Family 1st of Texas Federal Credit Union Privacy Statement

Your privacy is top priority to us. We are owned by you, our members, and governed by the Board of Directors you elect. We are providing this privacy notice to explain how we collect, use and safeguard your personal financial information.

We are committed to providing competitive accounts, loans and services to meet your financial needs. In order to offer a full array of services in an efficient manner, we may find it necessary to share information about you to complete your transactions or provide you with other financial opportunities.To protect our member’s privacy, we only work with companies that agree to maintain a high level of confidentiality and limit the use of the information we provide. We have entered into agreements with other companies that provide services such as check printing and statement processing. Under these arrangements we may disclose information we collect, as described below. We do not permit these companies to sell your information to other parties.As you read this notice remember:
We, our, us refers to Family 1st of Texas Federal Credit Union.
You and your means the following types of members:
All consumers who have a continuing relationship with us such as deposit accounts, loans, or credit cards.This notice will inform you about the sources for nonpublic personal information we collect regarding our members and the measure we take to secure them.
Definitions of important terms:
Nonpublic personal information-information we collect about you in connection with providing a service. Nonpublic person information does not include information that is available from public sources such as government records and telephone directories.

Non-affiliated third party-a company that is not affiliated of ours.
Information that we collect: We collect nonpublic information about you from the following sources:
*Applications or other forms *Your transactions with us *Consumer reporting agencies *Your current or past employers or other institutions where you conduct financial transactions Confidentiality, Security, and Integrity of Your Nonpublic Personal Information: We restrict access of nonpublic personal information to those who need to know that information in order to provide accounts, loans, and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Authorized Sharing: We may disclose nonpublic personal information we collect to companies that perform marketing services on our behalf.

Nonpublic Personal Information and Non Affiliated Third Parties: We will not disclose nonpublic personal information about you to anyone except as permitted by law.

Nonpublic Personal Information and Former Members: We will not disclose nonpublic information about former members, except as permitted by law.

For our members' protection and peace of mind we offer the following coverages:Credit Life and Credit Disability Insurance - optional Credit Life and Disability insurance is available on our loans to ensure your payments will be made for you if something unforeseen happens. GAP Insurance - During the first few years that you own your vehicle, the loan amount may actually exceed the value of the vehicle as a result of depreciation. If your vehicle was involved in an accident and totaled or if were stole, would you be able to pay the difference between the actual value of the vehicle and the amount owed? Guaranteed Auto Protection (GAP) will cover the difference. Ask a loan officer for details.

Mechanical Breakdown Insurance - Protect yourself from costly repairs especially when your vehicle is no longer covered by the factory warranty. Mechanical failure is inevitable and our MBI coverage can save you from having to make costly repairs. For a quote, e-mail us or call the credit union and speak to a loan officer.