Privacy

Financial Resources Federal Credit Union is committed to protecting the privacy of our members' financial records consistent with state and federal laws. You can feel confident knowing that your financial privacy is a priority of your credit union. The purpose of this Privacy Policy is to explain how we collect, use and safeguard your personal financial information. If you have any questions after reading this policy, please contact us at 800.933.3280, press 4.

FACTS

WHAT DOES FINANCIAL RESOURCES 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 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 nonaffiliates to market to you

No

We don't share

Who We Are

Who is providing this notice?

Financial Resources Federal Credit Union
520 US Highway 22 East, Bridgewater, NJ 08807

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.

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 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • We presently do not have any wholly-owned affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include securities, insurance, and 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.

Revision Date 12/2014

For a printable version of the Financial Resources Federal Credit Union Privacy Policy click here.