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.
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 Income and Account balances
• Transaction history and Payment history and Credit history
• Credit scores and Overdraft history and Account transactions
When you are no longer our member, we continue to share your information as described in this notice.
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 Firelands Federal Credit Union chooses to share; and whether you can limit this sharing.
Questions? Call 1-800-276-5775 or go to www.firelandsfcu.org
WHO WE ARE
Who is providing this notice?
Firelands Federal Credit Union
WHAT WE DO
How does Firelands 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 Firelands Federal Credit Union collect my personal information?
We collect your personal information, for example when you
• Open an account
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
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Our affiliates include: North Coast Business Lending and Area Financial Services
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Firelands Federal Credit Union does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include insurance, checking account, ATM/debit and credit card companies.
Other Important Information
Firelands Cards periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if you expressly authorize 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 your selection. You can change your location permissions at any time in your device settings.