Privacy Policy

Facts: What does Firelands 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 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.
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 Firelands Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Firelands FCU 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	Yes	No
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	No	We don’t share

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 • Use your ATM/debit card • Pay your bills • Apply for a loan • Make a wire transfer • Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus 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 non affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

DEFINITIONS

Affiliates	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
Nonaffiliates	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.
Joint marketing	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.

Image Collection and Usage

Our banking app may collect and utilize user images for various purposes aimed at enhancing user experience and providing specific functionalities. Users maintain control over the camera access and usage within the app. Camera access is explicitly requested when the app requires image capture for any functionality. Users can enable or disable camera access at any time through the app’s settings. Disabling camera access will prevent the app from utilizing the camera for any functionality requiring image capture. We are committed to protecting the privacy and security of our users’ information. Any images collected are used solely for the intended purposes outlined above and are not shared with any unauthorized parties. By using our app, you consent to the collection and usage of images as described in this privacy policy.