Facts: What Does Carolinas Telco Federal Credit Union Do With Your Personal Information?
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:
- Social Security number and income;
- Account balances and transaction history;
- Employment information and credit history.
When you are no longer our member, we continue to share your information as described in this notice.
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 Carolinas Telco Federal Credit Union chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does Carolinas Telco 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 to report to credit bureaus||Yes||No|
|For our marketing purposes – to offer our products and services to you||Yes||No|
|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 non-affiliates to market to you||No||We don't share|
Call toll-free 1-800-622-5305
|What we do|
|How does Carolinas Telco 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. Carolinas Telco Federal Credit Union regularly tests and accesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary to protect your information.|
|How does Carolinas Telco Federal Credit Union collect my personal information?||We collect your personal information, for example, when you
|Card Control Service offered by Carolinas Telco Federal Credit Union will automatically collect and store non-personal information.||We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in-store transactions).|
|Mobile Deposit Service, offered by Carolinas Telco Federal Credit Union, will automatically collect and store images of checks.||The collection of this information allows you to deposit funds remotely. We only use the images to process deposits and display them in your transaction history. Images in our mobile application are uploaded at the user’s discretion for the purposes of personalization and are only used by the end user.|
|Carolinas Telco Federal Credit Union will automatically collect and store non-personal information.||To improve the quality of our website services, we use Google’s Universal Analytics software to gather and temporarily store a variety of information about all of our website visitors. This happens automatically whenever someone visits our website. The information we collect about every website visitor includes:
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Non-affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.