WHAT DOES FRANKLIN JOHNSTOWN FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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.
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 account transactions
All financial companies need to share member’s personal information to run their everday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Franklin Johnstown Federal Credit Union chooses to share: and whether you can limit this sharing.
|Reasons we can share your personal information||Does Franklin Johnstown Federal Credit Union 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 inverstgations, 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 experienses||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||Yes||Yes|
To limit our sharing
If you are a new customer, we can begin sharing your information 30 days from the date this notice is received. When you are no longer our 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 814-262-9117 or 814-539-5697
Who we are
Who is providing this notice?
Franklin Johnstown Federal Credit Union
What we do
|How does Franklin Johnstown Federal Credit Union portect 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 Franklin Johnstown Federal Credit Union 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, consumer reporting companies, 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.|
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
|■ Franklin Johnstown Federal Credit Union has no affiliates|
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
|■ Franklin Johnstown Federal Credit Union shares information with nonaffiliates so they can market to you.|
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
|■ Our joint marketing partners include plastic card processors, check printing companies and insurance companies|