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Online Privacy Policy

TFCU is committed to protecting the privacy of its members and other users of its Services. This Online Privacy Policy, in combination with other relevant privacy notices that we provide to you pursuant to financial privacy laws including the Consumer Privacy Policy, explain how we collect, use, share, and protect personal information that we and our service providers collect from or about users in connection with the products and services, including mobile and online services, offered by TFCU (collectively the “Services”).

If you are a U.S. consumer and have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Policy, which offers you certain choices with respect to the use and sharing of your personal information.

Types of information we collect

Through your use of the Services that you choose and how you interact with us, we may collect personal information from you in the following ways:

Personal information you provide to us.

  • Contact information, such as your name, address, email, telephone number and social security number.
  • Account and transaction information, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history, necessary to provide you with Services.
  • If you provide feedback or contact us via email or other electronic channels, we will collect your name and email address, as well as any other content included in the communication, to send you a reply.

Personal information collected by technology.

  • Device data, such as your device type, e.g., phone, tablet, operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, IP address, unique identifiers, language settings, mobile device carrier, and network connection type.
  • Online activity data, such as pages or screens you viewed, time spent on a page or screen, clicks on a page or screen, the website you visited before browsing to Services, access times, and duration of access.
  • Cookies, which are text files that are stored on devices to uniquely identify the user or store information or settings in the browser for the purpose of helping to remember your preferences, enable functionality, and help us understand user activity and patterns.
  • Web beacons, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
  • Location information, such as city, state, or geographic area, of the device you use to access Services. If you have enabled location services on your phone and agree to the collection of your precise location when prompted by the Services, it will send real-time location data. We will use that information to assist you in locating TFCU branches and ATMs and for our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device; however, without these technologies, you may not be able to use all the features of the Services.
  • Behavioral biometrics, such as cursor movements, touch interactions, speed and pattern of typing, and other uniquely distinguished patterns are used in fraud detection and prevention.

Additional sources of information.

  • Information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some Services.

How we use your information

We use your personal information collected to respond to your requests and to help serve you better. For example, we use personal information in the following ways:

  • provide the Services you request;
  • facilitate the creation of, and secure and maintain your accounts;
  • verify your identity, and a legitimate user in our system;
  • provide improved administration of the Services;
  • maintain and improve the quality of experience when you interact with the Services;
  • respond to inquires and provide member support;
  • send you administrative email notifications, such as security or support notices; and
  • send offers and other promotional materials related to the Services.

We may use your personal information for compliance and protection purposes including but not limited to, the following ways:

  • prevent, identify, investigate, and deter fraudulent, unauthorized, or illegal activity, including cyberattacks and identity theft;
  • comply with applicable legal requirements, such as to respond to subpoenas or requests from government authorities;
  • protect our, your or others’ rights, privacy, or safety (including by making and defending legal claims);
  • comply with legal, government, and contractual requirements and TFCU policies; and
  • enforce the terms and conditions that govern the Service.

How we share the information

We may share your personal information collected in accordance with our other privacy notices with third party service providers, our affiliates, authorities, and others as described below.

We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; and to provide technical support.

Regardless of any choices you make regarding your personal information, we may disclose your personal information to law enforcement, government authorities, and private parties for the compliance and protection services described above.

Your choices regarding your information

You have several choices regarding use of information on the Services.

Update your information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.

Communications preferences. You can update your communication preference to receive emails or texts by contacting us at the contact information under the “Contact Us” section below, following the applicable electronic prompts to unsubscribe or unlinking your contact information to electronic communications. To support some features of the Services (e.g., authentication, transaction details, fraud detection) direct communications, including emails and texts, may be required. If you have signed up to receive our email marketing communications, you can unsubscribe any time by clicking the “”unsubscribe”” link included at the bottom of the email.

You have other choices regarding use of information from your devices.

Cookies. You can configure some web browsers to accept all cookies, reject all cookies, or notify you when a cookie is set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences. However, a cookie may be required to use some of the features of the Services.

Do not track signals. Some web browsers have incorporated “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise our policy on responding to these signals.

Location data. If you initially allowed the collection of geo-location information through the Services, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Services.

Email web beacons. Most email clients provide user settings that enable you to block the automatic image display, including the web beacons, which prevent the automatic connection to the web servers that host those images.

Safeguards and retention

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information in our custody and control against accidental or intentional theft, destruction, loss and unauthorized access, use, modification, or disclosure. We recommend that you use secure channels to communicate sensitive or confidential information to us.

We retain your personal information for at least as long as necessary to provide the Services for which the information was collected and as long as necessary for legal and regulatory retention requirements. When the retention period expires, we destroy data that was maintained in any form.

Links to other sites

Our Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the TFCU website or mobile app and go to another site. These other websites may operate independently from us. These links are provided for your convenience and do not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Online Privacy Policy do not apply to these outside websites. We encourage you to review the privacy policy of every website you visit.

Children’s privacy

Our Services are not directed towards minors. We do not knowingly collect personal information from minors. We restrict the personal information we collect about children to the information their parents or guardians provide to open an account in their name or designate them as beneficiaries on an account.

Privacy policy updates

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in the collection, use, or disclosure of your personal information by posting a notice on the Services with a new revision data. Your continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

Contact us

If you have any questions or inquiries about this Online Privacy Policy or our data collection or processing practices, or if you want to report any security violations, please contact us by email memberservices@tinkerfcu.org; or by mail at:

Tinker Federal Credit Union
Attn: Member Services
P.O. Box 45750
Tinker AFB, Oklahoma 73145

 

Last Updated: January 16, 2024

The information and materials contained in these pages, and the terms, conditions and descriptions that appear, are subject to change without notice. Copyright in the pages and in the screens displaying the pages, and in the information and materials therein and in their arrangement, is owned by Tinker Federal Credit Union, unless otherwise indicated. No one has permission to copy or republish any information found on this website and any pages thereof, unless otherwise indicated. Information from this website is invalid unless it is read and is presented in its entirety.

Transaction Receipts

You understand that certain receipts for transactions may contain nonpublic personal information about your account. If you authorize a person who is not on your account to transact business on your account, you authorize us to provide such person with any information that would be given to you as a result of whatever business they transact on your behalf.

Website Privacy Policies

TFCU is committed to protecting the privacy of its members and other users of its website. We have adopted the following privacy policy for your protection:

General Website Pages

TFCU collects and stores information on the domain you use to access its website, the web address of the site from which you linked directly to our site, and the date and time of your visit to our site. This information is used to measure the number of visitors to the various pages on the site, to help TFCU make improvements to the information contained on the site, and to better serve our members through special marketing and service programs.

Applications

Only business related information is requested on any TFCU online application. This information is used only for review of qualifications for the loan, account or service for which you are applying. Any information gathered during the application process is not given or sold to third parties.

Online Mortgage Applications

All member information is encrypted with current Transport Layer Security (TLS) encryption algorithms that have been shown to be cryptographically secure. The minimum requirements to view your disclosures electronically are any of the two most recent versions of the following web browsers: Firefox, Google Chrome, Microsoft Edge, or Apple Safari; hardware capable of running this software;
and a printer if you wish to print your disclosures, or the ability to store (save) your disclosures electronically to your computer.

Online Banking, eStatements and Check Images

Any registration information, account information, or account data may be collected when you log into your online banking (e.g., Home Branch) and other online and mobile services. This information enables TFCU to regulate entry and to measure member usage, communication with you, and to answer questions, follow-up on suggestions and complaints, and/or to improve our services to you. All such information is protected and used in accordance with our privacy policy. Online banking (e.g., Home Branch) is a secured site and requires a current browser. Some areas of online banking (e.g., Home Branch) may require the use of Adobe Reader.

Email

Personal information contained in email sent by members and non-members may be used by TFCU staff to answer questions, to follow up on suggestions or complaints, or to improve the level of service TFCU provides. Please be advised that email may not be secure against interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information, you may want to call the Member Service Center, start a conversation within Home Branch, or use our Live Chat feature.

Cookies

As part of our online banking (e.g., Home Branch) and other online services we make use of ‘cookies’ to track usage and compile statistics about our website and online services, and during an online service session to uniquely identify your information. Cookies are small files that are transferred to your computer’s hard drive through your web browser. In the future, cookies may be used to allow members to set preferences and personalize our website. You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.) However, a cookie is required in order to use the online services. If you have any questions about TFCU’s website privacy policy, email us at memberservices@tinkerfcu.org or contact our Member Service Center at 405-732-0324, option 6, or 1-800-456-4828, option 6.

Member Privacy Policy

Because Your Trust Is So Important

Download a PDF copy of our Member Privacy Policy

Children’s Privacy

We do not knowingly collect personal information from minors. We restrict the personal information we collect about children to the information their parents or guardians provide to open an account in their name or designate them as beneficiaries on an account.

FACTSWHAT DOES TINKER FEDERAL 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 transaction or loss history.
  • Account balances and payment history.
  • Credit history and credit scores.
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 Tinker Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information.Does Tinker Federal 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.

YesNo
For joint marketing with other financial companies.YesNo
For our affiliates’ everyday business purposes –
information about your transactions and experiences.		YesNo
For our affiliates’ everyday business purposes –
information about your creditworthiness.		NoWe don’t share
For our affiliates to market to you.YesYes
For nonaffiliates to market to you.NoWe don’t share
To limit our sharing.
  • 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 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 toll-free 800-456-4828 or go to www.tinkerfcu.org.
Mail-in Form 
 Mark any/all you want to limit:
  • Do not allow your affiliates to use my personal information to market to me.

Name:
Address:
City, State, ZIP:
Account#:

Mail to:

Tinker Federal Credit Union, Attn: Mail Room
P.O. Box 45750
Tinker AFB, OK 73145-0750

What We Do 
How does Tinker Federal 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.

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 Tinker Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or provide employment information.
  • Apply for a loan or show your driver’s license.
  • 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.

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: Tinker Financial Services, LLC (aka TFCU Financial Advisors).
Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Tinker Federal 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 and credit card 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.