Advantage Financial Federal Credit Union is committed to providing you with financial products and services to meet your financial goals. We value your privacy and have strict policies and procedures to protect your information from being disclosed to unauthorized parties. Below is our Privacy Policy which outlines how we and our affiliates treat the information we receive about you. If you have any questions after reading this policy, please contact us at 1.800.822.6875.
Information We Collect About You
Advantage Financial FCU will collect non-public personal information about you from the following sources:
- Membership and loan applications and other forms you complete and provide to us.
- Transactions you conduct with us or our affiliates.
- Consumer reporting agencies, and
- Verification of the information you provide on an application or other form such as from your current or past employers or from other institutions where you conduct financial transactions.
If you choose to use the CardNav Card Controls and Alerts app (part of our mobile banking app) to monitor and control your debit and/or credit card, the app periodically collects, transmits and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. End Users can decide if geolocation information will be monitored on a continuous basis, only while the app is in use, or not at all, depending on the End User’s selection. End Users can change their geolocation permissions at any time using their device settings.
Permissions
If you choose to use certain features of our mobile app, such as Mobile Deposit, you will be asked to allow the app to access your Camera and/or Photos. Other features may request access to your Contact List. Access to either must be expressly authorized by the End User.
Information We Disclose About You
We do not sell any nonpublic personal information we collect about you but we may disclose the information as permitted or required by law. These disclosures typically include information required to process transactions on your behalf, conduct the operations of the credit union, follow any instructions you authorize or protect the security of our financial records. Our commitment to provide you with competitive products and services may require that we share information about you with our affiliates in order to complete your transactions and to provide you with certain financial opportunities. We have entered into agreements with other companies that provide either, services to us or additional financial products for you to consider. These include insurance products, other deposit and loan related products and services, mortgage lending services and financial planning.
Under these agreements we may disclose all the information we collect, as described previously, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not allow these companies to sell the member information we provide to other third parties.
Disclosure of Information about Former Members
If you terminate your membership with the Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Information
We restrict access to non-public personal information about you to those employees who have a specific business purpose to utilize your data. Our employees and officials are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards for your non-public personal information.
What Members Can Do to Help
The 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, PINs (personal identification numbers) and passwords. NEVER keep your PIN with your debit or credit card. This can provide access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, or other private information to other persons. If someone calls you on behalf of the Credit Union and asks for your personal information, you should be extremely cautious. Authorized Advantage Financial Federal Credit Union staff will have access to this information and will not need to ask for it. If you receive such a phone call or email, contact the Credit Union immediately.
- Keep your personal information with Advantage Financial current. It is important that we have current information on how we can reach you. If we detect potentially fraudulent activity or unusual use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
Let us know if you have any questions. Please do not hesitate to contact us — we are here to serve you!
Children's Online Privacy Protection Act (COPPA)
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. The credit union's website is not specifically directed to children under the age of 13, nor is information knowingly collected from them. Online account services are available to children under 13 with the express permission of a parent or guardian.
Advantage Financial FCU will only collect non-personal information as required by federal law from children under age 13 who wish to open an account with the credit union. A parent/guardian must be a joint owner on the account. The information collected and disclosed is that same as for any other member for the credit union as set forth above. Advantage Financial FCU will not collect, use or disclose additional 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/or participation in an 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. In addition, Advantage Financial FCU will not entice children, 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 that is 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.
For additional information on COPPA protections visit the Federal Trade Commission online.
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