What does Teachers 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 depends on the products or services you have with us. This information can include:

  • Social Security number and account balances.
  • Account transactions and checking account information.
  • Credit scores and payment history.

How?   
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason Teachers Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

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.

Does Teachers share? Yes

Can you limit this sharing? No

 

For our marketing purposes - to offer our products and services to you.

Does Teachers share? Yes

Can you limit this sharing? No

 

For joint marketing with other financial companies.

Does Teachers share? Yes

Can you limit this sharing? No

 

For our affiliates’ everyday business purposes - information about your transactions and experiences.

Does Teachers share? Yes

Can you limit this sharing? No

 

For our affiliates’ everyday business purpose - information about your creditworthiness.

Does Teachers share? No

Can you limit this sharing? No

 

Questions? Call 631-698-7000 ext. 6780 or go to www.teachersfcu.org

 

Who We Are

Who is Providing this Notice?    

Teachers Federal Credit Union
 

What We Do
How does Teachers 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.
How does Teachers 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
  • We also collect your personal information from other companies.

 

Why can’t I limit all sharing?    
Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purpose - information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates 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 non-financial companies. Teachers has no affiliates.

 

Non-Affiliates    
Companies not related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates Teachers shares with can include car financing or leasing companies, mortgage companies, insurance companies, direct marketing companies, credit card companies, and non‐profit organizations.

 

Joint Marketing    
A formal agreement between non‐affiliated financial companies that together market financial products or services to you.

Teachers joint marketing partners can include car financing or leasing companies, mortgage companies, insurance companies, direct marketing companies, credit card companies, and non‐profit organizations.

 

Terms and Conditions

Online Services
The term “Online Services” refers to this Website and any online or mobile service or services maintained or controlled by Teachers. By accessing Teachers’ Online Services, you accept and agree to be bound and abide by these Terms and Conditions.

 

Children's Privacy
Teachers recognizes its responsibility to protect children’s privacy and safety online. Teachers’ Online Services are not directed to children and are not designed to collect or retain individually identifiable information about children under the age of 13.

 

Changes
Teachers may revise and update these Terms and Conditions from time to time at our sole discretion. All changes are effective immediately upon posting and apply to all access to and use of any Online Services thereafter. Your continued use of any Online Services following the posting of any revision means that you accept and agree to the changes made by Teachers. You are expected to review these Terms and Conditions and informed of any changes, as they are binding on you.

 

Third-Party Sites and Services
Online Services may contain links to other sites, resources, or services offered or provided by third-parties (non-affiliates of Teachers). Teachers disclaims all liability for any information, materials, products, or services posted or offered by any third-party, nor is Teachers liable for any failure of products or services offered or advertised by any third-party. Such third-parties may have terms and conditions, notices, policies, and practices different from that of Teachers. If you access any third-party sites, resources, or services linked to Teachers’ Online Services, you do so entirely at your own risk.

 

Disclaimer of Warranties
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE" BASIS. TEACHERS DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. 

 

Limitation on Liability
IN NO EVENT WILL TEACHERS BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH ANY ONLINE SERVICE(S) OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION, OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF TEACHERS, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.