Privacy Policy

Rev 11/2012

FACTS	WHAT DOES TEXASGULF FCU 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.

What?	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, date of birth and income Account balances and payment history Credit history and credit score When you are no longer our customer, we continue to share your information as described in this notice.

How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Texasgulf FCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Texasgulf FCU 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	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	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Who we are
Who is providing this notice?	J. Michael Sterry President & C.E.O. Texasgulf Federal Credit Union 2101 N. Fulton St. Wharton, TX 77488 (979) 282-2300

For questions or to opt out	Call us toll free 1-800-647-8428, or in Wharton call (979) 282-2300 or in El Campo call (979) 578-9000 or email us at [email protected]. You can also contact us by mail; Texasgulf FCU, 2102 N. Fulton St., Wharton, TX 77488

What We Do
How does Texasgulf FCU 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.
How does Texasgulf FCU collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or 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. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Texasgulf FCU does not have any affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. We share your information with data processors, check printers, plastic card processors, government agencies, consumer reporting agencies and insurance companies
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Texasgulf FCU does not have any joint marketing agreements

Other important information
What members can do to help - Texasgulf FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines; 1.Protect your account numbers, plastic card numbers, PINs (personal identification number), login, usernames and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen. 2.Use caution when disclosing your account numbers, social security number, plastic card numbers, etc. to other persons you know or don't know. If someone calls you explaining the call is on behalf of Texasgulf FCU and asks for your account number or any other information, you should be aware. Official credit union staff will have access to your information and will not call you and ask for it. 3.Keep your personal information with us current. If your phone numbers or address changes, please let us know immediately. It is important that we have current contact information to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Other important information

What members can do to help - Texasgulf FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines; 1.Protect your account numbers, plastic card numbers, PINs (personal identification number), login, usernames and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen. 2.Use caution when disclosing your account numbers, social security number, plastic card numbers, etc. to other persons you know or don't know. If someone calls you explaining the call is on behalf of Texasgulf FCU and asks for your account number or any other information, you should be aware. Official credit union staff will have access to your information and will not call you and ask for it. 3.Keep your personal information with us current. If your phone numbers or address changes, please let us know immediately. It is important that we have current contact information to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Online Banking

Finance Your Way to Homeownership