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More Disclosures |
Disclosures | Privacy PolicyConfidentiality of Member InformationOVERVIEWFranklin Mint Federal Credit Union (FMFCU) is committed to protecting our members' privacy. It is the policy of FMFCU to hold member information in confidence, subject to applicable legal requirements and standards. FMFCU does not sell member information to non-affiliated third parties.
ACCURACY OF INFORMATIONFMFCU will take reasonable precautions to protect the accuracy and reliability of your member information; however, you are responsible for updating your member record from time to time in order to assure its accuracy. FMFCU will respond to your requests to update information on your account as quickly as possible. INTERNAL PROCEDURESAs part of our commitment to protect the confidentiality of your account information, FMFCU employees are informed of their responsibility to protect confidential member information and are bound by this Privacy Policy. Staff may access your account information only when necessary for business reasons. FMFCU has also established appropriate security standards to protect against unauthorized access to member information. WHEN INFORMATION MAY BE SHAREDFMFCU only shares information for legitimate business reasons, with the ultimate goal of bringing you greater convenience and more choices. FMFCU shares member information with its affiliates and certain vendors with whom it has a contractual relationship to provide specific products and services such as ATM/Debit cards, credit cards, check printing and account statements. These are frequently requested services that FMFCU would not otherwise be able to provide. These vendors are prohibited from using member information for any purpose other than that for which they have been contracted. Personal financial information such as your account balance or loan information may be shared under the following circumstances: (1) when such disclosure is in compliance with the law, government agencies or court orders, (2) when a third party is verifying the existence or condition of your account in accordance with applicable law, (3) when necessary to complete a transaction, (4) to protect secured assets or the assets of FMFCU, (5) when you give us your written permission, (6) to share our experience with you to consumer reporting agencies, such as the credit bureaus. NON-DISCLOSURE OF INFORMATION TO AFFILIATESAs a member at FMFCU, you can be confident that the confidentiality of account information is the rule, not the exception. Although information collected in conjunction with a member's account remains the property of FMFCU, members may choose to be excluded from receiving certain marketing materials. Members may choose to "opt out" of receiving offers of goods or services by direct mail, e-mail or telemarketing. Members who "opt out" will continue to receive offers included in member statements. Please note members may not "opt out" of information sharing for non-marketing purposes, as described in this policy. If you wish to "opt out" of receiving offers of goods or services by direct mail, e-mail or telemarketing, please put your request in writing and send it to: Franklin Mint Federal Credit Union Your request must include your account numbers, and should be signed. One account owner's request will be considered binding for the purposes of opting out, or opting back into FMFCU's affiliate programs. Opting out of FMFCU's affiliate program will not eliminate information or solicitations from outside sources. If you would like to reduce the amount of advertising you receive from other companies, contact the Direct Marketing Association and have your name added to the Association's Mail Preference Service list of consumers who do not wish to be contacted by mail or via telephone for marketing purposes. Remember to include your name, address, and telephone number in your written request. Also provide all spellings and possible variations of your name, as well as the names of other persons living at your address. Be sure to sign and date your letter. Mail Preference Service The Direct Mail Marketing Association will retain your information for five years. At the end of that time, you will again have to submit your request to have your name added to the no-contact list. OBTAINING INFORMATION FROM AFFILIATESFMFCU may purchase consumer information from reputable companies to assist us in our marketing efforts. Upon request FMFCU will provide the source of this information to interested parties. PRIVACY ON THE INTERNETFMFCU uses firewalls that are designed to protect your accounts from unauthorized access from outside the credit union. FMFCU uses a cryptographic (digital certificate) key to secure account information sent between our server and your browser. Whenever you use FMFCU Online Home Banking our server responds to your transmission by sending this key that is authenticated by your browser. This communication key encrypts the data sent by you and FMFCU decrypts it when we receive it. Online banking will also "timeout" after a specified period of inactivity. This prevents persons from continuing your home banking session in case you have left your PC unattended. You may set the timeout period in the User Options screen of online banking. It is also important to verity that only authorized persons log into home banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data base. We allow you to enter your password incorrectly five (5) times. If you enter your password incorrectly five times, your online banking account will be locked until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity. You play a crucial role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are: Birth dates, first names, pet names, addresses, phone numbers, etc. Never reveal your password to another person. You should periodically change your password in the User Option screen of online banking, including the blending of upper and lower case lettering. Our Web Site contains links to other sites. FMFCU is not responsible for the privacy practices or the content of such Web Sites. AVAILABILITY OF POLICYFMFCU is proud of its commitment to member confidentiality, and will make this policy available to any consumer requesting it. FMFCU will also post the policy on its Internet home page. DISCLAIMERThis policy does not address every possible contingency and circumstance and is intended to provide guidance to FMFCU management and members and is not intended to create enforceable legal rights by any individual. FMFCU does not bear any responsibility for any actions or policies of third party affiliates or non-affiliates. Exceptions to this policy may be authorized by FMFCU President, Board of Directors and Chairman of the Supervisory Committee. FMFCU reserves the right to change this policy at any time, with or with out notice. COMPLAINTSBecause of FMFCU's high commitment to confidentiality of member information, complaints relating to this policy, or FMFCU's perceived non-compliance with the policy, should be forwarded directly to FMFCU's Chief Executive Officer or to a member of FMFCU's Supervisory Committee for prompt consideration. FMFCU's CEO can be reached by calling FMFCU at: (610) 325-5000. Correspondence directed to FMFCU's Supervisory Committee should be addressed to: Supervisory Committee |
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Copyright © 2008 FMFCU. All Rights Reserved. Federally Insured by NCUA.
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