Liberty County Teachers Federal Credit Union Privacy Notice and Disclosure

LCTFCU, your member owned financial cooperative, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Members can be confident that their financial privacy is a priority of this credit union. We are required by law to have a Privacy Policy and give notice to explain how we collect, use and safeguard your personal information.

Information we collect about you

We collect nonpublic personal information about you from the following sources:

• information we receive from you on applications and other forms
• information about your transactions with us
• information we receive from a consumer reporting agency
• information obtained when verifying the information you provide on an application or other forms; this may be obtained from current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by law.

Parties who receive information from us

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial services providers, such as insurance companies
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, and plastic card processors

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide you with competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidential protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Liberty County Teachers Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic, personal information about you to see those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to your public personal information.

What Members Can Do to Help

Liberty County Teachers Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines;

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

Liberty County Teachers Federal Credit Union
3712 N. Main
Liberty, TX 77575
Phone: (936) 336-7236 Fax: (936) 336-7372
www.libertycu.com

Opt-out notice

If a member prefers that we not disclose nonpublic personal information to nonaffiliated third parties, they may sign an opt out notice directing the credit union to not make those disclosures.

If you have questions regarding this notice, please contact the credit union.

General Disclaimer

Liberty County Teachers Federal Credit Union does not represent or endorse the accuracy or reliability of any of the information, content or advertisements (collectively, the "Materials") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this website (the "Service"), nor the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Service (the "Products"). You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. Liberty County Teachers Federal Credit Union reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any errors or omissions in any portion of the Service or the Materials.

THE SERVICE AND THE MATERIALS ARE PROVIDED BY LIBERTY COUNTY TEACHERS FEDERAL CREDIT UNION. ON AN "AS IS" BASIS, AND LIBERTY COUNTY TEACHERS FEDERAL CREDIT UNION EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL LIBERTY COUNTY TEACHERS FEDERAL CREDIT UNION BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS AND THE PRODUCTS.

Liberty County Teachers Federal Credit Union encourages you to exercise discretion while browsing the Internet using this directory. The directory may direct you to sites containing information that some people may find offensive or inappropriate. Liberty County Teachers Federal Credit Union makes no representations concerning any endeavor to review the content of sites listed in the directory or any of the Materials. Therefore, Liberty County Teachers Federal Credit Union is not responsible for the accuracy, copyright compliance, legality or decency of material contained in sites listed in the directory or in the Materials.

Liberty County Teachers Federal Credit Union respects the rights (including the intellectual property rights) of others, and we ask our users to do the same. Liberty County Teachers Federal Credit Union may, in appropriate circumstances and in its sole discretion, terminate the accounts of users that infringe or otherwise violate such rights of others.

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