Privacy Policy

Your Credit Union is committed to providing you with financial products and services to meet your financial needs and help you reach your financial goals. We are required by law to give you this privacy notice. If you have any questions after reading this notice, please contact us at 412.461.5100.

Following is a description of the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct the business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

Information We Collect About You 

We collect information about you from the following sources:

• Information we receive from you on applications and other forms 
• Information about your transactions with us and others 
• Information we receive from a credit reporting agency 
• Information obtained when verifying the information you provide on applications and other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions. We may disclose all of the information we collect, as described above. 

Parties Who Receive Information From Us 

We may disclose nonpublic personal information about you to the following: 

• Financial companies, such as insurance companies and mortgage service companies 
• Non-financial companies, such as consumer reporting agencies and retailers. 

Disclosure of Information to Parties that 
Provide Services to Us 

We may disclose all of the information we collect, as described above to the companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide. As a result of these arrangements, we may disclose all of the information we collect, as described earlier. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize or to protect the security of our financial records.

Disclosure of Information About Former Members 

If you decide to terminate your membership with Financial Advantage Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How to Stop or "Opt Out" of Certain Disclosures 
About You 

If you prefer that we do not disclose nonpublic personal information about you to non-affiliated third parties, you may direct us not to make those disclosures, other than disclosures permitted or required by law. If you wish to opt out of disclosures to non-affiliated third parties, please call 412.461.5100.

You may opt out of these disclosures at any time. Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later receive your opt out election. Note that this opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other financial institutions which we endorse and that have joint marketing agreements with us.

How We Protect Your Information 

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help 

Financial Advantage Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, personal identification numbers (PINs) and passwords. Never keep your PIN with your debit or credit card. That can provide free access to your accounts if your card is lost or stolen. 
  
• Use caution when disclosing your account numbers and social security numbers to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should be aware that credit union staff have access to your information and will not need to ask for it. 
  
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know. 

 

History    What's New    Privacy Policy    Staff    Current Newsletter

About Us Products & Services Rates
Membership Contact Us  Links  Home Site Map