Privacy and Other Policies

Website Privacy Notice

Our Privacy Notice is an important part of our commitment to provide you with the best financial and client service possible. We believe it is essential to clarify how Friends and Family Credit Union uses collected information, the benefits of such use and the way information is protected against unauthorized access and use. Your concern about the security of information relating to you and your accounts is understandable and we want to assure you that we are continuously taking steps to safeguard your personal information. It is also essential that you know that we do not sell customer lists or individual customer information to any third parties.

Each member relationship at Friends and Family Credit Union is built on trust. We have implemented policies, procedures and controls to help safeguard and prevent unauthorized disclosure of non-public personal information, as well as detect any such unauthorized disclosures. Friends and Family Credit Union employees are trained to handle member matters and maintain confidence in a manner consistent with applicable laws and this notice. In addition, only employees actively engaged in the discharge of assigned duties involving customer information are authorized to access that information.

Friends and Family Credit Union has taken reasonable measures to ensure that the information and data presented on this website is accurate, appropriate and up to date. While every effort is made to maintain the accuracy and utility of this information, Friends and Family Credit Union makes no express or implied warranty regarding such information or data, and hereby disclaims all legal liability and responsibility to persons or entities that use or access this site and its content, based on their reliance on any information or data obtained through this website.

Information on this website is not intended to constitute and should not be considered as legal or financial advice, nor is it intended to substitute for obtaining legal or financial advice from competent, appropriate and independent legal counsel or financial advisor. This website content is not designed or intended to provide authoritative financial, accounting, investment or other professional financial advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be retained.

Links to Other Websites
This Friends and Family Credit Union website provides links to other websites for convenience and informational purposes only. You will see a disclosure on our site that alerts you when you are leaving our website. Linked sites are not under the control of Friends and Family Credit Union, and Friends and Family Credit Union is not responsible for the contents of any linked site or any link contained in a linked site, or changes or updates to such sites. Inclusion of such links in the Friends and Family Credit Union website does not imply endorsement by Friends and Family Credit Union of the site, its content, advertisers or sponsors. For your protection, we recommend that you review the separate privacy notices provided on these linked websites. External sites may contain copyrighted materials with restrictions on use and reuse, whereby permission for use or reuse must be obtained from the original source, not from Friends and Family Credit Union. 

Use of “Cookies” on This Website to Collect Data
Friends and Family Credit Union is strongly committed to protecting and maintaining the privacy of your non-public, personal information. Our information gathering and dissemination practices for this site are described as follows. Friends and Family Credit Union automatically collects and stores the following information when you visit our website:

• Date and time your request was received
• Your Internet Protocol (IP) address, or the address of your Internet Service Provider (ISP)
• Specific resource on Friends and Family Credit Union website that was accessed as a result of the request or application
• Content of any sent or received cookie*

*Some parts of the Friends and Family Credit Union website may use a “cookie,” which is a file placed on your computer hard drive that allows the Friends and Family Credit Union server to log the pages you use in the Friends and Family Credit Union website to determine if you have visited the site before. It also stores your preferences and other information on your computer to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. No personal identifying information is captured by the cookie. This information is used by the Friends and Family Credit Union server to provide certain website features during your visit. You can set your browser to warn you when placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not function properly.

Other than the automatic data collection activity described above, this site collects no personally identifiable information. When you knowingly and voluntarily provide personal, non-public information, such as when you complete data fields on a loan application, you have chosen to make an exception to the automatic data collection as described.

Information We Share
We may share public and non-public personal information concerning your transactions and experience within Friends and Family Credit Union and related organizations. This sharing of information is intended to help us offer financial products and services we believe would benefit you and facilitate the servicing of your accounts. You have a choice as to whether or not you want this information shared with Friends and Family Credit Union-related organizations. If you prefer that we not share this information, you may opt out by writing to us at Friends and Family Credit Union, Attention: Compliance Officer, 2043 E. Prospect Rd., Ashtabula, Ohio 44004. Please provide your name, address and account number(s).

Other non-public personal information may be shared with service providers who assist us in servicing your accounts and preparing and/or delivering financial services and products to you on our behalf. Examples of such third-party service providers include check printers, data processors, deposit or loan account service providers, check verification services, and credit reporting agencies.

Information we collect, as described above, may also be shared with companies that perform marketing services on our behalf or with other financial institutions with whom we have joint marketing agreements. This allows us to offer a variety of financial products and services we endorse and believe you may find beneficial. These companies we do business with agree to keep such information confidential and are prohibited from disclosing such information to anyone for any other purpose. We do not, and will not, share your information with non-financial companies for the purpose of allowing them to market their products and services to you.

Friends and Family Credit Union does not disclose any non-public personal information about you to any other third parties except as permitted or required by law. We do not share medical or health insurance information, nor will we disclose medical information to unaffiliated third parties unless you have instructed us to do so in writing.

Information about Friends and Family Credit Union member accounts may be reported to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Notice Regarding Children’s Information
We respect the privacy of children and comply with the practices under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children.

Email Communications
When you choose to identify yourself to Friends and Family Credit Union and provide an email address as an accepted communication channel, you are consenting to Friends and Family Credit Union using the information you provide, including personally identifying information, in accordance with this notice, unless you expressly state in the email your objection to any use(s). This may include the transmission of service communications such as welcome letters, billing reminders, technical service information and security announcements. Since general email is not secure and may be intercepted or viewed by others, you should refrain from sending confidential or private information via email.

Information Security Standards
Friends and Family Credit Union continually updates and improves our security standards and procedures to help protect against anyone gaining unauthorized access to your confidential information and to prevent fraud. We maintain physical, electronic and procedural safeguards that comply with federal standards. Our associates have an appropriate level of access to your personal information in order to perform their jobs and provide you with the best financial products and services possible. We do work with law enforcement officials to pursue any individuals who either fraudulently access or attempt to access or use information. We are continually looking for new technology to further enhance the security of this information. Through appropriate checks and balances built into procedures.

Mobile Privacy Policy

Terms and Conditions: Friends and Family CU
Thank you for using Friends and Family CU Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply. For help, text “HELP” to 71806. To cancel, text “STOP” to 71806 at anytime.

In case of questions please contact customer service at (330)832-1371 or visit https://www.friendsandfamilycu.com.

Friends and Family CU Privacy Policy
https://friendsandfamilycu.com/privacypolicy

Terms and Conditions

• Program: Friends and Family CU offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

• Questions: You can contact us at (330)832-1371 or send a text message with the word “HELP” to this number: 71806. We can answer any questions you have about the program.

• To Stop the Program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 71806. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

• Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.

• Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Friends and Family CU or any service provider.

Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Friends and Family CU and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files, data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Friends and Family CU and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Friends and Family CU and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Friends and Family CU (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Friends and Family CU or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Friends and Family CU, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URLs as may be updated by Google.
Touch ID™ for Mobile Banking.

Touch ID is an optional fingerprint sign-in method for Friends and Family CU Mobile Banking that is currently available for most Apple® devices that have a fingerprint scanner. To use Touch ID, you will need to save your fingerprint by going to “Settings > Touch ID & Passcode” on your Apple device to complete the setup (for more help with fingerprint scanning, contact Apple support at apple.com/support). Fingerprints are stored on your device only and Friends and Family CU never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Friends and Family CU Mobile Banking. Friends and Family CU reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your password. To use Touch ID for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within Friends and Family CU Mobile Banking.

Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for Friends and Family CU Mobile Banking is only available on compatible iOS devices.

Fingerprint Login for Mobile Banking.
Fingerprint Login is an optional fingerprint sign-in method for Friends and Family CU Mobile Banking that may be available for certain Apple® (via Touch ID™) and Android® mobile devices that have a built-in fingerprint scanner. To use Fingerprint Login, you will need to first save your fingerprint on your mobile device (for more help with fingerprint scanning, contact the manufacturer that supports your mobile device.). Fingerprints are stored on your device only and Friends and Family CU never sees or stores your fingerprint information. You acknowledge that by enabling Fingerprint Login, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Friends and Family CU Mobile Banking. Friends and Family CU reserves the right to suspend or disable this feature at any time. Fingerprint Login can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your standard login credentials (e.g. password). To use Fingerprint Login for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Fingerprint Login anytime within Friends and Family CU Mobile Banking.

Apple and Touch ID are trademarks of Apple Inc. Android is a trademark of Google Inc.

Card Controls Additional Terms.
The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Mobile Banking mobile application (“Mobile Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply.

1. The Card Controls feature is only available for debit cards issued by Friends and Family CU that you register within the Mobile Banking App.

2. The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact Friends and Family CU to discontinue the alerts and controls.

3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant’s registered address.

4. Card Controls may enable access to Friends and Family CU and third parties’ services and web sites, including GPS locator websites, such as Google’s. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto.

5. To the extent this Mobile Banking App allows you to access third party services, Friends and Family CU and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability.

6. THE MOBILE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.

7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

Alerts Additional Terms.
The following Alerts terms and conditions (“Alerts Terms of Use”) only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply.

Alerts. Your enrollment in Friends and Family CU Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Friends and Family CU account(s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.

• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.

• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within Friends and Family CU Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Friends and Family CU reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Friends and Family CU Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.
Alerts via Text Message. To stop Alerts via text message, text “STOP” to 71806 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Friends and Family CU Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 71806. In case of questions please contact customer service at (8 (330)832-1371. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Friends and Family CU provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Friends and Family CU’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Friends and Family CU, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.
https://friendsandfamilycu.com/privacypolicy

Privacy and User Information – Data Analytics. You acknowledge that in connection with your use of Mobile Banking, Friends and Family CU and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software. Friends and Family CU and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.