Privacy policy, mobile view banner, Compliance, TCU,

Privacy Policy

Effective April 13, 2026

Contents

Online Privacy and Cookie Notice

U.S. Consumer Privacy Notice

California Consumer Privacy Act (“CCPA”) Privacy Policy

Your Rights and Choices

Privacy policy

We have developed this Privacy Policy to address our collection, use and disclosure of confidential or personally identifiable information. This Privacy Policy applies to all persons and/or businesses who visit our websites as well as those who do business with us. We are committed to protecting the privacy of our members, customers and website visitors. References to "we," "us," and "our" refer to Travis Credit Union. References to "you," "your" and "yours" shall mean the members, customers and website visitors. References to “app” refers to our mobile applications that run on smartphones, tablets, and other devices, through which you will be able access Online Banking services. Unless otherwise stated herein, references to our website also include our Online Banking services available through our app.

The following provides a brief explanation of the contents of this Privacy Policy:

  • Online Privacy and Cookie Notice. The Online Privacy and Cookie Notice discloses how we collect, use, and share information from visitors to our website (https://www.traviscu.org) and users of our app (Travis CU Mobile).
  • U.S. Consumer Privacy Notice. The U.S. Consumer Privacy Notice discloses how we collect, use, and share the personal information of individuals who apply for or obtain our financial products and services for personal, family, or household purposes as well as other associated individuals, such as joint account holders and account beneficiaries, pursuant to the federal Gramm-Leach Bliley Act (“GLBA”).
  • California Consumer Privacy Act (“CCPA”) Privacy Policy. The CCPA Privacy Policy applies to residents of California to the extent that the California Consumer Privacy Act of 2018 (“CCPA”) applies to us. The specific personal information that we collect, use, and disclose relating to a California resident in different contexts covered by the CCPA will vary based on our relationship or interaction with that individual. For example, the CCPA Privacy Policy does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes (i.e., information subject to the GLBA and CalFIPA). For more information about how we collect, disclose, and secure information relating to these customers, please refer to the U.S. Consumer Privacy Notice.

Online privacy and cookie notice

This Online Privacy and Cookie Notice (“Online Privacy Notice”) describes Travis Credit Union’s online and mobile privacy practices and applies to our website (https://www.traviscu.org) and users of our app (Travis CU Mobile) that run on smartphones, tablets, and other devices, and additional services that we offer which link to this Online Privacy Notice.

By using this website or our mobile app, you agree to the terms and conditions of this Online Privacy Notice and consent to our online data collection activities as described in this Online Privacy Notice.

The terms “personal information” or “personally identifiable information” used in this Online Privacy Notice refers to information such as your name, mailing address, email address, telephone number, Social Security number, or other information that identifies you. This information may be collected when you voluntarily provide it to us on our website or in our app. The term “online activity data” refers to such information as IP address, browser type, and display/screen settings; how you interact with our website and app; mobile device and advertising IDs; social media preferences and other social media data; location data (if you have enabled location services on your device); and other data that may be aggregated and that does not identify individual consumers/customers.

INFORMATION WE COLLECT ONLINE – AND HOW WE COLLECT IT

You may visit our website to find out about products and services and check rates, without giving us any personal information. We may use software tools and/or "cookies" to track and gather information about your browsing activities in order to analyze usage, target areas for improvement, and create marketing programs to benefit our members or potential members that visit our site. Tracking includes the date and time of visits, pages viewed, time spent on our site, browser types, IP address, and the site visited just before and just after our site. We may also track browsing activities of members who have accounts with us and who use our online banking services. As part of our security procedures for members using our online banking to conduct account inquiries and transactions, we require personally identifiable information such as a login identification (login ID) and password. We may use a cookie to authenticate your request.

1) Use of Cookies and Similar Tracking Technologies

The use of cookies and similar tracking technologies (including pixels or clear GIFs, tags, and we beacons) is a common internet practice. Cookies are small text files containing small amounts of information which are downloaded to your computer, smartphone, tablet or other mobile device when you visit a website. Cookies are useful in a number of ways, including allowing a site or mobile app you use to recognize your device, save your settings on a site or mobile app, facilitate navigation, display information more effectively and to personalize the user’s experience. Cookies are also used to gather statistical information about how sites and mobile apps are used in order to continually improve design and functionality and assist with resolving questions regarding the sites and mobile app.

a. Attributes of Cookies

Cookies set by us are called first-party cookies. We may also have third-party cookies, which are cookies from a domain different than the domain of the website you are visiting, for our advertising and marketing efforts. There can be first-party and/or third-party cookies within any of the below Categories of Cookies.

Cookies have a duration period. Cookies that expire at the end of a browser session are called “session” cookies. Cookies that are stored longer are called “persistent” cookies. There can be session and/or persistent cookies within any of the below Categories of Cookies. Persistent cookies are stored on your system and can be accessed again for multiple visits. Persistent cookies usually have an expiration date and will be automatically deleted from your system at that time.

b. Categories of Cookies

Below is a list of the types of cookies that may be used on our sites. We classify cookies into the following categories:

Strictly Necessary Cookies. These cookies are necessary for the sites to function and cannot be switched off in our systems. Without these cookies, the sites and mobile apps will not work properly. Examples include setting your privacy preferences, setting your language preferences or logging in a secured area requiring authentication. Strictly necessary cookies may also detect transmission errors or data loss or distribute network traffic across different servers to ensure accessibility. You can set your browser to block or alert you about these cookies, but that will cause some parts of the site to not work.

Performance Cookies. These cookies allow us to count visits and traffic sources so we can measure and improve performance of our site. They help us know which pages are most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore do not personally identify the visitor. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Functional Cookies. These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our paged. If you do not allow these cookies then some of the services may not function properly.

Targeting Cookies. These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites. They don’t store directly personal information, but may be based on uniquely identifying your browser or internet device. By opting out of targeting cookies, you may still see the same number of ads as before, but they may be less relevant because they will not be based on your interests.

Social Media Cookies. These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies you may not be able to use or see these sharing tools.

c. How to Control and Delete Cookies

1. Using Your Browser

Many of the cookies used on our website can be enabled or disabled through our consent tool or by disabling the cookies through your browser. To disable cookies through your browser, follow the instructions usually located within the “Help,” “Tools” or “Edit” menus in your browser. Please note that disabling a cookie or category of cookies does not delete the cookie from your browser unless manually completed through your browser function.

A growing number of browsers have adopted Global Privacy Control (“GPC”). The GPC is a technical specification designed to allow internet users to notify businesses of their privacy preferences, such as whether they want their personal information to be sold or shared for behavioral advertising purposes. Where required to do so under applicable law, our website will honor GPC opt-out signals.

2. Using Your Mobile Device

Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or you can reset the advertising identifier at any time within your mobile device privacy settings. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they will not be based on your interests.

3. Behavioral Advertising on Third-Party Websites

Online activity data collected on our website or apps may be used to advertise our products and services that may be of interest to you on third party websites. Our service providers that deliver these advertisements are subject to their own privacy policies. To explore options for opting out of behavioral advertising, visit https://optout.aboutads.info/ or click on the AdChoices icon in an ad and follow the instructions. You may also use the Network Advertising Initiative's (NAI) Opt-Out Tool by visiting https://optout.networkadvertising.org/?c=1. Furthermore, you may download the Google Analytics opt-out plug in, available at https://tools.google.com/dlpage/gaoptout/, to prevent your data from being collected and used by Google Analytics. Moreover, there may be other tools provided by the publishing platform to enable you to opt-out. Opting out relies on information in the unique cookies placed on your web browser by our service providers, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again. Additionally, we may partner with websites like Google to display ads to you based on search terms you use on those websites. Please review the privacy policies of those websites for instructions on how to limit these ads. Please note that you may still receive general online advertising from us even after you adjust your ad preferences with certain web search engines or opt out of online advertising through AdChoices or the NAI tool. Such advertising, however, should not be based on online activity data or search term information.

However, since we do not own or control these third-party resources, we cannot ensure that you will stop receiving our advertisements by using these tools or that such advertisements will not be based on online activity data or search term information, and we do not guarantee the functionality or availability of such third-party tools. While we work with vendors and service providers who are contractually obligated to comply with our policies to protect information and to comply with all applicable laws regarding the collection, safeguarding, processing and disclosure of personal information, such vendors and service providers are solely responsible for cookies, cookie tracking and your choices for managing cookies.

4. Cookie Consent Tool

If you are a resident of California or any other state that provides you with a right to opt-out of cross-context behavioral advertising, you may also opt-out of targeting cookies that facilitate cross-context behavioral advertising by adjusting your cookie preferences through our cookie consent tool. To exercise this right, please click on the following link and opt-out:

Your Privacy Choices California Consumer Privacy Act (CCPA) Opt-Out Icon

Strictly necessary cookies cannot be disabled, nor can the tool be used to block cookies on third party websites linked from our website. Please note that while your opt-out choices may be effective on the specific device and browser you use when you opt-out, it may not be effective on other devices or browsers that you may subsequently use to visit our website, and you may need to use the consent tool feature again when visiting our website from such other browsers or devices.

5. Third Party Website Cookies That We Cannot Control

When using our website, you may be directed to other websites for such activities as surveys, completing job applications, and to view content hosted on those sites such as an embedded video or news article. These websites may use their own cookies. We do not have control over the placement of cookies by other websites you visit, even if you are directed to them from our website.

2) Location Data

When allowed by you, our mobile app collects your location data to provide you with location-based services, such as identifying branches and ATMs near you, and location-based messages and offers. Location access can be allowed once, only while using the app, or you can choose to not allow location data to be collected.

3) IP Addresses

If you log on to our online banking page, you pass through a "firewall" used for security purposes and the Internet Protocol (IP) address associated with the computer you are using may be identified. The IP address does not identify you personally. In certain instances, it may also obtain other information about your computer to better identify you as an online user. This information may be retained in case it is needed for security or protection of member information.

4) Social Media

We may collect information, such as your likes, interests, feedback, and preferences when you interact with our official pages on social media websites such as Meta, X, LinkedIn, YouTube, and Instagram or from our social media partners. Please note that these platforms are governed by their own privacy policies and practices, which we do not control or manage. We encourage you to review their respective privacy policies to understand how your information may be collected, used, and shared, as well as your options for managing your privacy settings on those platforms.

HOW WE USE INFORMATION WE COLLECT

We do not and will not sell your personal information. We share your information as required to meet legal and regulatory obligations. We share your personal information that you have provide to us in connection with applying for membership and/or financial products with us (“personally identifiable financial information”) with affiliates and third parties in accordance with the practices set forth in the U.S. Consumer Privacy Notice.

With respect to other information that we collect from you online, which includes personal information as well as online activity data that does not personally identify you or your household, we use such information for a variety of reasons, including:

  • to present our website and its contents to you;
  • to enable you to use online tools or perform certain online transactions;
  • to service and manage your account, including responding to or updating you on inquiries, or to contact you about your accounts or feedback;
  • to offer you special products and services and deliver advertisements to you in the form of banner ads, interstitial pages (ads that appear as you sign in or sign out of your online accounts) or other promotions;
  • to analyze whether our ads, promotions, and offers are effective;
  • to help us determine whether you might be interested in new products or services, and to improve existing products and services;
  • to verify your identity and/or location to allow access to your accounts and conduct online transactions;
  • to manage fraud and data security risk;
  • to personalize and optimize your website browsing and app experiences by examining which parts of our website you visit or which aspect of our apps you find most useful;
  • to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal requirements;
  • to share with trusted third parties who are contractually obligated to keep such information confidential; and
  • to use it only to provide the services we have asked them to perform.

WHO WE SHARE INFORMATION WE COLLECT WITH

We disclose your personal information and non-personally identifiable online activity data to third parties for only for our business purposes and to comply with our legal requirements. The general categories of third parties that we share with are as follows:

  • our third-party service providers;
  • other companies to bring you co-branded services, products or programs;
  • third parties that help us advertise our products or services;
  • third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you;
  • third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of our company or affiliated business; and
  • other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise, to protect the rights, property or security of our customers or third parties.

MISCELLANEOUS

App Permissions: Depending on your device or app permission settings, the app may have access to the following information from your mobile device: Contacts (may have access to your contact information), location (may include precise or approximate location), stored information and photos/media/files (the app may be able to read, modify, or delete the contents of your USB storage), camera (may allow the app to take pictures and videos), Wi-Fi connection information (view your Wi-Fi connections to connect and disconnect from Wi-Fi), phone (may directly call phone numbers), and other information (for example, the app may be able to receive data from the Internet, prevent your device from sleeping, identify your network connections, and obtain full network access).

These app permission settings allow you to access or use certain features within the app. For example, in order to locate the nearest branch to you, the app may need access to your precise location. You may change your app permission settings. By changing your app permission settings, you may affect your ability to access or use certain features on the app. Additionally, you may be able to log into the app using your device’s log in features such as using a passcode or your fingerprint. These device log in features are facilitated through your device and we have no control over such features, which you can change by accessing your device settings and preferences.

Confirm Your Information Is Accurate: Keeping your account information up-to-date is important. If you are an enrolled in online services, mobile banking, or electronic banking, you may review and maintain your information by logging in with your username and password. You may also contact us at: 800-877-8328.

Security: We take the protection of personal and financial information seriously and implement a range of administrative, technical, and physical safeguards that are intended to reduce the risk of unauthorized access or disclosure. While we utilize various security features—such as secure servers, device safeguards, access limitations, and contractual requirements with certain third-party service providers—no system can guarantee absolute security. Information security measures may change over time in response to evolving threats and operational needs. References to our practices are for informational purposes only and do not constitute a representation or warranty regarding the security of your information.

What You Can Do to Help Protect Your Information: We are committed to protecting your privacy. We suggest you follow these guidelines:

  • Protect your account numbers, card numbers, personal identification numbers (PINs), and Passwords. Never keep your PIN with your debit or credit card which would provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, and other confidential information to other persons. If someone calls you, explains the call is on behalf of TCU and asks for your account number, you should beware. Our staff will have access to your information and will not need to ask for it.
  • It is important that we have your current information so we may reach you. If we detect potentially fraudulent or unauthorized activity or use of any account, we will attempt to contact you immediately. If your address, phone number or email changes, please let us know.

Linking to Other Websites: The website, online services, electronic banking or mobile banking may contain links to third party websites. Although these links were established to provide you with access to useful information, we do not control and are not responsible for any of these websites or their contents. We do not know or control what information third-party websites may collect regarding your personal information. We provide these links to you only as a convenience, and we do not endorse or make any representations about using such third-party websites or any information, software or other products or materials found there, or any results that may be obtained from using them. We encourage you to review the privacy statements of websites you choose to link to from the website so that you can understand how those websites collect, use, and share your information. We are not responsible for the security or privacy practices of the linked websites.

Chat Sessions: Please note that chat sessions may be monitored and/or recorded for quality assurance. You agree and consent to such monitoring and recording through your continued use of chat. If you prefer another method of communication, please feel free to contact us via the additional options provided in the “Contact Us” link on our website or visit one of our branches for further assistance.

Protecting Children's Privacy: We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act (“COPPA”). Our website and mobile application does not target children. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. We may, however, collect information about consumers under the age of thirteen on our website or mobile application directly from their parents or legal guardians in connection with the financial products and services that we offer to our members, such as, without limitation, adding children as beneficiaries to bank accounts or joint account holders of bank accounts. For more information about COPPA please visit the Federal Trade Commission website: www.ftc.gov.

Data Retention: We may retain your personal information and online activity data even if you decide to terminate your membership with us, close your accounts with us, and/or delete our app or cease or website based on the following:

  • Laws and regulations. We are a regulated financial institution that is subject to laws and regulations governing our retention of information pertaining to our members, applicants for credit union membership, loans and other financial products and services. We are also an employer and, thus, we are subject to labor laws governing how long we must retain information about applicants for employment and current and former employees. Therefore, applicable laws and regulations will govern how long we retain information pertaining to you.
  • Fraud Prevention and Security. We will retain information that we need for fraud prevention and security purposes.
  • Contracts. We will retain information for as long as necessary to comply with our contractual obligations to you, our service providers and other third-parties, as permitted by law.
  • Legal Claims and Defenses. We may retain information for such period as necessary or advisable to preserve legal claims and defenses.

Contact Us: If you have any questions regarding this Policy, call us at: 800-877-8328

Updates to this Policy: From time to time, we may change this Online Privacy Notice. The effective date of this Online Privacy Notice, as indicated above, reflects the last time this Policy was revised. Any changes to this Policy will become effective when we post the revised Policy on our website. Your use of the website, online services, or mobile app following these changes means that you accept the revised Online Privacy Notice.

U.S. consumer privacy notice

Questions?
Call (707) 449-4000 or (800) 877-8328 or go to www.traviscu.org

What we do

How does TCU protect my personal interest?

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.

How does TCU 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 debit or credit card

We also collect your personal information from other sources, such as credit bureaus.

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. TCU has no affiliates.

Non-affiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. TCU does not share your personal information 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 investment, insurance, and other financial services companies.

CCPA privacy policy

Rev. April 10, 2026

This California Consumer Privacy Act Privacy Policy (“CCPA Privacy Policy”) explains how we collect, share, use, and protect your personal information through your online and offline interactions with us. This CCPA Privacy Policy applies to residents of California to the extent that the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (“CCPA”), applies to Travis Credit Union (also “we”, “us” and “TCU”). As used in this Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. However, personal information does not include: (i) publicly available information; (ii) deidentified or aggregated consumer information; or (iii) personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FRCA”) and the Gramm-Leach-Bliley Act (“GLBA”), the California Financial Information Privacy Act (“CalFIPA”), and Fair Credit Reporting Act (“FRCA”).

The specific personal information that we collect, use, and disclose relating to a California resident in different contexts covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this CCPA Privacy Policy does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes (i.e., information subject to the GLBA). For more information about how we collect, disclose, and secure information relating to these customers, please refer to our U.S. Consumer Privacy Notice. We may use the information described below for any of the purposes described in this CCPA Privacy Policy or for our business, security, or operational purposes compatible with the context in which the personal information was collected, unless limitations are listed in this CCPA Privacy Policy or described elsewhere at the time of collection of the information.

I. CATEGORIES OF INFORMATION WE COLLECT

In the preceding 12-months, we have collected the following categories of personal information (please note that some categories overlap):

For purposes of the CCPA, “personal information” does not include:

  • Publicly available information.
  • De-identified information that cannot reasonably be used to identify you or your household.
  • Aggregated consumer information that relates to a group or category of consumers, from which consumer identities have been removed, that is not linked or reasonably linkable to any consumer or household, including via a device.
  • Information excluded from the CCPA’s scope like personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver’s Privacy Protection Act of 1994.

CATEGORIES OF SOURCES OF INFORMATION WE COLLECT

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from consumers or their agents. For example, from forms you complete, when you perform transactions, and when you purchase products or services.
  • Indirectly from consumers or their agents. For example, when you use your debit or credit cards, when you make deposits or withdrawals to/from your accounts, or when you pay your bills.
  • Directly and indirectly from activity on our website or our mobile applications. For example, from submissions through our website, application portals, or website usage collected automatically.
  • From third-parties, such as credit reporting agencies, government agencies, law enforcement agencies, and service providers.

III. HOW WE USE YOUR PERSONAL INFORMATION

We may use or disclose personal information we collect for one or more of the following operational or other notified purposes (“business purposes”):

  • To fulfill or meet the reason for which the information is provided. For example, if you apply for a loan, we use the information in your loan application to evaluate your credit request and grant you the loan if approved.
  • To provide you with information, products, or services that you request from us.
  • To provide you with email alerts, event registrations, or other notices concerning our products or services, or events or news, that may be of interest to you.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
  • To improve our website and present its contents to you.
  • For testing, research, and analysis to improve our products and services and for developing new ones.
  • To protect the rights, property, or safety of us, our employees, our members, or others.
  • To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us is among the assets transferred.
  • As otherwise permitted under law.

With respect to your personal information that is deemed “sensitive personal information” under the CCPA, we do not use or disclose it for any purpose other than, as reasonably necessary and proportionate, for the following purposes:

  • To perform the services or provide the goods reasonably expected by an average consumer who requests those goods and services.
  • To prevent, detect, and investigate security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
  • To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.
  • To ensure the physical safety of natural persons.
  • For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with the business, provided that the personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside of your current interaction with us.
  • For our service providers or contractors to perform services on our behalf, such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on our behalf; provided, however, that the use of your sensitive personal information is reasonably necessary and proportionate for this purpose.
  • To verify or maintain the quality or safety of a service or device that is owned, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured for, or controlled by us; provided, however, that the use of your sensitive personal information is reasonably necessary and proportionate for this purpose.
  • To collect or process sensitive personal information where such collection or processing is not for the purpose of inferring characteristics about you.

IV. HOW WE SHARE AND DISCLOSE PERSONAL INFORMATION

In addition to the specific situations discussed elsewhere in this CCPA Privacy Policy, we may disclose your personal information in the following situations:

  • Service Providers. We may share your information with service providers. Among other things, service providers may help us to administer our website, conduct surveys, provide technical support, process payments, assist in the fulfillment of services, and help us market our own products and services.
  • Joint Marketing Partners. We may share your information with other companies to offer you co-branded financial products and services.
  • Advertising Networks. We may share your information with advertising networks such as Google and Facebook to help deliver our advertisements to you as you are browsing online.
  • Compliance with Laws and Other Lawful Uses. We may disclose information to law enforcement agencies and other government entities or private parties in litigation in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information with this parties to establish or exercise our rights, to defend against a claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies. We may also disclose your personal information with our acquisition or merger partners in the event of an acquisition or merger. Furthermore, we may disclose your personal information as permitted by applicable law. All of the categories of personal information we collect from you may disclosed for this purpose.
  • Your Consent. All the categories of personal information we collect from you may be disclosed to third parties with your consent or direction.

In addition to the information above, California law requires that organizations disclose whether the specific categories of personal information defined in the CCPA have been disclosed to third parties for a “business purpose,” or “sold” or transferred for “valuable consideration, or “shared” for purposes of cross-context behavioral advertising. The table below indicates which of these specified categories we may collect and transfer in a variety of contexts.

V. YOUR RIGHTS AND CHOICES

This section describes your rights and choices regarding how we collect, share, use, and protect your personal information, how to exercise those rights, and limits and exceptions to your rights and choices.

a. Exceptions

The rights and choices in this Section do not apply:

  • If you are not a California resident;
  • If we collected personal information covered by certain financial sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) and/or California Financial Information Privacy Act (“CFIPA”). How we collect, share, use, and protect your personal information is covered under such laws instead of the CCPA; or
  • To aggregate consumer information; or
  • To deidentified personal information; or
  • Publicly available personal information.

b. Right to Know

If the above exceptions do not apply, and you have not made this request more than twice in a 12- month period, you have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we receive and confirm your request and verify that the request is coming from you or someone authorized to make the request on your behalf, we will disclose to you or your representative:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting, sharing or selling that personal information, as applicable.
  • The categories of third parties to whom we disclosed, shared or sold the personal information, as applicable.
  • The specific pieces of personal information we collected about you in a form that you can take with you (also called a “data portability request”).

c. Right to Delete

You have the right to request that we delete any of your personal information that we collect from you and retained, subject to certain exceptions. Once we receive and verify your request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
  2. Detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  3. Debug to identify and repair errors that impair existing intended functionality;
  4. Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
  5. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you previously provided informed consent;
  6. Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us and compatible with the context in which you provided the information; or
  7. Comply with a legal obligation.

d. Right of Correction

You have the right to request correction of any personal information that we retain about you that is incorrect. We generally rely on you to update and correct your personal information.

e. Right to Access and Appeal Automated Decision-Making Technology

Under the CCPA, California residents have the right to request information about, opt out of, and appeal certain uses of automated decision-making technology (“ADMT”). ADMT refers to any technology that processes personal information and uses computation to replace or substantially replace human decision-making. The use of ADMT may significantly affect individuals in areas such as eligibility for financial products, services, or employment.

At present, we do not use ADMT with respect to any personal information subject to the CCPA. Our current use of ADMT is limited to financial products and services regulated by the GLBA and CalFIPA, which are expressly exempt from the CCPA. Accordingly, there is no use of ADMT on CCPA-covered data, and therefore no information to provide in response to requests to access, opt out of, or appeal ADMT decisions.

If, in the future, we begin using ADMT with respect to CCPA-covered personal information, we will update this disclosure and provide the corresponding ADMT rights.

f. Exercising Access, Data Portability, Deletion, and Correction Rights

To exercise the access, data portability, deletion, and correction rights described above, you or your authorized agent may submit a verifiable consumer request to us by any of the following methods:

  • Calling: 800-877-8328.
  • Submitting a CCPA Submission Form available via this link.
  • Mail the CCPA Submission Form to: Travis Credit Union, Attn: Compliance Department, P.O. Box 2069, Vacaville, CA 95696.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

When we receive a verifiable request from your authorized agent we may require:

  1. Submission of a written document signed by you with your permission for the authorized agent to submit a verifiable request on your behalf and require the authorized agent to verify its own identity to us; or
  2. You may directly verify with us that you have authorized the agent to submit the request.

We will not require either of the above if the authorized agent provides a copy of a power of attorney pursuant to California Probate Code sections 4121 to 4130 and we are able to verify the authorized agent’s identity.

We will deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us.

We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response to the mailing address of record according to our files. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hinderance.

The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request.

g. Right of Non-Discrimination

We will not discriminate against you for exercising any of your rights in this Disclosure and under applicable laws. Unless permitted by law, we will not deny you goods or services; charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties; provide you a different level or quality of goods or services; or suggest that you may receive a different price for goods or services or a different level or quality of goods or services.

h. Opt-Out Rights Regarding Sale of Personal Information

The CCPA defines a “sale” differently than what you might expect. Under the CCPA, a “sale” is defined the disclosure of personal information to a “third-party” for monetary or other valuable consideration, and the term “third-party” does not include our service providers or contractors when we have a written contract in place that meet certain requirements set forth in the CCPA. Thus, disclosure of your personal information to our service providers and contractors is not a “sale” under the CCPA.

With the above in mind, we have not sold your personal information in the previous 12-months.

i. Opt-Out of Sharing Personal Information for Cross-Context Behavioral Advertising

The CCPA defines “share” or “sharing” differently than what you might expect. The CCPA defines “share” or “sharing” to a third party for purposes of “cross-context behavioral advertising,” which in turn is defined as the targeting of advertising to a consumer based on the consumer’s personal information obtained from the consumer’s activity across businesses, distinctly branded internet websites, applications, or services, other than the business, distinctly branded internet website, application, or service with which the consumer intentionally interacts.

You have the right opt-out of the sharing of your personal information for cross-context behavioral advertising. To exercise this right, please click on the following link and opt-out:

Your Privacy Choices California Consumer Privacy Act (CCPA) Opt-Out Icon

Also, if we receive an opt-out preference signal in a format commonly used and recognized by businesses, we will accept the signal as a valid request to opt-out of sharing your personal information for cross-context behavioral purposes for the particular browser or device from which the signal was sent.

VI. CHANGES TO THIS DISCLOSURE

We reserve the right to amend this CCPA Privacy Policy at our discretion and at any time. When we make changes to this Disclosure, we will post an updated CCPA Privacy Policy on our website and mobile application.

VII. CONTACT INFORMATION

If you have any questions or comments about this CCPA Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights, call us at: 800-877-8328.

Download Disclosure

TCU-10020 Rev. 04/2026