Rev: 6/2016
What does FD Community 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:
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Social Security number and income
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Account balances and payment history
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Credit history and credit scores
When you are no longer our member, we continue to share your information as described in this notice.
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 FD Community Federal Credit Union chooses to share; and whether you can limit this sharing.
|
Reasons we can share your personal information |
Does FD Community 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. |
Yes |
No |
|
For our marketing purposes to offer our products and services to you. |
Yes |
No |
|
For joint marketing with other financial companies |
No |
We Don’t Share |
|
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 non-affiliates to market to you |
Yes |
Yes |
|
To limit our sharing |
Call 203-753-9201, select option 3 for Member Services.
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 our 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 203-753-9201 or go to www.fdcommunityfcu.org |
Page 2.
What we do
How does FD Community 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.
How does FD Community Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
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Open an account or deposit money
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Pay your bills or apply for a loan
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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
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Affiliates from using your information to market to you
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Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
iOS, Android and Google Apps:
FD Card Manager and FD Community FCU periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
FD Community Federal Credit Union has no affiliates.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
FD Community Federal Credit Union does not share with non-affiliate companies so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurance product providers.