TFCU Privacy Notice

FACTS  WHAT DOES TROPICAL FINANCIAL 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        • Overdraft history
• Transaction history                • Account transactions
• Credit scores                             • Checking account information

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 Tropical Financial Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Tropical Financial 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 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 
Questions? | Call toll-free outside of Dade County 888-261-8328 or within Dade County 305-261-8328
What We Do   
How does Tropical Financial Credit Union protect my personal information? 

To protect your personal information from unauthorized access and use, we use
Credit Union protect my
security measures that comply with federal law. These measures include computer
personal information?
safeguards and secured files and buildings. Tropical Financial C.U. values your privacy and trust. You can count on us to do what is right in maintaining the confidentiality of your personal information.
How does Tropical Financial collect my personal information? We collect your personal information, for example, when you:
• Open an account                        • Make deposits or withdrawals from
• Pay your bills your account     • Apply for a loan
• Provide your mortgage information 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 non-affiliates 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 non-financial companies.
• Tropical Financial Credit Union has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. • Tropical Financial Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance companies and mortgage companies.
   
   
Other Important Information 
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with non-affiliates either for them to market to your for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non affiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Customers. We will not share personal information with non affiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

 

To download the Privacy Notice, please click here 

 

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