Privacy Policy

What Does Texas Bay Credit Union Do With Your Personal Information?

Rev. Date 01/21

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 Account balances Transaction history Account Transactions Checking account information Wire transfer instructions When you are no longer our member, we continue to share your information as described in this notice. Texas Bay Credit Union Mobile App and Card Control Mobile App 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).
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 members’ personal information, the reasons Texas Bay Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Texas Bay 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	No	We Do Not Share
For our affiliates to market to you	Yes	Yes
For our nonaffiliates to market to you	No	We Do Not Share

To limit our sharing	Mail the form below Print Form 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 a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?	Call (713) 999-4152 or go to www.TexasBayCU.org

What We Do
How does Texas Bay Credit Union protect my 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Texas Bay Credit Union collect my information?	We collect your personal information, for example, when you Open an account or deposit or withdraw from your account Apply for a loan or provide account information Give us your income 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.)
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include: Financial companies such as: CUSO
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Texas Bay Credit Union does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Insurance Companies

Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you or 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 Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Texas Credit Union Members. COMPLAINT NOTICE If you have a problem with the services provided by this credit union, please contact us at: Texas Bay Credit Union 12611 Fuqua Street Houston, TX 77034 (713) 999-4152 The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you
or 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 Members. We will not share personal information from deposit or
share relationships with nonaffiliates either for them to market to you or for joint marketing - without your
authorization.
For Texas Credit Union Members. COMPLAINT NOTICE If you have a problem with the services provided by
this credit union, please contact us at:
Texas Bay Credit Union
12611 Fuqua Street Houston, TX 77034
(713) 999-4152
The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory
oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file
a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov