Privacy Policy

Introduction

TerraCrest Union ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our banking services, website, and mobile applications.

Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including:

• Name, address, email address, and phone number
• Social Security number and date of birth
• Government-issued identification documents
• Employment and income information
• Account numbers and financial information
• Transaction history and account activity

Automatically Collected Information

When you access our services, we may automatically collect:

• Device information (type, operating system, unique identifiers)
• IP address and location data
• Browser type and settings
• Usage data and browsing history on our platforms
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our banking services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Communicate with you about products, services, and promotions
• Respond to your comments, questions, and customer service requests
• Monitor and analyze trends, usage, and activities
• Personalize and improve your experience

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With third parties who perform services on our behalf
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• With Your Consent: When you have given us permission to share
• Affiliates: With our affiliated companies for internal business purposes

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication
• Regular security assessments and penetration testing
• Employee training on data protection
• Physical security controls at our facilities

Your Rights and Choices

You have certain rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt out of marketing communications
• Do Not Track: We honor Do Not Track browser settings

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings. However, disabling cookies may limit your ability to use some features of our services.

Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn we have collected information from a child under 13, we will delete that information.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at: