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Privacy Notice

Rev. 10/2017

FACTS:  WHAT DOES Topside Federal Credit Union (Topside FCU)/ Topside Financial Services, LLC DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: 

  • Social Security number and Account Transactions 
  • Payment History and Account Balances
  • Purchase History and Checking Account Information

          When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share member personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member personal information; the reasons Topside FCU/Topside Financial Services, LLC chooses to share; and whether you can limit this sharing.           

Reasons we can share your personal information

Does Topside FCU/

Topside Financial Services, LLC share?

Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes ​No
 For our marketing purposes— to offer our products and services to you Yes No
 For joint marketing with other financial companies Yes No
 For our affiliates’ everyday business purposes— information about your transactions and experiences No  We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness No  We don't share
For Our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

Questions?

Call (540) 663-2181 or go to www.topsidefcu.org 

Who we are: Who is providing this notice? Topside Federal Credit Union (Topside FCU) and Topside Financial Services, LLC (Topside Financial Services)

What we do:  How does Topside FCU/Topside Financial Services protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Topside FCU/Topside Financial Services regularly test and assess our information security measures and adopt upgrades and enhancements as necessary.

How does Topside FCU/Topside Financial Services collect my personal information? We collect your personal information, for example, when you 

  • Open an account or Deposit money 
  • Pay your bills or Apply for a loan 
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only 

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness 
  • affiliates from using your information to market to you 
  • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions:

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies. Topside FCU does not share with our affiliates.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. Topside FCU does not share with nonaffiliates so they can market to you.

Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance and other financial services companies.