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Privacy Policy

Effective Date: 1/03/2025

The Privacy Policy on Teamsters First Capital Credit Union Inc. (“Website”, “Site”, “we”, “us”, “our”) explains how we collect, store, share, and use information about users (“you”, “your”, “User”) on this Website.

This Policy governs both personal and non-personal information. If you have previously shared information with us and wish to remove it from our records under our control, you can contact us directly using the details provided below.

The services on this Website are available only to U.S. residents over 18 years old. By registering on this Website, submitting information via our online loan request form, and accepting this Privacy Policy and the Website Terms of Use, you confirm that you understand and agree that your information will be used as described herein. If you do not agree, you should not use the Website or submit any information.

I. Personally and Non-Personally Identifiable Information

To use the Website and its services, you may provide personally identifiable information (PII) through our online form. This information is necessary to connect you with lenders in our network. PII may include:

  • Full name
  • Address
  • Email address
  • Phone number
  • Date of birth
  • Employment information
  • Social Security number
  • Banking and other identification information

Social Security numbers and banking information are only used to connect you with lenders and are never shared with marketers or other third parties unless required by law.

We also collect non-personally identifiable information (NPII) automatically when you use the Website, including:

  • IP address
  • Browser type
  • Device information
  • Geo-location data
  • Referral and exit pages
  • Date and time of access
  • Internet service provider

NPII may be shared with third parties we contract with, unless you opt out or request otherwise.

i. Use of Your PII

Your PII is used to:

  • Connect you with lenders offering products you requested
  • Contact you regarding your request or related marketing (with your consent)
  • Protect against fraud or malicious activity online

Some PII (excluding sensitive data) may be shared with contracted third parties for technical support purposes. All sharing is governed by this Privacy Policy and applicable laws. PII may also be shared with government authorities if required by law or for public safety, national security, or legal compliance.

In case of corporate changes such as merger, acquisition, or liquidation, your PII may be transferred in accordance with applicable laws.

ii. Third-Party Marketing

Certain non-sensitive PII may be shared with third-party marketers, lenders, or advertisers. These parties may contact you about products you previously expressed interest in. You can opt out of these communications using unsubscribe links provided in their messages.

We are not responsible for third-party marketing practices. To remove your information from third-party lists, contact them directly.

iii. Credit Implications

Your PII may be used by lenders to verify your identity and request credit reports, which could affect your credit score. Submitting information on the Website constitutes consent to this process under each lender’s policies.

iv. Email and Telemarketing

By using the Website, you consent to receiving marketing communications via email, phone, or text from us and our contracted lenders and marketers. These communications are allowed even if your number is on federal or state Do-Not-Call lists, as permitted under the Telemarketing Sales Rule (16 CFR §310).

v. Collection of NPII

We may use cookies, web beacons, pixel tags, and log files to collect information about your online activity. This includes:

  • Browsing history and preferences
  • Device and browser type
  • IP address and location

Cookies can be session-based (temporary) or persistent. You can manage cookies via your browser settings.

II. Privacy Management

You may limit or remove your NPII by adjusting browser settings or unsubscribing from communications. Do-Not-Track signals are not yet universally supported, but we follow the provisions of this Privacy Policy to manage privacy.

III. PII Security

We protect your PII using electronic, physical, and administrative safeguards. Access is limited to authorized personnel only. While we take all reasonable measures to secure your data, no system can guarantee complete security.

IV. Information from Children

We do not knowingly collect PII from users under 18. Any such information discovered will be deleted immediately, in compliance with COPPA.

V. E-Consent

By submitting information electronically, you consent to receive electronic records, disclosures, and communications, which have the same legal effect as paper documents.

VI. Third-Party Websites

Our Website may contain links to third-party websites. We are not responsible for their privacy practices. Users should review each third-party site’s Privacy Policy before sharing information.

VII. State-Specific Notices

State laws may impose additional disclosure requirements. Residents with questions about state-specific rules should contact us using the details below.

VIII. Modifications

We may update this Privacy Policy at our discretion. Updates will be posted on the Website with a revised effective date. Continued use of the Website constitutes acceptance of the updated Policy.

IX. Inquiries and Complaints

You can request to modify or remove your PII, or submit complaints, by contacting us at:

Email: contact@toledoteamstersfederalcu.org

A cash advance loan is a short-term borrowing option, sometimes referred to as a payday loan. These loans usually last between two to four weeks and may carry high costs. Because of this, they are intended only for short-term financial needs and should not be used as a long-term financial solution. Consumers facing credit challenges are encouraged to seek credit counseling before entering into any loan transaction.

toledoteamstersfederalcu.org is not a lender and does not make credit decisions or loan offers. The website serves solely as a platform to connect consumers with lenders and third-party marketers. We do not charge users any fees for this service, nor are users obligated to contact any lender, accept any offer, or use any service presented.

We cannot guarantee that every user will be approved for a loan, connected with a lender, or receive a loan offer. Approval, terms, rates (including APR), fees, charges, loan amounts, transfer times, repayment terms, and any consequences of late or missed payments are determined entirely by the lender.

Loan products and conditions vary between lenders and depend on several factors, including the borrower’s state of residence, credit history, and each lender’s own policies.

By submitting a loan request on our site, you acknowledge and authorize that your information may be shared with lenders and third-party marketing partners in our network. These lenders may obtain consumer reports or related information about you from credit reporting agencies such as TransUnion, Experian, or Equifax to evaluate your creditworthiness. Additional verification may also be required, which could include your Social Security number, driver’s license, national ID, or other identification documents.