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|FACTS||WHAT DOES TRAX FEDERAL CREDIT UNION 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.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Trax Federal Credit Union chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Trax Federal Credit Union 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 report to credit bureaus
For our marketing purposes—to offer our products and services to you
|For joint marketing with other financial companies||YES||NO|
For our taffiliates’ everyday business purposes—information about your transactions and experiences
For our taffiliates’ everyday business purposes—
information about your creditworthiness
|For our affiliates’ to market to you||YES||YES|
|For our nonaffiliates’ to market to you||YES||YES|
|Questions?||Questions? Call (813) 800-TRAX, (800) 769-1424 or go to www.TraxCu.com and select “contact us”.|
|What we do|
|How does Trax Federal Credit Union 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. We also protect and restrict access to nonpublic personal information about you to those employees and volunteers who have a specific business purpose in accessing your information|
|How does Trax Federal Credit Union collect my personal information?||We collect your personal information, for example, when you • Open an account or apply for a loan • Show your ID or use your credit or debit card • Provide account information We also collect your personal information from others, such as credit bureaus, and 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 laws and individual companies may give you additional rights to limit sharing.|
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.