Privacy Notice Disclosure

Okaloosa County Teachers Federal Credit Union is committed to providing the financial products and services you need and to helping you reach your financial goals. We are equally committed to protecting our members’ privacy. You can rest assured your financial privacy is priority of this Credit Union and it is held in the strictest confidence. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact us at 850-682-2225.
    
Information We Collect and Disclose About You

This Institution collects the following nonpublic personal information about our consumer members:

• Information received from you on applications and other forms
• Information about your transactions with us (such as information about a deposit, loan, or credit card account); and
• Information we receive from a consumer reporting agencies.

Confidentiality and Security of Nonpublic Personal Information

This Institution maintains the following policies and practices designed to protect the confidentiality and security of consumers’ nonpublic personal information:

• We limit employee access to confidential member financial information to those employees with business reason for knowing such information. Our employees are trained to understand the importance of member financial privacy and to properly handle confidential information.
• It is our policy that member information is not to be provided to anyone over the telephone unless the previously issued Personal Identification Number (“PIN”) has been provided to the employee by the person requesting the information or we have otherwise determined that you are the person requesting information on your own account or have authorized us to release the requested information.
• We endeavor to maintain the most accurate and up-to-date member records possible. If you find that your account information is not correct, current, or complete, please call, e-mail, or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible. Since some e-mail transmissions may be subject to interception, if your correspondence contains sensitive information (e.g., your account number or social security number) you may want to send a letter or telefacsimile to us.
• If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to our Supervisory Committee at the address on your account statement.
• Breaches of member privacy are considered serious employee misconduct and may result in termination of the employee.

Disclosures to Affiliates or Nonaffiliated Third Parties

This institution does not disclose nonpublic personal information about our members or former members to anyone, except as permitted by law. 

How We Protect Your 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, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information. 

What Members Can Do to Help

Okaloosa 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! 

Web Site Link Disclaimer

Links to other web sites found here are provided to assist in locating information. The mere fact that there is a link between this web site and another does not constitute a product or program endorsement by Okaloosa County Teachers Federal Credit Union or any of its employees. Okaloosa County Teachers Federal Credit Union has no responsibility for content of the web sites found at these links or beyond, and does not attest to the accuracy or propriety of any information located there.