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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 Teamsters Council #37 Federal Credit Union’s Privacy Policy.
At Teamsters Council #37 Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Teamsters Council #37 Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.
What?
The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
When you are no longer our member, we will not share your information except as permitted or required by law 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 Teamsters Council #37 Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Teamsters Council #37 Federal Credit Union 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 |
Yes | No |
| For our marketing purposes to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | No | No |
| 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 |
Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you | No | We don’t share |
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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
We collect your personal information, for example, when you
We also collect your personal information from others, including credit bureaus or other companies.
Federal law only gives you the right to limit information sharing as follows:
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between Teamsters Council #37 Federal Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.
Protecting Children’s Private Information. Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.
Privacy Policy Changes. While we reserve the right to amend this Privacy Policy at any time, you can always review the current version at tcu37.com
Visit us in person at a branch;
Call 800.547.7657 or 503.251.2390, or email: shares@tcu37.com
Teamsters Council #37 Federal Credit Union, 1866 NE 162nd Ave, Portland, OR 97230
If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
If you have authorized us to pay your statement automatically from your savings or share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur.
Your Rights and Our Responsibilities After We Receive Your Written Notice.
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send you statements for the amount you question, including finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.
If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.
Please be advised you are about to access a web site other than Teamsters Credit Union. Please refer to our privacy policy for terms and conditions.
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