Effective date: March 27, 2019
Franklin Mint Federal Credit Union (“us”, “we”, or “our”) operates the https://www.fmfcu.org website (the “Service”).
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
Service is the https://www.fmfcu.org website operated by Franklin Mint Federal Credit Union
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small pieces of data stored on your device (computer or mobile device).
Data Processors (or Service Providers)
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of Personal Data.
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Cookies and Usage Data
We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking Cookies Data
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
Mobile Banking App Permissions
FMFCU’s Mobile Banking apps may request permission to use companion apps in order for integrated services to function properly for users. These include, but not limited to, Remote Check Deposit, Maps, Secure Message Attachments, and P2P Recipients List.
- Access to External Storage
Use of Data
Franklin Mint Federal Credit Union uses the collected data for various purposes:
- To provide and maintain our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide customer support
- To gather analysis or valuable information so that we can improve our Service
- To monitor the usage of our Service
- To detect, prevent and address technical issues
Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)
Franklin Mint Federal Credit Union may process your Personal Data because:
- We need to perform a contract with you
- You have given us permission to do so
- The processing is in our legitimate interests and it’s not overridden by your rights
- To comply with the law
Retention of Data
Franklin Mint Federal Credit Union will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Disclosure of Data
Disclosure for Law Enforcement
Under certain circumstances, Franklin Mint Federal Credit Union may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Franklin Mint Federal Credit Union may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of Franklin Mint Federal Credit Union
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
Security of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
“Do Not Track” Signals
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
Your Data Protection Rights Under General Data Protection Regulation (GDPR)
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Franklin Mint Federal Credit Union aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights:
The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
The right to object. You have the right to object to our processing of your Personal Data.
The right of restriction. You have the right to request that we restrict the processing of your personal information.
The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
The right to withdraw consent. You also have the right to withdraw your consent at any time where Franklin Mint Federal Credit Union relied on your consent to process your personal information.
Please note that we may ask you to verify your identity before responding to such requests.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en
Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
- By phone number: 484.259.1000
- By mail: 5 Hillman Drive, Suite 100, Chadds Ford, PA 19317
WHAT DOES FRANKLIN MINT 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
- account balances and payment history
- credit history and credit scoresHow?
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers’ personal information, the reasons Franklin Mint Federal Credit Union chooses to share; and whether You can limit this sharing.
|Reasons We Share Your Personal Information||Does the 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||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 DON'T SHARE|
|For Our affiliates to market to You||No||WE DON'T SHARE|
|For non-affiliates to market to You||No||WE DON'T SHARE|
How does Franklin Mint 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 Franklin Mint Federal Credit Union collect my personal information?
We collect Your personal information, for example, when You
- open an account or make deposits or withdrawals from Your account
- apply for a loan or show Your driver’s license
- use Your credit or debit card
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.
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include financial companies such as State Financial Network, LLC., CU Settlement, and CU Realty Services.
Non-Affiliates – Companies not related by common ownership or control. They can be financial and non-financial companies.
- Franklin Mint Federal Credit Union does not share with non-affiliates 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 categories of companies, such as: credit card companies, financial service providers and insurance companies.
Rev. June 2022. Effective July 1, 2022
Questions? Call 610-325-5100 or 800-220-3193 or write to Us at:
Privacy Compliance Officer
Franklin Mint Federal Credit Union
5 Hillman Drive, Suite 100
Chadds Ford, PA 19317-9998