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Firefighters & Company Federal Credit Union
 Twilio Short Code Privacy Policy

The Firefighters & Company Federal Credit Union Texting Services application and the associated Firefighters & Company Federal Credit Union website available at ffcocu.org are owned and operated by Firefighters & Company Federal Credit Union (“us”, “we” or “our”). This Firefighters & Company Federal Credit Union Texting Services privacy policy (the "Privacy Policy") is intended to inform you of our policies and practices regarding the collection, use and disclosure of any information you submit to us through Firefighters & Company Federal Credit Union Texting Services and website and email .This includes "Personal Information," which is information about you that is personally identifiable such as your name, e-mail address, account number, and other non-public information that is associated with the foregoing, as well as "Anonymous Information," which is information that is not associated with or linked to your Personal Information and does not permit the identification of individual persons.

User Consent

By accessing or otherwise using Firefighters & Company Federal Credit Union Texting Services you agree to the terms and conditions of this Privacy Policy and the associated Terms of Service (set forth on ffcocu.org), you expressly consent to the processing of your Personal Information and Anonymous Information according to this Privacy Policy.

Your Personal Information may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding processing of Personal Information may be less stringent than the laws in your country.

Regarding Children

Children under the age of 13 are not permitted to use Firefighters & Company Federal Credit Union Texting Services and we do not intentionally collect or maintain Personal Information from those who are under 13 years old. Protecting the privacy of children is very important to us. Thus, if we obtain actual knowledge that a user is under 13, we will take steps to remove that user's Personal Information from our databases. We recommend that children between the ages of 13 and 18 obtain their parent's permission before submitting information over the internet. By using Firefighters & Company Federal Credit Union Texting Services you are representing that you are at least 18 years old, or that you are at least 13 years old and have your parents' permission to use Firefighters & Company Federal Credit Union Texting Services.

Collection and Use of Information Personal Information

In general, we collect Personal Information that you submit to us voluntarily through Firefighters & Company Federal Credit Union Texting Services. We also collect information that you submit in the process of creating or editing your account and user profile on Firefighters & Company Federal Credit Union Texting Services. When you use the features of Firefighters & Company Federal Credit Union Texting Services, we will collect any information you voluntarily provide, and we may also request optional information to support your use of Firefighters & Company Federal Credit Union Texting Services such as your year of birth, specific account information and other demographic information, etc. We collect information in the form of the content that you submit during your use of Firefighters & Company Federal Credit Union Texting Services such as photos, comments, ratings and other information you choose to submit.

Personal Information from Other Sources

We may receive Personal Information about you from other sources with which you have registered, companies who we have partnered with (collectively, "Partners") or other third parties. We may associate this information with the other Personal Information we have collected about you.

E-mail and E-mail Addresses

If you send an e-mail to us, or fill out our "Contact Us" form through Firefighters & Company Federal Credit Union we will collect your e-mail address and the full content of your e-mail, including attached files, and other information you provide. Additionally, we may use you your email address to contact you, for things such as notifications of related information. You may indicate your preference to stop receiving further promotional communications as further detailed below.

Information Collected Via Technology

As you use Firefighters & Company Federal Credit Union Texting Services certain information may also be passively collected and stored on our or our service providers' server logs, including your Internet protocol address, browser type, and operating system. We also use Cookies and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and viewed, or on which of the advertisements displayed on Firefighters & Company Federal Credit Union Texting Services, Email or Website you clicked. This type of information is collected to make Firefighters & Company Federal Credit Union and the Firefighters & Company Federal Credit Union Texting Services and solutions more useful to you and to tailor the experience with Firefighters & Company Federal Credit Union to meet your special interests and needs.

An "Internet protocol address" or "IP Address" is a number that is automatically assigned to your computer when you use the Internet. In some cases, your IP Address stays the same from browser session to browser session; but if you use a consumer internet access provider, your IP Address probably varies from session to session. For example, we, or our service providers, may track your IP Address when you access Firefighters & Company Federal Credit Union Texting Services to assist with ad targeting.

"Cookies" are small pieces of information that a website sends to your computer's hard drive while you are viewing a website. We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience with Firefighters & Company Federal Credit Union. Persistent Cookies can be removed by following your Internet browser help file directions. In order to use our services offered through Firefighters & Company Federal Credit Union Texting Services, your web browser must accept Cookies. If you choose to disable Cookies, some aspects of Firefighters & Company Federal Credit Union Texting Services may not work properly, and you will not be able to receive our services.

Use and Disclosure of Information

Except as otherwise stated in this Privacy Policy, we do not generally sell, trade, rent, or share the Personal Information that we collect with third parties, unless you ask or authorize us to do so.

In general, Personal Information you submit to us is used by us to provide you access to Firefighters & Company Federal Credit Union Texting Services, to improve Firefighters & Company Federal Credit Union to better tailor the features, performance, and support of Firefighters & Company Federal Credit Union Texting Services and to offer you additional information, opportunities, promotions and functionality from us, our partners or our advertisers at your request.

We may provide your Personal Information to third-party service providers who work on behalf of or with us to provide some of the services and features of Firefighters & Company Federal Credit Union Texting Services and to help us communicate with you. Examples of such services include sending email, analyzing data, providing marketing assistance, processing payments (including credit card payments), and providing customer service. We require our third-party service providers to promise not to use such information except as necessary to provide the relevant services to us. We may share some or all of your Personal Information with our third-party partners, those with whom we have a co-branding or promotional relationship, or other third-parties about whom you are otherwise notified and do not request to opt out of such sharing. This Privacy Policy does not cover the use of your personally identifiable information by such third-parties. We do not maintain responsibility for the manner in which third parties, including, without limitation, social networks, other partners and advertisers, use or further disclose Personal Information collected from you in accordance with this Privacy Policy, after we have disclosed such information to those third parties. If you do not want us to use or disclose Personal Information collected about you in the manners identified in this Privacy Policy, you may not use Firefighters & Company Federal Credit Union Texting Services.

In the event we go through a business transition such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal Information may be among the assets transferred. You acknowledge that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of ours or that acquirer's assets may continue to process your Personal Information as set forth in this Privacy Policy.
We may disclose your Personal Information if we believe in good faith that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on us; or (b) to protect and defend our rights or property, you, or third parties. You hereby consent to us sharing your Personal Information under the circumstances described herein.

The Ability of others to View your Information

Helping you to protect your information is a vital part of our mission. It is up to you to make sure you are comfortable with the information you choose to provide us and the information you choose to publish. You understand that when you use Firefighters & Company Federal Credit Union Texting Services certain information you post or provide through Firefighters & Company Federal Credit Union Texting Services such as your name, profile, comments, posts and ratings, may be shared with other users and posted on publicly available portions of Firefighters & Company Federal Credit Union Texting Services. Please keep in mind that if you choose to disclose Personal Information when posting comments or other information or content through Firefighters & Company Federal Credit Union Texting Services, we recommend that you use caution when giving out personal information to others in public forums online or otherwise.

Third Party Sites and Advertising

Firefighters & Company Federal Credit Union Texting Services may contain links to other websites. Please be aware that we are not responsible for the privacy practices or the content of such other websites. We encourage our users to read the privacy statements of each and every website they visit. This Firefighters & Company Federal Credit Union Texting Services applies solely to information collected by us through Firefighters & Company Federal Credit Union Texting Services and does not apply to these third-party websites. The ability to access information of third- parties from Firefighters & Company Federal Credit Union Texting Services or links to other websites or locations, is for your convenience and does not signify our endorsement of such third-parties, their products, their services, other websites, locations or their content.

Your Choices Regarding Your Personal Information

We offer you choices regarding the collection, use, and sharing of your Personal Information. When you receive promotional communications from us, you may indicate a preference to stop receiving further promotional communications from us and you will have the opportunity to "opt-out" by following the unsubscribe instructions provided in the promotional e-mail/text you receive or by contacting us directly (please see contact information below).

Despite your indicated email preferences, we may send you administrative emails regarding Firefighters & Company Federal Credit Union and Firefighters & Company Federal Credit Union Texting Services including, for example, administrative confirmations, and notices of updates to our Privacy Policy if we choose to provide such notices to you in this manner.

You may request deletion of your Personal Information by contacting us at staff@ffcocu.org, but please note that we may be required (by law or otherwise) to keep this information and not delete it (or to keep this information for a certain time, in which case we will comply with your deletion request, only after we have fulfilled such requirements). When we delete Personal Information, it will be deleted from the active database, but may remain in our archives.

Feedback

If you provide feedback to us, we may use and disclose such feedback for any purpose, provided we do not associate such feedback with your Personal Information without your consent. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy. You agree that any such comments and any email we receive becomes our property. We may use feedback for marketing purposes or to add to or modify our services without paying any royalties or other compensation to you.

Security

We are committed to protecting the security of your Personal Information. We use a variety of industry-standard security technologies and procedures to help protect your Personal Information from unauthorized access, use, or disclosure. Even though we have taken significant steps to protect your Personal Information, no company, including us, can fully eliminate security risks associated with Personal Information.

Contact and Revisions

If you have questions or concerns about our Privacy Policy, please contact us at: staff@ffcocu.org. If we make any substantial changes in the way we use your Personal Information, we will post an alert on this page. If you object to any such changes, you must cease using Firefighters & Company Federal Credit Union Texting Services. Continued use Firefighters & Company Federal Credit Union Texting Services following notice of any such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.