Towpath Credit Union, Inc. Privacy Policy

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

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.