PRIVACY NOTICE &
DISCLOSURE STATEMENT
The protection of our members' privacy and the safekeeping of confidential information is of the utmost concern to the Firefighters Community Credit Union (FFCCU).
It is FFCCU's intent to comply with all applicable laws and regulations concerning the treatment of both member and non-member information, and educate our members and consumers as to their privacy rights under law. Furthermore, FFCCU will maintain strong security controls to ensure that member and/or consumer information in our files and computers is protected.
FFCCU collects non-public personal information about you from the following sources:
- Information we receive from you on membership and loan applications and other forms, including electronic forms (www.ffcommunity.com);
- Information about your transactions with us or others;
- Information we receive from a consumer reporting agency; and
- Information obtained when verifying the information you provide on an application or other form, such as from your current or past employer(s).
INFORMATION SHARED WITH AFFILIATES & THIRD PARTIES
FFCCU will not sell non-public personal information on its members to any third party. The Credit Union will only release information under the following guidelines:
- Member(s) request
- When required by court order or subpoena
- When permitted or required by Federal, State, County or Municipal law and regulations
- When the Credit Union contracts with third party service providers and joint marketers to promote or provide services to our members
- To a processor and/or servicer in order to effect, administer, or enforce a transaction
- To protect the Credit Union's interests
SECURITY & CONFIDENTIALITY
As part of FFCCU's commitment to protect the confidentiality of member account information, the Credit Union will establish procedures for periodically training staff on the importance of member privacy and the Credit Union's privacy policy. Staff will only be permitted to access member and/or consumer account information when necessary for business reasons. Finally, FFCCU will establish and maintain appropriate physical, electronic, and procedural security standards to protect against unauthorized access to members and/or consumers non-public personal information.
RESERVATIONS OF RIGHTS
FFCCU reserves the right to disclose member and/or consumer non-public personal information to non-affiliated third parties and to change this policy at any time.
OPT OUT
A member and/or consumer has the right to Opt Out of the disclosure of non-public personal information by the Credit Union to non-affiliated third parties that are not exempted under the law. The Credit Union reserves the right to disclose member and/or consumer non-public personal information to all non-affiliated third parties that are Joint Marketers/Process Servers, Processors and Servicers, or entities permitted or required under the law to receive information from FFCCU. These third parties do not afford the member and/or consumer the opportunity to opt out of the disclosure of non-public personal information by the Credit Union to these entities. Companies that perform services on our behalf (such as check printers), other financial institutions with whom we have joint marketing agreements, companies necessary to process or service your account, or third parties to whom disclosure is permitted or required by law (such as the Credit Union's auditors and examiners) all fall within our exemptions under the Federal law. Where the third party is not an exempted third party, the member and/or consumer has the right to opt out of the disclosure and may exercise this right by calling:
800-621-4644
or in writing to:
2300 St. Clair Ave, Cleveland, OH 44114
If an account is jointly held, either the primary or the joint holder can process an Opt Out request. A member's and/or consumer's Opt Out direction to the Credit Union remains effective until the member and/or consumer revokes it in writing.
