Online & Digital Banking Privacy Notice

Online & Digital Banking Privacy Notice

This Online Privacy Notice (the “Notice”) explains how Founders Federal Credit Union and its affiliates (“Founders,” “us,” “our,” or “we”) collects, uses, and discloses your personal information when you interact with any websites and mobile applications (both public and credentialed access) we operate. The term “Online Services” refers collectively to our credentialed access websites (Member Access and Mobile Access) and our mobile application.  In this Notice, the term “Sites” refers collectively to Online Services and our public websites.

This Notice describes how we collect, use, and disclose personal information we receive in connection with your use of the Sites. 
 

Information We Collect 

We may collect personal information when you use our Sites, products, and services. Personal information that we collect may include your:

• Name or other online identifier;
• Home or other physical address;
• Telephone number;
• Email address;
• IP address;
• Website interactions;
• Geolocation;
• Device identifier;
• Biometric data – behavioral biometry including mouse movements, keystroke dynamics;
• Survey or feedback request responses;
• Your communications with us; and
• Information from a consumer report about you. 

Additionally, use of the internet makes it possible for us or other parties to collect data about your online activities over time and across different websites, including when you use our Sites. In that regard, we use tracking technology on our Sites that collects analytics, records how you interact with our Sites, or allows us to participate in behavior-based targeted advertising.

Cookies

We also use cookies on the Sites. Cookies are small files that are stored on your computer by your web browser. A cookie allows the Site to recognize whether you have visited before and may store user preferences and other information. For example, cookies can be used to collect or store information about your use of the Sites during your current session and over time, your computer's operating system and browser type, your Internet service provider, your domain name and IP address, your general geographic location, the website that you visited before the Sites, and the link you used to leave the Sites. If you are concerned about having cookies on your computer, you can set your browser to refuse all cookies or to indicate when a cookie is being set, allowing you to decide whether to accept it. You can also delete cookies from your computer. However, if you choose to block or delete cookies, certain features of the Sites may not operate correctly. 

Pixel tags

A pixel tag (also known as a web beacon, clear GIF, pixel, or tag) is an image or a small string of code that may be placed in an advertisement or email. It allows companies to set or read cookies or transfer information to their servers when you load a webpage or interact with online content. For example, we or our service providers may use pixel tags to determine whether you have interacted with a specific part of our Sites, viewed a particular advertisement, or opened a specific email. 
 

How We Use the Collected Information 

We may use your personal information to:

• Provide and improve our products and services;
• Process transactions and payments;
• Conduct analytics and research;
• Enhance your experience on our Sites;
• Help deliver our ads on your devices;
• Measure advertising campaign effectiveness;
• Respond to your requests and communications;
• Manage your preferences;
• Meet legal and regulatory obligations; and
• For any other purposes that we may specifically disclose at the time we collect or you provide your information. 

We do not sell your personal information.

In some circumstances, we may anonymize or deidentify your personal information so it is no longer associated with you, in which case we may use such information without further notice to you. To the extent we maintain and use personal information in an anonymized or deidentified form, we will not attempt to reidentify the information, except for the purpose of determining whether our anonymization/deidentification processes satisfy our legal obligations.
 

Disclosure of Information 

We may disclose personal information we collect about you through the Sites to:

• Our affiliates or business partners;
• Our contractors, service providers, and other third parties we use to support our organization;
• Communicate with you and others, including persons who hold a legal or beneficial interest relating to you or persons acting in a fiduciary or representative capacity on your behalf;
• Report to credit bureaus and other similar organizations to evaluate your eligibility for products or services;
• Maintain your accounts;
• Recruit and hire by evaluating and processing your employment application;
• Insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating us, persons that are assessing our compliance with law or industry standards, and attorneys, accountants, and auditors;
• Debug, identify and repair errors, or effectuate similar functional enhancements in connection with our Sites;
• Protect against malicious, deceptive, fraudulent, or illegal activity, and participating in any prosecution or enforcement of laws or agreements meant to prevent or punish such activity;
• Protect the legal rights, property, safety, and security of us, our users, our employees, and others;
• Comply with applicable law, other legal requirements, and industry standards;
• Enforce our policies, terms of use, contracts, or other legal rights;
• Respond to emergencies;
• Other parties as you may authorize or permit.

If you are a Founders member or are otherwise an individual who obtains or has obtained a financial product or service from us to be used primarily for personal, family, or household purposes, our Privacy Policy provides additional information regarding our sharing of the personal information we collect in connection with our provision of those products and services.
 

Control Your Information 

You may choose not to provide personal information that we request. However, not providing information requested may restrict your ability to use certain features of the Sites. For example, you may be able to restrict the collection of personal information or functionality through your device's operating system or by disabling cookies, but doing so may prevent you from using the functionality of the Sites.

Some Internet browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, the Sites do not respond to browser “do-not-track” signals. Other parties may collect personal information about your online activities over time and across different websites when you use the Sites.
 

Third Party Links 

The Sites may contain links to relevant external websites and information controlled or offered by third parties. Founders is not responsible for the content or privacy practices of websites owned by other entities. We recommend that you carefully review the privacy notice for each of the websites you visit because Founders has no control over the privacy practices or content of these linked Sites.
 

Children’s Privacy 

We respect the privacy of children and do not knowingly collect any more information than necessary to enable them to participate in the activities we offer at our Sites. 
 

Changes to this Notice 

We may update this Notice to reflect changes in our privacy practices at any time and without prior notice to you. When we do so, we will update the Effective Date of the Notice. We encourage you to periodically review this Notice for the latest information on our privacy practices.

Digital Banking Privacy Permissions

5002-2026-06-Online and Digital Banking Privacy Notice

*Permissions are only required to be granted for specific uses listed and may be canceled at any time within the user's device settings.