Our Privacy Policy

What Does Financial Resources Federal Credit Union D0 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.

What types of personal information does FRFCU collect?

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.

In what circumstances might FRFCU share personal information?

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

For our marketing purposes

To offer our products and services to you or for joint marketing with other financial companies

For our affiliates’ everyday business purposes

We might share information about your transactions and experiences

Reasons we DON’T share

For our affiliates’ everyday business purposes

We won’t share information about your creditworthiness

For our affiliates to market to you

For non-affiliates to market to you

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 cash card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.

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

Who is providing this notice?

Financial Resources Federal Credit Union
3040 Route 22 West, Building 2, Branchburg, NJ 08876

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
Financial Resources Federal Credit Union affiliates include Financial Resources CUSO, LLC.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates we share with can include securities, insurance & 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.