Privacy and Security
Site Privacy Notices and Disclosure Statements
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
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.
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:
or in writing to:
4664 East 71st Street, Cuyahoga Hts. OH 44125
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.
Patriot Act Disclosure
Identity Verification Notice – USA Patriot Act
USA Patriot Act: The purpose of this law is to help protect you, your family, and our country from terrorism by preventing terrorist financing. We want you to know that section 326 of this Act requires our credit union to verify the identity of members and nonmembers added as signatories to and have access to new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.
If you are an existing member who joined the credit union before the USA Patriot Act rules became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.
We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identification policies.
Online Privacy Act Disclosure
We use a protection mechanism on our website known as a firewall to protect our computer systems and your information. Firewall is a general term for a device that is used to prevent unauthorized access to or from a private network. When you pass through the firewall, your IP (Internet Protocol) address is stored for security and tracking purposes. This IP address does not personally identify you, but allows communications on the Internet to be performed in a uniform and organized manner. The firewall uses the IP address to ensure our website is only accessed from valid sources.
Secured and Unsecured Sites
Encryption transforms data into an unreadable format. A secured site is one that uses 128-bit encryption and Secure Sockets Layer (SSL) technology to transmit information between you and Firefighters Community CU. SSL ensures information remains confidential. Encrypted, or scrambled, information effectively prevents anyone from intercepting and reading any information about you. Please note that this encryption takes place only when you use your web browser from a secured site.
An unsecured site does not utilize SSL technology or encryption. Information sent to or received from an unsecured site can potentially be intercepted by anyone. When sending e-mail, you should not include personal information if you are sending it from an unsecured site.
Internet Web Browsers
An Internet browser allows access and the ability to navigate information and service resources on the Internet. Most computers come with a browser already installed. Always update your browser when new versions are released since the updates often include new security features. To protect your information and take full advantage of Secure Sockets Layer (SSL) technology, we recommend that you use a secure browser with a strong encryption technology such as Netscape Communicator® or Navigator®, download these browsers directly from Netscape or Microsoft.
Firefighters Community CU Internet
Firefighters Community CU Online Banking, eStatements, and Bill Payment
Our Firefighters Community CU Online Banking site is a secured site. E-Statements and Bill Payment are accessed through Firefighters Community CU Online Banking. Access to your account information using Firefighters Community CU Online Banking is protected using multilayered authentication during the sign-in process. Authentication consists of your user name and a password. To further protect you, a timeout feature is used. This feature will automatically sign you out of Firefighters Community CU Online Banking after an extended period of inactivity. We recommend that you complete your online transactions and Exit (Sign Off Secure Site) before going to other sites or turning off your personal computer. We also suggest that you do not go to other sites during your online banking session. Failure to Exit could endanger the security of your information by potentially allowing others using the same computer to access information saved or cached in the memory of the browser.
Loan Applications and Membership Applications
Our Loan Application and Membership Application features are on a secured site. To protect you when entering application information, a timeout feature is used. This feature will automatically sign you out of the application feature after an extended period of inactivity.
We recommend that you complete your application session before going to other sites. We also suggest that you do not go to other sites during your application session. Failure to complete the application session could endanger the security of your information by potentially allowing others using the same computer to access information saved or cached in the memory of the browser.
Our Firefighters Community CU Internet site is an unsecured site for e-mail. Our Firefighters Community CU Online Banking site is a secured site for Secured Messages (e-mail). There are instances where you may send us an e-mail for a request and elect to provide us with information such as your name, mailing address, and/or e-mail address. Sending information is always your option and this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.
We ask that you do not send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to us via postal mail or you may call us or visit one of our financial centers. If we respond to you via e-mail, we will not include any of your personal information unless we send the e-mail through our secured site.
Online Surveys and Drawings
We may conduct online surveys and drawings. Your survey responses will improve our understanding about your needs so that we can improve the products and services that we offer. If you complete a survey, you are transmitting the information that appears to you in the survey. You never transmit information that you do not enter yourself. All information in the survey is used for internal purposes only. We may conduct a drawing in association with a survey or a promotion. If we do, we will ask for your name and contact information (such as your telephone number or e-mail address) so that we can notify you if you are a winner. Participation in surveys or drawings is always voluntary.
Aggregation websites are Internet websites that allow you to consolidate account information from several sources on one site. To do this, an aggregation provider may request access to your information. You should ensure that the aggregator company has appropriate policies to protect the privacy and security of any information you provide or to which they are gaining access, and that you trust the aggregator company. If you provide information about your Firefighters Community CU accounts to an aggregator company, we will consider that you have authorized all transactions initiated by an aggregation site using access information you provide, whether or not you were aware of a specific transaction.
Links from the Firefighters Community CU website to Other Websites
Some links used on our Website pages will take you outside our Website. Although these links were established to provide you with access to useful information, we do not control and are not responsible for any of these websites or their contents. We do not endorse or make any representations about using such third-party websites or any information, software, or other products or materials found there, or any results that may be obtained from using them. We are not liable for any failure of products or services advertised on linked websites. If you decide to access any of the third-party websites linked to the Firefighters Community CU Website, you do so entirely at your own risk. We are not responsible for the security or privacy practices of the linked websites. We urge you to review the privacy policies of each of the linked websites you visit before you provide them with any personal information. Links to these websites from the Firefighters Community CU Website may be discontinued by us at our sole discretion at any time for any reason.
Steps You Can Take to Protect Your Information and Prevent ID Theft
- Protect your account number, Social Security Number, credit card numbers, PIN, password, access numbers, and other personal information.
Never divulge this kind of information unless you initiate the contact with a person or a company you know and trust. Do not provide personal or credit card information on the telephone unless you initiated the call. If someone calls you, explains the call is on behalf of the Credit Union, and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it. Do not write your personal information in a place where others can view it. Never keep your PIN with your debit or credit card. Doing so could allow access to your accounts if your card is lost or stolen. Use your own computer to access any online service where you are required to enter your user name and a password, or use your credit card. Other computers may have programs installed on them that capture your information. Be careful if you are using your computer on an unsecured wireless network, especially if you are in a public area. Use a strong password and change it regularly.
- Limit the information you carry.
Do not carry more checks, credit cards, or other banking items than you expect to need. Do not carry your Social Security Number in your wallet or have it preprinted on your checks. Choose passwords and Personal Identification Numbers (PINs) that will be hard for someone else to figure out – do not use your birth date, anniversary date, or home address, for example. Do not keep this information on or near your checkbook, ATM card, or Debit/Credit card.
- Protect your mail.
Promptly remove mail from your mailbox after it has been delivered. If you are going to be away, have your mail held at your local post office or ask someone you know and trust to collect your mail. Deposit sensitive outgoing mail in one of the Postal Services’ blue collection boxes, hand it to a mail carrier, or take it to a post office instead of leaving it in your home mailbox.
- Keep information secure in your home.
Safely store extra checks and credit cards, documents that list your account information, and similar valuable items. Destroy pre-approved credit offers, receipts, and other information that could link your name to your account numbers. “Dumpster divers” pick through garbage looking for financial information.
Privacy of Children’s Information Disclosure
Consistent with the Federal Children’s Act of 1998, FFCCU will not collect, use or disclose online information received from children under age 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent use of information and participation in the activity. Online information will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent. The Credit Union will not distribute to third parties, other than its affiliate, personally identifiable information without prior parental consent. The Credit Union will not post or otherwise distribute personally identifiable information without prior parental consent. The Credit Union will not entice by the prospect of a special game, prize or other activity, to divulge more information than is needed to participate in the activity. Personally identifiable information collected online from their children may be reviewed by a parent or guardian upon written request. The parent or guardian has the right to have information deleted and instruct the Credit Union to cease collecting further information from their child.