Privacy Notice Disclosure
San Patricio County Teachers FCU is committed to protecting
the privacy of our members. Under federal law, we are required
to give you this privacy notice. It describes our credit union’s
we collect and disclose about our members. It also includes
information about the parties who receive personal and sometimes
nonpublic information from us as we conduct the business of
the credit union.
Information we collect about you
We collect nonpublic personal information about you from the
- Information we receive from you on applications and other
- Information about your transactions with us
- Information we receive from a consumer reporting agency
- Information obtained when verifying the information you
provide on an application or other forms; this may be obtained
from your current or past employers, or from other institutions
where you conduct financial transactions
We may disclose all of the information we collect, as described
above as permitted by law.
Parties Who receive Information From Us
We may disclose nonpublic personal information about you to
the following third parties:
- Financial service providers, such as insurance companies,
and mortgage companies
- Non-financial companies, such as consumer reporting agencies,
data processors, check/share draft printers, financial statement
publishers/printers, plastic card processors, government
agencies and mailhouses.
Disclosure of Information to Parties that Provide
Services to Us
In order for us to conduct the business of the credit union,
we may disclose all of the information we collect, as described
above, to other financial institutions with whom we have joint
marketing agreements, to other companies that perform marketing
services on our behalf, or to nonaffiliated third parties
for the purposes of processing and servicing transactions
that you request or authorize, so that we may provide members
competitive products and services.
We may also disclose nonpublic personal information about
you under circumstances as permitted or required by law. These
disclosures typically include information to process transactions
on your behalf, conduct the operations of the credit union,
and follow your instructions as you authorize, or protect
the security of our financial records.
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 the information we provide to other
Disclosure of Information about Former Members
If you terminate your membership with us, we will not share
information we have collected about you, except as may be
permitted or required by law.
How we Protect Your Information
We restrict access to nonpublic personal information about
you to those employees who need to know that information to
provide products or services to you. We maintain physical,
electronic, or procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.
What You Can Do to Help
- Protect your account numbers, plastic card numbers, PINs
(personal identification numbers) or passwords. Never keep
your PIN with you card.
- Use caution when disclosing your account numbers, social
security numbers, etc. to others. If someone calls you explaining
the call is on behalf of the credit union and asks for your
account number, you should beware. Official credit union
staff will have access to your information and will not
need to ask for it.
- Keep you information with us current. If you address
or phone number changes, please let us know. If we detect
potentially fraudulent activity, we will attempt to contact