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.

FACTS	WHAT 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. Review the reasons financial companies can share their members' personal information; the reasons TBA Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does 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	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	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To Limit our Sharing	Questions?
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 about my creditworthiness with your affiliates for their everyday business purposes. [ ] Do not allow your affiliates to use my personal information to market to me. [ ] Do not share my personal information with nonaffiliates to market their products and services 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 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.
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
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	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.

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.