Towpath Credit Union, Inc. Privacy Policy and Disclosures

Your Privacy

Defending your privacy and safeguarding nonpublic personal information has long been of the utmost importance to your Credit Union. The fact is not all financial institutions placed such high priority on your protection, which contributed to Title V of the Gramm-Leach-Bliley Act. Title V becomes effective on July 1, 2001 and addresses how financial institutions and others safeguard your nonpublic personal information, in short it helps protect your privacy. It is your Credit Union's intent to comply with all applicable laws and regulations concerning the management of your nonpublic personal information. This policy outlines the purposes for which member information will be collected by and released outside of your Credit Union.

Information Collected

Your Credit Union will collect that information necessary to establish an on-going relationship with members and joint account holders. Information on an individual member may be collected from a variety of sources, including but not limited to your signature card, credit applications, and credit bureau reports. In addition, your Credit Union will take reasonable precautions to protect the accuracy and reliability of that information.

Information Shared with Affiliates & Third Parties

Your Credit Union will not sell nonpublic personal information to a third party. Your Credit Union may however disclose nonpublic personal information about an individual member or members in order to effect a transaction, to protect the Credit Union's interests, or for other purposes permitted by law or regulation.

Third Party Privacy Standards

Your Credit Union will only disclose nonpublic personal information about its members to affiliates and third parties who demonstrate a consistent commitment to the protection of the confidentiality of that member information, and who have adopted privacy policies compatible with those of your Credit Union. If you are a new customer, we can begin sharing your information immediately from the date you receive 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 anytime in writing or in person at a branch to limit our sharing. You can download a complete policy statement (PDF) here.

Security & Confidentiality

As part of your Credit Union's commitment to protect the confidentiality of member account information, it has established procedures for periodic training of staff members on the importance of privacy and your Credit Union's privacy policy. Credit Union staff will only access member account information when necessary for business reasons.

Children's Online Privacy Policy

The privacy of our young members and other young visitors to the Towpath Credit Union website is of great importance to us. Because we respect your privacy, Towpath Credit Union has adopted the following privacy policy, which conforms to the Children’s Online Privacy Protection Act of 1998. You can download a complete policy statement (PDF) here.

Online Privacy Policy

We welcome you to our website. Please review our Online Privacy Policy which include use of our website, cookies, links to other websites and sending email. You can download a copy of our Online Privacy Policy here.

This website uses cookies and third party tracking software to collect anonymous data from its users. Third party vendors, such as Google, use cookies to serve you ads across the Internet based on your prior visits to this website. Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page.

Our third-party hosting company will also collect additional, non-personally-identifiable information from you (“Non-Personally-Identifiable information”, together with Personal information collectively referred to as “information”), including without limitation the URL you came from, your IP address, your domain name, your browser type, the country and state where your server is located, and the pages that were viewed during your visit to our website. All information is kept on a secure server to protect it from disclosure to outside parties.

Analytics Services

Towpath Credit Union collects information through cookies and other similar technologies. We may use third parties to provide advertisements for other websites that may be of interest to you, based on information collected about your use of our website and other websites. To do this, Towpath Credit Union and/or these third parties may place or recognize a unique cookie on your browser, which may include without limitation the use of pixel tags and/or web beacons. You can choose to accept or decline cookies; most browsers automatically accept cookies unless you modify settings to decline them. However, declining to accept cookies may prevent you from taking full advantage of the website. Further, Towpath Credit Union does not recognize automated browser signals regarding tracking mechanisms, which may include “do not track” instructions.

Towpath Credit Union also uses web analytics services, which currently include without limitation Google Analytics, and Crazy Egg and Mouseflow analytics. Although we currently use the foregoing analytics services providers, Towpath Credit Union reserves its right, within its sole discretion, to change analytics services providers, or to add additional analytics services providers, without notice to you.

Google Analytics is a web analytics service provided by Google Inc. ("Google"). Google Analytics uses cookies and similar technologies to track and report website traffic. The information generated, including your shortened IP address, is transmitted to Google. This information is used to evaluate users’ use of the domain, compile statistical reports on domain activity, and provide other services related to the site and internet use. Google may also collect information about users’ use of other websites.

The information generated from Google Analytics is used only to improve the website. Google Analytics collects only the IP address assigned to you on the date you visit the website, rather than your name or other Personal information. We do not combine the information collected through the use of Google Analytics with your Personal information. Google’s ability to use and share information collected by Google Analytics about your visits to the website is restricted by the Google Analytics Terms of Use (as amended for government websites) and the Google privacy policy, which are available at https://www.google.com/policies/. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser. You may also opt out of Google Analytics.

The website uses CrazyEgg tracking to obtain information on how users are interacting with specific Towpath Credit Union web pages. This allows Towpath Credit Union to evaluate and, if necessary or beneficial, to modify its website to improve value and usability. The data CrazyEgg collects includes information about how users navigate around a web page and a list of the most commonly clicked links on a specific web page. CrazyEgg does not collect Personal information. Crazy Egg’s ability to use and share information collected by Crazy Egg about your visits to the website is restricted by the Crazy Egg Terms of Use and privacy policy, which are available at http://www.crazyegg.com/privacy. You may also opt out of CrazyEgg.

This website also uses Mouseflow web analytics service. This service may record mouse clicks, mouse movements, scrolling activity, and any text you type in the Site, except text in password fields. Mouseflow does not collect Personal information that you do not voluntarily enter into the Site. Mouseflow does not track your browsing habits across other websites or text input into password fields. For more information, see Mouseflow’s privacy policy at http://mouseflow.com/privacy/. You may also opt out of Mouseflow.

Remarketing Services

This website uses Google AdWords Remarketing Services to advertise on third-party websites (including the networks of Google) to previous users of our website. This could mean that we advertise to previous users who haven’t completed a task on our website. For example, if a user fills out the contact form but does not submit it, we would then advertise to them on a search results page, or on a site within the third-party networks. Third-party vendors, including Google, use cookies to serve ads based on a user’s past visits to the Towpath Credit Union. Of course, any data collected will be used in accordance with this Privacy Policy and any applicable third party privacy policies.

Towpath Credit Union. currently uses Google AdWords Remarketing Services as a remarketing services provider. Towpath Credit Union. reserves its right, within its sole discretion, to change remarketing services providers, or to add additional remarketing services providers, without notice to you.

You can set preferences for how Google advertises to you using the Google Ads Settings page. Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page.

Availability of this Policy

Your Credit Union is proud of its commitment to member confidentiality an will make this policy available to any member or potential member through literature racks in its offices. You can download a complete policy statement (PDF) here.

Verifying Your Identity as Required by The USA Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.We may also ask to see your driver’s license or other identifying documents. You can download a copy of this policy here. We thank you for your understanding and for joining us in securing a safer tomorrow.

Funds Availability

Download a copy of Towpath Credit Union's Funds Availability policy here

Safeguarding your information

Download a copy of How to keep yourself safe in cyberspace here.

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