WHAT DOES FINANCIAL CENTER FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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
* Account balances
* Credit history
* Credit scores
* Payment history
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 Finance Center Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
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
For joint marketing with other financial companies
For our affiliates’ everyday business purposes—
information about your transactions and experiences
For our affiliates’ everyday business purposes—
information about your creditworthiness. You can limit this sharing.
For nonaffiliates to market to you. You can limit this sharing.
To limit our sharing
* Call 317.916.7700 - our menu will prompt you through your choice(s)
* Visit us online: www.fcfcu.com
* Mail the enclosed form
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 317-916-7700 or go to www.fcfcu.com
What We Do
How does Finance Center 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 Finance Center Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
* Open an account
* Deposit money
* Pay your bills
* Apply for a loan
* Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account
Companies related by common ownership or control. They can be financial and non-financial companies.
* Our affiliates include:
o Financial companies such as: Financial Center Services, LLC.
Companies not related by common ownership or control. They can be financial and non-financial companies.
* Nonaffiliates we share with can include mortgage companies, insurance companies and direct marketing companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
* Our joint marketing partners include credit card companies and direct marketing companies.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
To limit our sharing, please provide the following information:
*Indicate any/all you want to limit-
*Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
*Do not share my personal information with nonaffiliates to market their products and services to me.
*City, State Zip:
Financial Center Federal Credit Union
PO Box 26501
Indianapolis, IN 46226-0501