 Privacy Policy
Duluth Teachers Credit Union (DTCU) is committed to protecting the privacy of our members. Usually you can visit us on the Internet without disclosing to us who you are or revealing any information about yourself. In some areas will collect certain information about you and we want you to know how we handle that information.
If you visit DTCU Online, DTCU collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better server our members.
If you send an e-mail, DTCU collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.
If you visit a secure site, such as home banking, (MyCU@HOME) you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables DTCU to identify and allow entry to the member only sections of our website and to audit the usage of this service. Any identifying information gathered is not sold to third parties.
If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.
Notice of your Financial Privacy Rights
We, our, and us, when used in this notice, mean Duluth Teachers Credit Union.
This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:
All of our consumer members who have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Self-directed Individual Retirement Account (IRA) where we act as custodian or trustee
- Financial, investment, or economic advisory services (for a fee)
We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information
We first define some terms
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources such as telephone directories or government records.
An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.
The information that we collect
We collect nonpublic information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about transactions with nonaffiliated third parties
- Information from a consumer reporting agency
The confidentiality, security and integrity of your nonpublic personal information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information
Nonpublic personal information and nonaffiliated third parties
We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
Nonpublic personal information and former members
We do not disclose nonpublic personal information about former members, except as permitted by law.
Authorized sharing - Joint marketing
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
Nonpublic personal information we receive from you on an application or other forms, such as
- Name
- Address
- Social security number
- Birth date
Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Types of Businesses. Here are the types of businesses with whom we may disclose nonpublic personal information under this section.
Financial service providers, such as:
- Insurance agents
- Shared Branching services
Protecting your privacy
Help protect your information with these special tips
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Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen
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Use caution when disclosing your account numbers, social security numbers, etc. to other people. If someone calls you, explains the call is on behalf of DTCU and asks for your account number, you should beware. DTCU staff will have access to your information and will not need to ask for it
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Keep your information with us current. 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. If your address or phone number changes, please promptly let us know.
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When at all possible avoid accessing secure sites (such as MyCU@HOME) from public computers (library, internet cafe, mall kiosks) These computers may be able to capture your information and forward the info to people who could easily clean out your account
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