What Does Trust Federal Credit Union Do With Your Personal Information?

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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income

  • account balances and payment history

  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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 customer’ personal information; the reasons Trust FCU 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 to report to credit bureaus.

  • Does Trust FCU share? Yes

  • Can you limit this sharing? No

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

  • Does Trust FCU share? Yes

  • Can you limit this sharing? No

For joint marketing with other financial companies.

  • Does Trust FCU share? Yes

  • Can you limit this sharing? Yes

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

  • Does Trust FCU share? Yes

  • Can you limit this sharing? Yes

For our affiliates’ everyday business purposes – information about your creditworthiness.

  • Does Trust FCU share? Yes

  • Can you limit this sharing? Yes

For non-affiliates to market to you.

  • Does Trust FCU share? Yes

  • Can you limit this sharing? Yes

To Limit Our Sharing

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call (423) 870-7610

Who is Providing this Notice?

Trust Federal Credit Union (Trust FCU)

How Does Trust FCU 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.

Location Information

If you enable location services on your device or otherwise provide consent, Trust FCU may collect, receive, use, store, analyze, and retain information regarding your geographic location, including precise location data (such as GPS coordinates), approximate location data, device-derived location information, IP-address-based location information, and other location-related information. We may collect such information while you access, use, interact with, or attempt to access the Trust FCU Mobile Banking, and, where permitted by applicable law and authorized by your device settings, before, during, or after a transaction or other interaction with the Services.

We may use location information for any legitimate business purpose, including identity verification, fraud prevention and detection, account security, risk management, transaction authentication, regulatory compliance, customer support, service functionality, product development, analytics, auditing, and improving our products and services.

We may disclose location information to our affiliates, service providers, contractors, payment processors, fraud-prevention partners, law enforcement authorities, regulators, and other third parties as permitted or required by law or as necessary to provide the Services.

By enabling location services or otherwise providing consent, you authorize Trust FCU to collect, use, store, process, and disclose your location information as described herein. You may withdraw your consent at any time by changing your device settings or discontinuing use of the Services; however, certain features or services may become unavailable or limited as a result.

How Does Trust FCU Collect My Personal Information?

We collect your personal information, for example, when you

  • open an account

  • apply for a loan

  • pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why Can’t I Limit All Sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – 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.

What Happens When I Limit Sharing for an Account I Hold Jointly with Someone Else?

Your choices will apply to everyone on your account.

Definitions

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Trust FCU has no affiliates

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

  • Mortgage companies

  • Insurance companies

  • Direct marketing companies

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

  • Insurance companies