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 Legal Information / privacy policy
YOUR PRIVACY IS IMPORTANT TO US
As a leading credit union serving Pasadena and the surrounding areas, Texas Bay Area Credit Union recognizes the importance of protecting information provided to us by our members. We employ every appropriate measure to safeguard our member confidentiality whether they interact with us in person, over a telephone, at an ATM or via Online Banking. TBACU has adopted the following principles, and we use these principles to guide us in handling all member related information.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We , our , and us , when used in this notice, mean Texas Bay Area Credit Union. This is our privacy notice for our members. When we use the words you and your we mean the following types of members:
Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
Share account
Loan account
Credit card account
Safe deposit box
Insurance policies issued by or through us
Self-directed Individual Retirement Account
Financial, investment, or economic advisory services
All IRA accounts for which we act as custodian
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term information to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an other party.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying member information
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.
Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.
AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
Information you give us on an application or other forms, such as:
Name
Address
Social Security Number
Assets
Income
Age
Beneficiaries
Information about your transactions with us, such as:
Account balances
Account activity
Types of accounts
Parties to the transaction
Credit card usage
Payment history
Deposit history
Transaction history
Information we receive from a credit reporting agency, such as:
Creditworthiness
Credit history
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:
Service providers that perform marketing services for us, such as:
Direct mail solicitors
Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:
We only allow direct mail solicitations.
We do not allow telephone solicitations.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
Information you give us on an application or other forms, such as:
Name
Address
Social Security Number
Age
Beneficiaries
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
State Limitations
AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California,
Idaho or Vermont. MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey. TX - We will not share information, other than name and address, collected by our Texas offices.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:
Financial service providers, such as:
Insurance agents
Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:
We only allow direct mail solicitations.
We do not allow telephone solicitations.
TEXAS NOTICE
This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. Any member wishing to file a complaint against the credit union should contact the Texas Credit Union Department through one of the means indicated below:
In person or by U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699
Telephone Number: (512) 837-9236
Fax Number: (512) 832-0278
E-mail: complaints@tcud.state.tx.us
Website: www.tcud.state.tx.us
7.2009
If you have any questions or concerns about your account information at TBACU, please call our Information Center at 713-852-6700 or 800-577-3164 or e-mail us.
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