to your requests, provide service information, or communicate with you about products and services, where permitted by law.
Third-Party Websites
Golden Triangle Federal Credit Union’s website may include links to third-party websites for your convenience. These third-party websites are independent from Golden Triangle Federal Credit Union. We do not control their content, security, privacy practices, or availability.
When you leave Golden Triangle Federal Credit Union’s website, the privacy and security policies of the third-party website will apply. We encourage you to review the privacy and security policies of any website you visit.
Children’s Privacy
Golden Triangle Federal Credit Union’s website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13 through our website without appropriate consent.
Updates to This Notice
Golden Triangle Federal Credit Union may update this Privacy Notice and Website Privacy Policy from time to time. If we make changes, we will update the revision date.
If required by law, we will provide additional notice of material changes.
