Privacy Notice & Disclaimers

Privacy Notice

Telco Federal Credit Union is owned by its members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact Donna Harabin at (607) 734-1234.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements we may disclose all of the information we collect (as described below) to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide them.

Information We Collect and Disclose About You

We collect and may disclose nonpublic personal information about you from the following sources:

  • information we receive from you on membership and loan applications and other forms;
  • information about your transactions with us or others;
  • information we receive from a consumer reporting agency;
  • information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of your credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Telco Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Disclaimers

Copyright

Copyright © Telco Federal Credit Union 2002. All rights reserved. Copyright of this web site and the encompassing pages and screens displaying the pages, and in the information and material therein and in their arrangement, is owned by telco Federal Credit Union unless otherwise indicated.

Information and Materials

The information and materials contained in this web site – and the terms, conditions, and descriptions that appear – are subject to change. Your eligibility for particular products and/or services is subject to final Telco Federal Credit Union determination and acceptance.

Telco Federal Credit Union makes no representations concerning any endeavor to review the content of sites listed within its web site (via site links), or any of the materials contained therein. Therefore, Telco is not responsible for the accuracy, copyright compliance, legality or decency of material contained in any sites listed within its web site.

No Warranty

The information and materials contained in this site, including text, graphics, links, or other items are provided “AS IS.” Telco Federal Credit Union does not warranty the accuracy. The information generated through interactive calculators is estimated, and provided solely for your enjoyment. The results are not guaranteed to be accurate.

Web Site Usage

As a general policy, Telco Federal Credit Union does not collect personal information from users of its web site. Telco does collect standard non-identifying information such as date and time visited, IP address, city, state, and country. This non-identifying data shall only be used to compile statistics regarding site usage.

Security Notification

All persons are hereby notified that unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

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