Privacy Notice

Privacy Policy [Printable Version]

TBA Credit Union is committed to respecting your privacy and to safeguarding your personal information and financial accounts.  The Credit Union:

  • Restricts access to your non-public personal information to those employees and members of our official family who have a specific business purpose in utilizing your data.
  • Trains employees and official family on the importance of maintaining confidentiality and privacy.
  • Implements and maintains physical, technical, and procedural safeguards that comply with regulation and accepted industry practices.

As the Credit Union collects and may share your personal information, Federal law gives you the right to limit some but not all sharing. Please read the Privacy Notice carefully to understand what the Credit Union does.

To help protect your personal information, here are a few safeguards

  • Avoid sharing account numbers, Social Security Numbers (SSN), Employer Identification Numbers (EIN), debit or credit card numbers, PINs (personal identification numbers) and passwords, and never store your PIN with your debit card or credit card.
  • If someone contacts you and asks for your account number or personal information, do not share it, even if the person explains it is on behalf of your bank, credit union or other institution. Credit union staff have access to your personal information and will not need to ask for it. If you believe the request may be legitimate, contact the institution using a phone number you find in the phone book or a legitimate online site. In cases that you’ve initiated contact, limit the information you share, and confirm why it is needed.
  • It is important the credit union has your current telephone number, mailing address, and email address. If we suspect fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If you have an update to your information, call us at 231-946-7090.
  • Regularly review all financial, medical and benefits statements for unauthorized transactions, activity or changes. If you discover something suspicious, report it to the institution immediately.

FACTSWHAT DOES TBA 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.
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 and income
  • Account balances and payment history
  • Credit history and credit score
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 member's personal information, the reasons TBA Credit Union choses to share, and whether you can limit this sharing,

Reasons we can share Your personal informationDoes TBA 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
YESNO
For Our marketing purposes - to offer our products and
services to You
YESYES
For joint marketing with other financial companiesYESNO
For Our affiliates' everyday business purposes -
information about Your transactions and experiences
YESNO
For Our affiliates' everyday business purposes - information about Your creditworthinessNOWE DON'T SHARE
For affiliates to market to YouNOWE DON'T SHARE
For non-affiliates to market to YouNOWE DON'T SHARE

To Limit our SharingQuestions?
  • Call 800.678.0987 or 231.946.7090 to speak with one of our member service representatives.
  • Mail the form below.

Please note: If you are a new member, we can begin sharing your information 30 days from the date we
sent this notice. When you are no longer our member, we continue to share your information as described
in this notice. However, you can contact us at any time to limit our sharing.
Call 800.678.0987 or 231.946.7090, or go to tbacu.com.

Optional Mail-In Form

If you have a joint account, your choice(s) will apply to everyone on your account.

Mark any/all you want to limit or call 800.678.0987.

[ ] Do not share information to market to me.
Name


Mail to:

TBA Credit Union
PO Box 1049
Traverse City, MI 49685-1049
Address


City, State, Zip


Account Number


Who we are
Who is providing this notice?
TBA Credit Union
What we do
How does TBA 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.
How does TBA Credit Union collect my personal information?We collect your personal information, for example, when you
  • open an Account or apply for a loan
  • use your credit or debit card
  • deposit money or pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates, or others.

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.

What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account - unless you tell us otherwise.

Definitions
AffiliatesCompanies related by common ownership or control. They can be financial
and nonfinancial companies.
>Our affiliates include financial companies such as CU Answers.
NonaffiliatesCompanies not related by common ownership or control. They can be
financial and nonfinancial companies.
> TBA Credit Union does not share with non-affiliates so they can market to You.
Joint marketingA formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
> Our joint marketing partners include TruStage Insurance, Love My Credit Union Rewards, and ScoreCard Rewards.

Biometric Data

Scope and Overview

This policy outlines how TBA Credit Union, its vendors, and/or the licensor of the TBA Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.

Biometric Data Defined

As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

Purpose for the Collection of Biometric Data

TBA Credit Union, its vendors, and/or the licensor of TBA Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

Disclosure and Authorization Policy 

Disclosure TBA Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the TBA Credit Union’s consumer verification software providing products and services using biometric data without/unless:

  • First obtaining consumer consent to such disclosure or dissemination.
  • The disclosed data completes a financial transaction requested or authorized by the consumer.
  • Disclosure is required by law or ordinance; or
  • Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

Security

TBA Credit Union shall use a commercially reasonable standard of care to store, transmit, and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which TBA Credit Union stores, transmits, and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.

Retention

TBA Credit Union shall retain consumer biometric data only until and shall request that its vendors and the licensor of TBA Credit Union’s consumer verification software permanently destroy such data when the first of the following occurs:

  • The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity.
  • Request of the consumer to destroy the biometric data.
  • Within 30 days of the consumer’s provisioning of biometric data.

Website Privacy Policy

TBA Credit Union uses technologies such as cookies on our website. “Cookies” are small files stored on your device that allow a website to keep track of your browsing information, such as which pages you have visited, how often you frequent them, items you have searched for, or storing security information while you are logged into a secure website.

TBA Credit Union uses “cookies” on our website for marketing and advertising purposes. The “cookies” in use do not collect personal information. To disable the “cookies” while using the TBACU website, reconfigure your web browser’s settings accordingly.

Learn how to disable the “cookies” on your web browser:

Disable cookies in Firefox

Disable cookies in Google Chrome

Disable cookies in Internet Explorer

Disable cookies in Safari

TBA Credit Union is not responsible for the information and security practices used by other websites linked to or from our website. These links are to provide additional information or services that may be useful to our website users.

The Children’s Online Privacy Protection Act (COPPA) was enacted in an effort to give parents greater control over the information that is collected from their children online and how that information is used. This law applies to all websites and services that are directed to, and knowingly collect information from children under the age of 13. TBA Credit Union does not knowingly collect information of children under 13 years of age. Visit the Federal Trade Commission Website for more information on COPPA.