FACTS 

 WHAT DOES FLORIDA WEST COAST CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?
 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 how we handle user privacy.
What?

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
  • Account balances
  • Payment history
  • Credit history
  • Credit carod or other debt
  • Checking account information

When you are no longer a 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 Florida West Coast Credit Union chooses to share; and whether you can limit this sharing.

  

Reasons we can share your personal information
Does Florida West Coast 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 investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you No We don't share
For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes - information about your transactions and experiences

 No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
Questions?
 Call 813-643-5572 or go to www.fwccu.com

  

What We Do
  
How does Florida West Coast Credit Union 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Florida West Coast Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Provide employment information
  • Apply for a loan
  • Give us your wage statements
  • Make deposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus, 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. See below for more on your rights under state law.
Definitions

 
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Florida West Coast Credit Union has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Florida West Coast Credit Union does not share 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 insurance companies.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Online Banking users and the FWCCU Mobile Banking app, the fwccu mobile banking app and Pulsate collects the following information:
  • Location - Used for geofencing and beacon scanning essential for advertising/marketing campaign delivery
  • UserID - Pulsate creates a random user GUID upon initial app access, which is later used during every connection with Pulsate. This GUID is unique for each device/app and changes after every app reinstall. This ID is used for identifying a user and sending campaigns.
  • Product Interaction - Pulsate tracks user’s app entry, app exit, and pages viewed within the app, or in the background or when the app is not in use.
  • Name - Puslate collects user’s first name for product personalization purposes.

Rev. 11/2021