TTCU PRIVACY POLICY

Our Privacy Pledge

At Tulsa Teachers Credit Union (TTCU), we respect the privacy of our members.  We recognize the importance of maintaining the confidentiality of personal financial information.  This notice describes the privacy policy and practices followed by TTCU.  This notice explains what types of member information we collect and under what circumstances we may share it.

Member Information We Collect

TTCU collects only relevant information about members that is needed to establish and maintain accounts and services as the law allows or requires us to collect.  We may collect personal and financial information about you (member information) which is “nonpublic.”  The member information we collect varies depending on the accounts and services you request and use.  We collect information about you from the following sources:

Application Information.  We retain personal information we receive from you on any application you provide for membership, deposit account, EFT services, loans, or other TTCU services.  This information includes:  name, address, social security number, birth date, phone number, employment, financial status, and credit history.

Your Transactions.  Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through Virtual Branch, over the phone or at a branch we retain the transaction information, including:  your account number, the date, amount, location of the transaction, and other pertinent information.

Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency.  We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

Online.  We obtain information online when you visit our website, www.ttcu.com.  This includes retaining information you provide us on any online application, Virtual Branch transaction, or information you send to us by e-mail.  

Member Information We Share

In order to provide financial services to you, we share certain information about you with our third party service providers.  However, we only share information to the extent necessary to service your account or offer new services to you.  If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience.  Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers.  In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including:  data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage, and financial service providers with whom we have joint marketing agreements.  These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential.  We share the following categories of information to third party service providers depending on the specific services provided:

Personal information (name, address, and account number)
Account information (type of accounts, account balances, and transaction history)
Transaction information (dates, amounts, locations, and type of transaction)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services.  While we may assist in offering financial products and services of our contracted financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted.  We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account.  We may also share our experience information about you with credit bureaus.  Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards

We maintain strict policies and security controls to assure that member information in our computer systems and files are protected.  Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you.  Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries.  All employees are trained to respect member privacy. TTCU has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you.  We will continue to review our internal security controls to safeguard your member information as we employ new technology. 

Online Privacy Protections

At our website, www.ttcu.com, you may apply for accounts and services and you may communicate with us via e-mail.  To protect the information you provide us online, we use multiple levels of security.  The application information we accept online and our Virtual Branch rely on an industry standard “Secure Sockets Layer” (SSL) encryption to secure your transmitted information.  The e-mails do not use SSL encryption.  Therefore, if you wish to communicate sensitive or personal information, you should send the information by e-mail from our Secure Email Message Center, by postal mail, or contact us by phone.  When you visit our website, you can access site information, without revealing your personal identity. 

The Virtual Branch Multi-factor Authentication (MFA) interface employs the use of an encrypted software token (stored inside a cookie) while enrolling and registering your computer for access to Virtual Branch.  During the MFA enrollment process, you have the choice of allowing the software token to be placed on your computer.  The security token signals to TTCU’s system that you have previously successfully registered your computer in MFA and to not prompt you to answer one of your unique security questions.

Temporary session cookies are used while you are signed on to Virtual Branch for session security and are not stored on your computer.  Session cookies are utilized while you are in the Bill Pay section of Virtual Branch.  TTCU does not collect personal information through the use of cookies while you are in Bill Pay or Virtual Branch.