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Online Privacy Notice

TFCU is committed to protecting the privacy of its members and other users of its Services. This Online Privacy Notice, in combination with other relevant privacy notices that we provide to you pursuant to financial privacy laws including the Consumer Privacy Notice, explain how we collect, use, share, and protect personal information that we and our service providers collect from or about users in connection with the products and services, including mobile and online services, offered by TFCU (collectively the “Services”).

If you are a U.S. consumer and have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

We also collect and use certain information from other users who visit or interact with our websites or online Services, even if they do not have a financial product or service with us, as described in this Online Privacy Notice.

Types of information we collect

Through your use of the Services and how you interact with us, we may collect personal information from you in the following ways:

Personal information you provide to us.

  • Contact information, such as your name, address, email, telephone number and social security number.
  • Account and transaction information, including account numbers, payment card expiration dates, payment card identification and verification numbers, and transaction and payment history, as necessary to provide the Services.
  • Communications, such as when you provide feedback or contact us via email or other electronic channels. We collect your name, email address, and any other content included in the communication in order to respond to you.

Personal information collected by technology.

  • Device data, such as your device type (e.g., phone or tablet), operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, IP address, unique device identifiers, language settings, mobile device carrier, and network connection type.
  • Online activity data, such as pages or screens you viewed, time spent on a page or screen, links or buttons clicked, the website visited prior to accessing the Services, access times, and duration of access.
  • Location information, such as city, state, or general geographic area derived from your device. If you enable location services and consent to the collection of your precise location information, the Services may collect real-time location data. This information may be used to help locate TFCU branches and ATMs and to support fraud detection. You may decline or withdrawal consent through your device settings; however, certain features of the Services may not function without location information.
  • Behavioral biometrics, such as cursor movements, touch interactions, speed and pattern of typing, which are used for fraud detection and prevention.

Additional sources of information.

  • Information from third parties, such as identity verification services and consumer reporting agencies (including credit bureaus), as permitted by law and necessary to provide certain Services.

How we use your information

We use personal information to operate, maintain, and improve the Services, and to communicate with you. For example, we may use personal information to:

  • Provide the Services you request;
  • Create, secure, and maintain your accounts;
  • Verify your identity and authenticate you as a legitimate user;
  • Improve the administration, functionality, and user experience of the Services;
  • Respond to inquiries and provide member support;
  • Send administrative communications, such as security alerts or support messages; and
  • Send offers and other promotional communications related to the Services, as permitted by law.

We may also use personal information for compliance and protection purposes, including to:

  • Prevent, identify, investigate, and deter fraudulent, unauthorized, or illegal activity;
  • Comply with applicable laws, regulations, legal processes, and government requests;
  • Protect the rights, privacy, safety, or property of TFCU, our members, or others;
  • Comply with internal policies and contractual obligations; and
  • Enforce the terms and conditions that govern the Service.

How we share information

We may share personal information in accordance with our Consumer Privacy Notice and applicable law.

  • Service providers and affiliates. We may share personal information with third-party and affiliated service providers that perform services on our behalf, such as hosting, data analytics, account servicing, fraud prevention, customer support, and technical assistance.
  • Legal and compliance disclosures. Regardless of any choices you make regarding your personal information, we may disclose your personal information to law enforcement, government authorities, regulators, or private parties as necessary to comply with legal obligations or for the compliance and protection purposes described above.

Mobile information (such as your phone number) is not shared with third parties or affiliates for their own independent marketing or promotional purposes. We may share such information with service providers that send or support text messages on our behalf and are contractually required to use the information only to provide services to us, consistent with applicable law.

Text messaging originator opt-in data and consent are used only for the specific text messaging program for which you enrolled and are not shared with third parties for their own independent marketing purposes.

Your choices regarding your information

You have several choices regarding the use of your information in connection with the Services.

Updating your information

You may access, update, or correct certain information through your account settings. For additional requests, please contact us using the information in the “Contact Us” section below.

Communications preferences

You may update your preferences for receiving emails or text messages by contacting us or by following applicable unsubscribe instructions included in our communications. Certain communications, such as those related to authentication, transactions, or fraud prevention, are necessary to provide the Services and cannot be opted out of.

Device and Technology Choices

Cookies. Most web browsers allow you to control cookies through browser settings. If you disable cookies, some features of the Services may not function properly. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.

We may also provide a cookie banner or cookie management tool that allows users to manage certain non-essential cookies.

Do not track signals. Some web browsers transmit “Do Not Track” signals. There is currently no industry standard for responding to these signals, and we do not respond to them at this time.

Location data. You may withdraw consent for the collection of precise location data at any time through your device settings. Doing so may limit the availability of certain features of the Services.

Email web beacons. Most email clients allow you to disable automatic image loading, which may limit the use of web beacons.

Safeguards and retention

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information in our custody or control against accidental or unlawful destruction, loss, alteration unauthorized access, or disclosure. We recommend using secure communication channels when sharing sensitive or confidential information with us.

We retain personal information for as long as necessary to provide the Services and to comply with applicable legal, regulatory, and record-retention requirements. Information is securely destroyed in accordance with record-retention requirements.

Links to other sites

The Services may contain links to third-party website or applications that are not operated by TFCU. These links are provided for convenience only and do not constitute endorsement. We are not responsible for the privacy practices or content of third-party sites. This Online Privacy Notice does not apply to those sites, and we encourage you to review their privacy disclosures.

Children’s privacy

Our general website and online banking services are not directed to children under the age of 13 without verifiable parental consent, except as otherwise permitted by law. In connection with youth-related products or services, personal information about a child is collected and used only with the authorization of a parent or legal guardian and for the purpose of providing the requested services.

To the extent that we use third-party service providers to support youth-related products or features, those providers are contractually required to comply with applicable children’s privacy laws, including the Children’s Online Privacy Protection Act (COPPA), as applicable.

Parents or legal guardians may review, update, or request deletion of their child’s personal information and may refuse further collection or use of such information by contacting TFCU.

For additional information, please review our Kids’ Privacy notice.

Updates to this Online Privacy Notice

This Online Privacy Notice may be revised from time to time. If we make material changes, we will post an updated version through the Services with a new revision date. Your continued use of the Services after the effective date of an updated notice indicates your acknowledgment of the changes.

Contact us

If you have questions or concerns about this Online Privacy Notice or our data practices, or if you wish to report a security concern, please contact us at:

Email memberservices@tinkerfcu.org

Mail:

Tinker Federal Credit Union
Attn: Member Services
P.O. Box 45750
Tinker AFB, Oklahoma 73145


Last Updated: Apil 20, 2026

The information and materials contained in these pages, and the terms, conditions and descriptions that appear, are subject to change without notice. Copyright in the pages and in the screens displaying the pages, and in the information and materials therein and in their arrangement, is owned by Tinker Federal Credit Union, unless otherwise indicated. No one has permission to copy or republish any information found on this website and any pages thereof, unless otherwise indicated. Information from this website is invalid unless it is read and is presented in its entirety.

Transaction Receipts

You understand that certain receipts for transactions may contain nonpublic personal information about your account. If you authorize a person who is not on your account to transact business on your account, you authorize us to provide such person with any information that would be given to you as a result of whatever business they transact on your behalf.

Website Privacy Policies

TFCU is committed to protecting the privacy of its members and other users of its website. We have adopted the following privacy policy for your protection:

General Website Pages

TFCU collects and stores information on the domain you use to access its website, the web address of the site from which you linked directly to our site, and the date and time of your visit to our site. This information is used to measure the number of visitors to the various pages on the site, to help TFCU make improvements to the information contained on the site, and to better serve our members through special marketing and service programs.

Applications

Only business related information is requested on any TFCU online application. This information is used only for review of qualifications for the loan, account or service for which you are applying. Any information gathered during the application process is not given or sold to third parties.

Online Mortgage Applications

All member information is encrypted with current Transport Layer Security (TLS) encryption algorithms that have been shown to be cryptographically secure. The minimum requirements to view your disclosures electronically are any of the two most recent versions of the following web browsers: Firefox, Google Chrome, Microsoft Edge, or Apple Safari; hardware capable of running this software;
and a printer if you wish to print your disclosures, or the ability to store (save) your disclosures electronically to your computer.

Online Banking, eStatements and Check Images

Any registration information, account information, or account data may be collected when you log into your online banking (e.g., Home Branch) and other online and mobile services. This information enables TFCU to regulate entry and to measure member usage, communication with you, and to answer questions, follow-up on suggestions and complaints, and/or to improve our services to you. All such information is protected and used in accordance with our privacy policy. Online banking (e.g., Home Branch) is a secured site and requires a current browser. Some areas of online banking (e.g., Home Branch) may require the use of Adobe Reader.

Email

Personal information contained in email sent by members and non-members may be used by TFCU staff to answer questions, to follow up on suggestions or complaints, or to improve the level of service TFCU provides. Please be advised that email may not be secure against interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information, you may want to call the Member Service Center, start a conversation within Home Branch, or use our Live Chat feature.

Cookies

As part of our online banking (e.g., Home Branch) and other online services we make use of ‘cookies’ to track usage and compile statistics about our website and online services, and during an online service session to uniquely identify your information. Cookies are small files that are transferred to your computer’s hard drive through your web browser. In the future, cookies may be used to allow members to set preferences and personalize our website. You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.) However, a cookie is required in order to use the online services. If you have any questions about TFCU’s website privacy policy, email us at memberservices@tinkerfcu.org or contact our Member Service Center at 405-732-0324, option 6, or 1-800-456-4828, option 6.

Member Privacy Policy

Because Your Trust Is So Important

Download a PDF copy of our Member Privacy Policy

Children’s Privacy

We do not knowingly collect personal information from minors. We restrict the personal information we collect about children to the information their parents or guardians provide to open an account in their name or designate them as beneficiaries on an account.

FACTSWHAT DOES TINKER FEDERAL CREDIT UNION 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 transaction or loss history.
  • Account balances and payment history.
  • Credit history and credit scores.
How?All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Tinker Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information.Does Tinker Federal Credit Union 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.

YesNo

For our marketing purposes –
to offer our products and services to you.

YesNo
For joint marketing with other financial companies.YesNo
For our affiliates’ everyday business purposes –
information about your transactions and experiences.		YesNo
For our affiliates’ everyday business purposes –
information about your creditworthiness.		NoWe don’t share
For our affiliates to market to you.YesYes
For nonaffiliates to market to you.NoWe don’t share
To limit our sharing.
  • Mail the form below

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?Call toll-free 800-456-4828 or go to www.tinkerfcu.org.
Mail-in Form 
 Mark any/all you want to limit:
  • Do not allow your affiliates to use my personal information to market to me.

Name:
Address:
City, State, ZIP:
Account#:

Mail to:

Tinker Federal Credit Union, Attn: Mail Room
P.O. Box 45750
Tinker AFB, OK 73145-0750

What We Do 
How does Tinker Federal Credit Union 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Tinker Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or provide employment information.
  • Apply for a loan or show your driver’s license.
  • Use your credit or debit card.

We also collect your personal information from others, such as credit bureaus, affiliates, 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. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.
Definitions 
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include financial companies such as: Tinker Financial Services, LLC (aka TFCU Financial Advisors).
Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Tinker Federal Credit Union 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 companies and credit card companies.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.