Terms of Use

Cookies and Online Technologies

A cookie is a small piece of information that a website stores directly on your computer.

TEG Federal Credit Union and its service providers use cookies and similar technologies to operate and secure the website, improve functionality and performance, analyze website usage, support marketing and advertising activities, enhance and personalize the user experience, and present relevant products and services.

These technologies may collect information such as browser type, device information, operating system, pages visited, referral sources, website interactions, date and time of visits, and general geographic location derived from IP address.

In some circumstances, information voluntarily submitted through website forms, applications, or other website interactions may be associated with information collected through cookies and similar technologies.

For additional information about our use of cookies and similar technologies, please review our Cookie Policy.

Disclaimer of Warranties and Website Content

This website and all information, services, content, materials, and products available through it are provided on an “as is” and “as available” basis. The content of this website’s pages is for your general use and knowledge. While TEG Federal Credit Union strives to provide accurate and current information, we make no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, availability, timeliness, security, or suitability of the website or its content.

Information on this website may contain inaccuracies, typographical errors, or outdated content. Use of this website and its content is at your own risk.

Electronic Communications and Email Security

Communications transmitted over standard internet email are not secure and may be intercepted, delayed, lost, altered, or accessed by unauthorized parties. You should never provide sensitive or confidential information through unsecured email, including your Social Security number, account number, debit card or credit card information, password, PIN, authentication codes, or other sensitive personal or financial information. TEG Federal Credit Union is not responsible for information transmitted through unsecured electronic communication channels.

Governing Law and Jurisdiction

Your access to and use of this site and these Terms of Use shall be governed by and construed in accordance with applicable federal law and the laws of the State of New York. Any legal action or proceeding arising out of or relating to your access to and use of this site, this website, or these Terms of Use shall be brought exclusively in a court of competent jurisdiction located in Dutchess County, New York.

Intellectual Property Rights

Unless otherwise indicated, all website content, features, and functionality—including information, software, text, images, graphics, logos, icons, audio, video, design, selection, arrangement, and other materials—are owned by or licensed to TEG Federal Credit Union or its respective licensors and protected by applicable copyright, patent, trademark, and other intellectual property laws.

You may download or print website materials solely for personal, noncommercial reference, provided all copyright, trademark, and proprietary notices remain intact. Except as expressly permitted, you may not copy, imitate, reproduce, modify, distribute, display, transmit, publish, sell, license, or otherwise use any content without TEG Federal Credit Union’s prior written permission. Permission requests may be emailed to marketing@tegfcu.com.

Limitation of Liability

To the fullest extent permitted by law, TEG Federal Credit Union is not liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of use, data, or profits, arising from your use of, inability to use, reliance on, or the unavailability of this website or its content.

Although TEG Federal Credit Union attempts to keep this website virus-free, it does not guarantee protection from viruses, harmful code, interruptions, unauthorized access, related problems, or third-party linked content, and disclaims liability for them.

Your sole remedy for any website-related damages or dissatisfaction is to discontinue use.

Loan Applications and Financial Services

TEG Federal Credit Union offers online financial services and may help facilitate credit decisions for members based on credit history, current financial information, and other relevant factors.

When you apply for a loan or service, we collect and use information reasonably needed to process your request and evaluate eligibility, such as contact information, Social Security number, date of birth, income, employment, and other relevant financial information. All loans and services are subject to approval, underwriting, verification, and applicable policies.

As permitted by law, we may also request and use consumer reports and related information from national credit reporting companies, including Equifax, TransUnion, and Experian, to further evaluate your application.

Monitoring and Security

This website and its supporting systems are the property of TEG Federal Credit Union. To protect the security, integrity, and operation of its systems, members, and services, TEG Federal Credit Union may monitor, review, record, and audit website activity. By accessing or using this website, you consent to such monitoring and auditing and acknowledge that there is no expectation of privacy for activity conducted on publicly available portions of this website.

No Unlawful or Prohibited Use

You agree to use this website only for lawful purposes and will not use it for any unlawful, unauthorized, or prohibited purpose, including attempting unauthorized access to TEGFCU systems, accounts, computers, or networks; bypassing security controls; misusing credentials; interfering with operations; using automated tools to scrape or harvest information; uploading malicious code; misrepresenting your identity; or altering, damaging, or changing website content or systems.

Unauthorized use or attempts to upload or change information on this website are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec. 1001 and 1030. TEG Federal Credit Union reserves all rights and remedies under applicable law.

Not Financial, Tax, or Legal Advice

The information contained on this website is provided for general informational purposes only and does not intend to provide personal financial, investment, accounting, tax, insurance, business, or legal advice. You should consult qualified financial, tax, insurance, and legal advisors regarding your specific circumstances before making financial or legal decisions.

Privacy Practices

Protecting personal and financial information is one of TEG Federal Credit Union’s highest priorities. We value your trust and are committed to safeguarding the information of our members and website visitors and handling personal information with care.

Our collection, use, sharing, retention, and protection of personal information are governed by our Privacy Policy and Privacy Notice. By using this website, you acknowledge and agree to those practices. Information provided through this website may be used to respond to requests, service accounts, process applications, provide products and services, and communicate information that may be relevant to your relationship with TEG Federal Credit Union.

This website may utilize third-party service providers to support website functionality, accessibility, analytics, security, marketing, and other operational activities.

For additional information about how we collect, share, protect your personal information, and track your website interactions please review our Privacy Notice and Cookie policies.

Privacy of Children’s Information

This website is not directed to children under age 13, and TEG Federal Credit Union does not knowingly collect personal information from children through this website except as permitted by applicable law.

Online information entered by children under age 13 will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent. If online information is collected from a child under age 13, TEG Federal Credit Union will provide prior parental notice and obtain parental consent as required by law, including an opportunity for the parent or guardian to prevent use of the information and the child’s participation in the related activity.

A parent or guardian may submit a written request to review personally identifiable information collected online from their child, request deletion of that information, and instruct TEG Federal Credit Union to stop collecting further information from their child.

TEG Federal Credit Union will not encourage a child to provide more information than is reasonably necessary to participate in a game, prize, or similar activity.

Termination and Access Restriction

At its sole discretion, TEG Federal Credit Union reserves the right to restrict, suspend, revoke, or terminate any or all access and use authorizations granted to site visitors, all or part of this website, or related services at any time and without prior notice. TEG may also suspend access to digital services due to inactivity, security concerns, maintenance needs, suspected fraud, or violations of these Terms of Use.

Upon termination of TEG Federal Credit Union Online Banking or affected services, your right to use those services immediately ceases.

Third-Party Websites, Services, and Links

This website may contain links to third-party websites, applications, products, services, or resources, such as mortgage or insurance companies, for your convenience. TEG Federal Credit Union does not own, control, endorse, or assume responsibility for the content, products, services, privacy practices, security practices, availability, relevance, timeliness, or accuracy of information contained on third-party websites.

Privacy and security policies on non-TEGFCU websites may differ from those of TEGFCU. When you leave the TEG website, you are subject to the terms, conditions, and privacy practices of the third party. We strongly suggest you review those policies before providing any personal, financial, confidential, or non-public personal information.

TEG Federal Credit Union welcomes links to its site. You are free to create a link to TEGFCU’s website if the link does not state or imply any sponsorship, endorsement, or affiliation with TEG Federal Credit Union. We request a courtesy notification via email to marketing@tegfcu.com before your link to our site.

Updating Your Information

You agree to provide us with a true, accurate, and complete email address and other contact information related to the Online Services and your TEG Federal Credit Union accounts. You must promptly notify us of any email or mailing address change. You may update your contact information on record for you in digital banking or contact us at 845-452-7323.

Website Content

The content of this website’s pages is for your general use and knowledge. Although we strive to provide accurate information, it might include technical inaccuracies, typographical errors, and out-of-date data. Neither we nor any third parties provide any warranty or guarantee regarding the timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. Use of all materials contained in this website is at your own risk. Content changes are made without notice and as timely as possible.