Our
Privacy
Policy
What Financial Resources
FCU shares, who it’s
shared with,
and why.
Revised 3/24/2021
What Does Financial Resources Federal Credit Union D0 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.
Questions?
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 scores
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 Financial Resources Federal Credit Union chooses to share;
and whether you can limit this sharing.
| Reasons we can share your personal information | Does Financial Resources 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 |
Who We Are
Who is providing this notice?
Financial Resources Federal Credit Union
3040 Route 22 West, Building 2, Branchburg, NJ 08876
How does Financial Resources collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or cash card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
What We Do
How does Financial Resources 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.
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 nonaffiliates 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 non-financial companies.
Financial Resources Federal Credit Union affiliates include Financial Resources CUSO, LLC.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates we share with can include securities, insurance & mortgage services, direct marketing and research firms, auditors, consumer reporting agencies and other service providers.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include credit card partners, debit card reward providers, accidental death & dismemberment insurance.
Mobile Application Privacy Policy
The primary service provider for this financial institution’s card alert mobile banking service is with COCC/Fiserv (the Provider). Provider may access personal information while you use its mobile application ‘Card Hub’. Provider may ask for a mobile phone number or email address. Provider will use this contact information to alert you about app-related events or actions that require your attention. If you grant permission to use phone information, the provider will use the phone number to pre-populate forms that expect a personal phone number for contacting. If you grant permission to use your device’s location, the provider will use the data when checking for nearby branch and ATM locations and location of device for location options available within ‘Card Hub’. Provider may collect and store the following information: application version, device system name, device system version and device model for the purpose of internal reporting, troubleshooting and tracking application usage per individual applications and version. By using this Service, you acknowledge and accept that we may collect and use technical data and related information, including but not limited to technical information about your device, system and application software and peripherals, that is gathered periodically to facilitate the provision of updates, product support and other service to you related to the Service. The Service may enable access to financial institution and third-party services and web sites, including GPS locator websites, such as Google. Use of the Service may require internet access and your acceptance of additional terms of those services. In addition to this Mobile Application Privacy Policy, your financial institution maintains an Internet privacy policy covering the person and financial information related to the use of the financial institution’s services and products, including such information that may be gathered through use of this mobile banking service. The full privacy policy can be reviewed above.