Privacy Policy

Privacy Policy

Effective Date: September 12, 2024

This privacy policy, posted here, and as amended from time to time and effective as of the date posted) (“Policy”) explains how FCS Financial, ACA/FLCA/PCA and its affiliates (“we”, “us”, or “our”) collect, use, and share information about you when you use our website www.myfcsfinancial.com (“Site”), mobile application, and other online services that link to this Policy (collectively, the “Services”). By using the Services, you agree to the collection, use, and sharing of your information as described in this Policy. If you do not agree with our policies and practices, do not use the Services. 

Your privacy is a top priority in all aspects of our business. Our employees are informed of their responsibility to protect your confidential information and are governed by regulations and strict standards of conduct, which prohibit disclosure of and unauthorized use of your information. Security procedures and internal controls are also in place to protect your privacy.

Information We Collect

We may collect various types of personally identifiable information (“Personal Information”) from you that you send us, such as, but not limited to, name, email address, mailing address, and phone number. We may collect personal and additional information volunteered by you during the loan inquiry process to enable us to offer you the best products and services. We may also contact you with news about new products, services, and special promotions.

Additionally, your e-mail address is collected when you submit any e-mail to us. We limit the use and collection of all Personal Information to that which is necessary to maintain and administer financial services, provide excellent service, and offer new products and services that may be of benefit to you, and as described in this Policy. If, for any reason, you would like to be removed from our distribution list, please contact us at marketing@myfcsfinancial.com.

Please note that if you choose to apply for a loan online, you are authorizing us to obtain credit history information needed to make a lending decision.

In an effort to make Site improvements, we may track user navigational habits, but this is done at a site level rather than by individual.

We do not sell, rent, or trade any Personal Information submitted to this Site.

How We Use Your Information 

We use your information to provide, maintain, and improve the Services, as well as to communicate with you. Some specific ways we may use your information include: 

• To create and manage your account
• To respond to your inquiries and requests
• To personalize your experience on the Services
• To send you marketing communications if you have consented to receive them
• To enforce our policies and comply with legal obligations 

How We Share Your Information 

We may share your information with third parties in the following circumstances: 

• With vendors, consultants, and other service providers who need access to your information to perform services on our behalf 
• With business partners, such as companies that we jointly offer products or services with 
• In connection with a merger, sale, or other transfer of all or part of our business 
• If we are required to do so by law or legal process, or to protect the rights, property, or safety of us or others 

Links to Other Websites

When you visit our site, you may select a link to an external web site outside our service, which means you will leave our site. These other sites may send their own cookies to users, collect data, or solicit personal information. These other sites are not subject to our Policy, and we are not responsible for the privacy policies for these other sites, nor for the use of any information that these sites may collect. Information displayed on third-party sites are not supported or endorsed by us.

Data Retention

In general, our retention of Personal Information is reasonably necessary and proportionate to achieve the purposes for which the Personal Information was collected or processed, or for another disclosed purpose that is compatible with the context in which the Personal Information was collected, and not further processed in a manner that is incompatible with those purposes. The time period for which we retain your Personal Information depend on the purposes for which we use it. We will retain your Personal Information for as long as your account is active, or as long as you are a registered account holder or user of our Services or for as long as we have another business purpose to do so (such as, but not limited to, for business, tax, or legal purposes) and, thereafter, for no longer than is required or permitted by law, or our records retention policy, reasonably necessary for internal reporting and reconciliation purposes, or to provide you with feedback or information you might request. This period of retention is subject to our review and alteration. We will also retain Usage Data for analytics purposes. “Usage Data” refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit). Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. Following termination or deactivation of your user account, we may retain your Personal Information and other data but will maintain it as confidential according to this Policy and as required by applicable law. We have the right to delete all of your Personal Information and other data after termination of your user account without notice to you.

Security

We have implemented technical, administrative, and organizational security measures designed to protect the information we collect from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no internet or email transmission is ever fully secure or error-free, so you should take special care in deciding what information you send to us. We employ services to let you conduct business using coded encryption. Any transaction that involves sending information, such as your name, loan request, or other personal information, is encrypted on both the sending and receiving ends to keep others from viewing it.

We recognize how important security is to our customers, especially when transmitting financial data. That’s why we encrypt our Online Banking session within our server following industry best practices.

However, if you are using a browser that does not meet our security requirements, you will be asked to upgrade. The latest versions of Internet Explorer, Firefox, Safari, Google Chrome, or AOL browsers can be downloaded for free on their respective websites.

Be safe online and on your mobile device.

Whether you’re sending emails, shopping online, using social media, or just surfing the web, it’s important to keep your account information and identity secure. Follow these tips to avoid compromising your information. Note: The following points are written for your information and are not meant to be a comprehensive list.

Online Security Tips

Do not use your Social Security number as a username or password.

Use a passphrase of at least 15 characters with a combination of letters, numbers, and special characters such as # and @. Do not use your FCS Financial online account access username and password for other online accounts or activities.

Protect your online passwords. Don’t write them down or share them with anyone.

Protect your answers to security questions. Do not write down or share your answers with anyone. We will never ask you to provide answers to security questions via email.

Use secure websites for transactions and shopping. Shop with merchants you trust. Make sure internet purchases are secure with encryption to protect your account. Look for secure transaction signs like a lock symbol in the lower right-hand corner of your browser or “https” in the address bar.

Social media is popular, but it’s a good idea to keep certain personal information private. Avoid sharing personal details that are used by financial institutions to identify you, such as your birth date, home address, mother’s maiden name, schools attended/mascots and pet’s name. Fraudsters may use this type of information to help gain access to an account since they are common answers to security questions.

Always carefully review the privacy options for any social network you join. The privacy options and tools for social networks can be complex and should be reviewed carefully so that there are no disclosures of information you meant to remain private.

Email Security Tips

Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.

If you receive a suspicious email from FCS Financial or someone on our behalf, do not respond or provide any information. Send the email to fcsfolb@myfcsfinancial.com to verify.

If you respond to such a suspicious email with personal or account information, contact (866) 450-2308.

Mobile Security Tips

When you use a mobile device for browser or text-based account access, keep these tips in mind:

• Use the keyboard lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device to make it more difficult for someone else to view your information.
• Frequently delete text messages from your financial institution, especially before loaning out, discarding, or selling your mobile device.
• Keep your account numbers, passwords, Social Security number and date of birth private. Never share your personal or financial information in a text message, phone call or email.
• Utilize a reputable password keeper app for storing your banking password or other sensitive information on your smartphone where it will be protected if your phone is stolen.
• When you finish accessing your account online, always log off. This reduces the risk of others accessing your information from your device.
• Keep your mobile operating system up to date to ensure the highest level of protection. Before downloading an update to your mobile device be sure to go to the company’s website to confirm the update is legitimate.
• Be cautious when using public hotspots. Carefully consider your Wi-Fi and Bluetooth connection settings, even at a trusted retailer, as fraudsters can spoof the name of reputable hotspots.

Computer Security Tips

Avoid downloading programs from unknown sources.

Ensure your computer operating system, software, browser version and plug-ins are current. Before downloading an update to your computer program, first go to the company’s website to confirm the update is legitimate.

Install a personal firewall on your computer and keep anti-virus software installed and updated.

Be wary of conducting online banking activities on computers that are shared by others. Public computers should be used with caution. Online banking activities and viewing or downloading documents (statements, etc.) should be conducted, when possible, on a computer you know to be safe and secure.

Configure your devices to prevent unauthorized users from remotely accessing your devices or home network. For example, if you use a home wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.

Using open or free Wi-Fi can expose your personal data to hackers, making it easier for them to steal sensitive information like passwords and financial details. Always use a VPN or secure network to protect your privacy.

Contact Us

If you have a question or would like more information, please contact us via e-mail at marketing@myfcsfinancial.com or call (855) 507-2276.