Towpath CU Member Privacy Policy

  
    FACTS
    WHAT DOES TOWPATH CREDIT UNION INC. DO WITH YOUR PERSONAL INFORMATION?
  

    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 what we do.
  

    What?
    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 account balances
credit card or other debt and credit history
payment history and transaction history

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

    How?
    All financial companies need to share member's personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their member's
 personal information; the reasons Towpath Credit Union chooses to share; and whether you can limit this sharing.
  

  
    Reasons we can share your personal information
    Does Towpath Credit Union Inc. 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 to report to credit bureaus
    Yes
    No
  
    For our marketing purposes —

to offer our products and services to you
    Yes
    Yes
  
    For joint marketing with other financial companies
    Yes
    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
    No
    We don't share
  
    For nonaffiliates to market to you
    No
    We don't share

Questions?

Call toll-free (866) 634-4700 or go to towpathcu.com

  
    What we do
  
    How does Towpath Credit Union Inc. 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.
  
    How does Towpath Credit Union Inc. collect my personal information?
    We collect your personal information, for example, when you
    open an account or deposit money
make a wire transfer or apply for financing
give us your wage statements

      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 nonaffiliates to market to you

      State law and individual companies may give you additional rights to limit sharing.
    
    Definitions
  
    Affiliates
    Companies related by common ownership or control. They can be
financial and nonfinancial companies.
    Towpath Credit Union Inc. has no affiliates.

    Nonaffiliates
    Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
    Towpath Credit Union Inc. does not share with our nonaffiliates so they can market to you.

    Joint marketing
    A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
    Our joint marketing partners include insurance companies.

What we do
How does Towpath Credit Union Inc. 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.
How does Towpath Credit Union Inc. collect my personal information?	We collect your personal information, for example, when you open an account or deposit money make a wire transfer or apply for financing give us your wage statements 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 nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Towpath Credit Union Inc. has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Towpath Credit Union Inc. does not share with our nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies.