WHAT DOES FRANKLIN MINT FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how personal information is shared. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell members how we collect, share, and protect their personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depends on the product or service members have with FMFCU. This information can include:
- Social Security number and Credit History
- Payment History and Transaction History
- Income and Account Balances
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, reasons financial companies can share their customers’ personal information and the reasons FMFCU chooses to share member information, and whether this sharing can be limited, is outlined.
|Reasons We Share Your Personal Information||Does FMFCU Share?||Can you limit 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
|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||Yes||No|
|For our afﬁliates’ everyday business purposes— information about your creditworthiness||No||We do not share|
|For our afﬁliates to market to you||No||We do not share|
|For non- afﬁliates to market to you||No||We do not share|
Who is providing this notice?
Franklin Mint Federal Credit Union; also referred to as FMFCU.
How does FMFCU protect my personal information?
To protect personal information from unauthorized access and use, security measures are used that comply with federal law. These measures include computer safeguards and secured files and buildings.
FMFCU regularly evaluates its information security controls, trains employees, educates members, and enhances controls, as needed to protect your information.
How does FMFCU collect my personal information?
Personal information is collected, for example, when you:
- Open an account or provide identification.
- Pay your bills or use your debit card.
- Complete deposits or withdrawals or apply for a loan.
- We also collect your personal information from others, such as credit bureaus or affiliates.
Why can’t I limit all sharing?
Federal law gives members the right to limit only:
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness.
- Affiliates from using your information in marketing efforts.
- Sharing for nonaffiliates’ marketing efforts.
- State laws and individual companies may give you additional rights to limit sharing.
Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include State Financial Network, CU Settlement, CUSO Financial Services, L.P. and CU Realty Services.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies. FMFCU does not share personal information with nonaffiliates.
Joint marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to consumers. Our joint marketing partners include categories of companies such as insurance companies, credit card companies, and other financial service providers.
Rev. March 2013
If you have any questions, please contact us at: 610-325-5100 or (800) 220-3193 (outside of PA) or write to:
Privacy Compliance Officer
Franklin Mint Federal Credit Union
5 Hillman Drive, Suite 100
Chadds Ford, PA 19317-9998