Privacy Policy
Rev. 1/2024
Four Points Federal Credit Union protects the nonpublic personal and financial information of members collected and maintained by the credit union. Four Points FCU collects only the personal and financial information of members that is necessary to conduct business and to provide services requested by members.
The credit union maintains security control procedures and practices that meet legal and regulatory requirements to protect member information in files and computer systems. Electronic security techniques are used to protect against unauthorized access to member records and accounts and to protect member confidentiality as provided in the Member Information Security policy.
Members are allowed to review their personal and financial information and request changes to ensure that credit union records are complete and accurate.
Privacy notices are provided to new members at the time they join and made available to all members annually, and an updated version can be accessed at anytime on this page.
What Does Four Points Federal 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 what we do.
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 and Income
- Account Balance and Payment History
- Credit History and Credit Scores
When you are no longer our customer, 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 Four Points Federal Credit Union chooses to share and whether you can limit this sharing.
Reasons We Can Share Your Personal Information? |
Does Four Points Federal 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 | Yes | No |
| 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 |
What We Do
How does Four Points Federal 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.
How does Four Points Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an Account or Deposit Money
- Apply for a Loan or Make a Wire Transfer
- Provide Account Information
We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?
Federal law only permits you the right to limit the following.
- 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
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Four Points Federal Credit Union has no affiliates.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Four Points Federal 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.
Limitations of Liability
Four Points FCU shall not be deemed liable for any special, incidental, indirect, or consequential damages of any kind including but not limited to injury, claim, liability or loss of use, data, or profits in connection with this site or any third party site.
We will also not be liable to honor any stated rate, offer, or promotion on the web site that management has discontinued or changed, regardless of the information published on the website.
While we verify third party site links for accuracy & authenticity, ownership of the domain names and content of the web pages may change without notice and is the responsibility of the third party. We are not responsible for the content, views, or privacy policies of the third party site. The privacy policy of the third party site may differ from that of Four Points FCU. Visitors assume all risks when visiting pages owned by a third party (i.e. not under the fourpointsfcu.org domain).
Website Permitted Use
Authorized users of this web site are permitted to review and print the contained information for their own informational purposes only. Misuse of information and materials contained on this site is strictly prohibited.
Disclaimer of Warranties
Four Points FCU takes reasonable measures to ensure the quality of data and additional information provided on this site. However, the information is provided “as is” and we do not make any representations or warranties, expressed or implied, as to the accuracy of these materials including but not limited to text, graphics, and links. Descriptions of or references to products, services or publications within this web site are not to be considered endorsement.
Information published, including but not limited to interest rates, dividends, and promotions are deemed accurate at the time of publication; however, management reserves the right to change or discontinue any information or promotion at any time, regardless of the information on this web site.
Cookies & Tracking Elements
Use of this website or linking to a site we sponsor may require the use of “cookies,” which are small pieces of information a website stores on a visitor’s web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our members’ on-line transactions and eases navigation through our website. For certain applications, such as on-line transactions, cookies are required to help protect the privacy of a member’s transactions by, for example, terminating the session if the member forgets to log out. We collect e-mail addresses from members who request electronic services, and from users of our website who choose to provide their addresses. We also use cookies and web beacons (also known as “tracking pixels” or “pixels”) to personalize content and ads, to provide social media features, and to analyze our traffic.
By using this website, you are hereby agreeing to the use of these cookies and tracking elements within many, if not all, pages and online digital content hosted or sponsored by Four Points FCU.
Questions?
Call 1-800-323-2786
