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.
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. Download a complete policy statement (PDF) here.
Security & Confidentiality
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.
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.
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.
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.
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.