Privacy Notice Disclosure

Last Revised: 04/2024

FACTS	WHAT DOES FIRST FLORIDA 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 Payment history Transaction or loss history Credit history Credit card or other debt Checking account information Information Collected while Using the Application: While using Zelle®, to use the QR Code feature, with your prior permission, First Florida Credit Union may collect or access pictures and other information from your device's Contacts, Camera, and Photos. Any information collected is used to provide features of the Zelle® service and/or to improve and customize the user experience. The information may be uploaded to our servers or it may be simply stored on your device. You can enable or disable access to this information at any time, through your device settings.
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 FFCU chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES FIRST FLORIDA 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
Payment history
Transaction or loss history
Credit history
Credit card or other debt
Checking account information

Information Collected while Using the Application: While using Zelle®, to use the QR Code feature,

with your prior permission, First Florida Credit Union may collect or access pictures and other

information from your device's Contacts, Camera, and Photos.

Any information collected is used to provide features of the Zelle® service and/or to improve and customize the user experience. The information may be uploaded to our servers or it may be simply stored on your device. You can enable or disable access to this information at any time, through your device settings.

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 FFCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.	Does FFCU 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 to 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 you	Yes	Yes

Sharing
To limit our sharing	Call Toll-free 1-800-766-4328 ext. 1 Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Sharing

To limit our sharing

Call Toll-free 1-800-766-4328 ext. 1

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions
Questions?	Call toll-free 1-800-766-4328 ext. 1

Who We Are
Who is providing this notice?	FFCU means First Florida Credit Union.

What We Do
How does FFCU 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 FFCU collect my personal information?	We collect your personal information, for example, when you: Apply for a loan Make deposits or withdrawals from your account Give us your income information Provide employment information Show your driver's license 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 you sharing for non affiliates 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates:	Companies related by common ownership or control. They can be financial and non-financial companies. FFCU has no affiliates
Nonaffiliates:	Companies not related by common ownership or control. They can be financial and non-financial companies. Nonaffiliates we share with can include insurance companies.
Joint Marketing:	A formal agreement between nonaffiliated financial companies that together market financial products and services to you. Our joint marketing partners include credit card companies.

Definitions

Affiliates:

Companies related by common ownership or control. They can be financial and non-financial companies.

FFCU has no affiliates

Nonaffiliates:

Companies not related by common ownership or control. They can be financial and non-financial companies.

Nonaffiliates we share with can include insurance companies.

Joint Marketing:

A formal agreement between nonaffiliated financial companies that together market financial products and services to you.

Our joint marketing partners include credit card 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 Vermont Members/Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies call 1-800-766-4328 ext. 1

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 Vermont Members/Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies call 1-800-766-4328 ext. 1

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