Police and Fire Federal Credit Union Website Privacy Policy

Effective Date: 9/19/2023

This policy describes Police and Fire Federal Credit Union's (“PFFCU”, “We” or “Our”) collection, processing, transfer and storage of data from visitors to our website at   www.PFFCU.org  (Our “Website”).  This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by PFFCU.

If You are a PFFCU member, please see Our  Privacy Policy Disclosure , which We provide to all Our members, for an explanation of how We collect, use, and share personal information and Your choices for limiting the use and sharing of Your information as a member. 

If you are a California resident, please refer to our California Consumer Privacy Notice for additional information about your rights under the California Consumer Privacy Act of 2018.

1. OUR COMMITMENT TO YOUR PRIVACY

This Privacy Policy describes:

• How information about You is collected through Our Website;
• How We use and with whom We share this information;
• How You can access and update this information; and
• The choices You can make about how We collect, use and share Your information.

If You have any questions regarding this Privacy Policy or Our information collection and use practices, please contact Us using the information in the “Contact Us” section below.

2. INFORMATION COLLECTED THROUGH OUR WEBSITE

PFFCU collects information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing Our mortgage and loan origination services (Our “Services”), which We may add to the data We obtain through the Website. The information collected through Our website includes:

• Personal and Loan-related Information. You may provide Us information about You, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.  
• Transactional Information. We may also create transactional records of each of the transactions or other events occurring through Our Website. This transactional information is generally collected (i) to enable Our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable Us to comply with various legal obligations. 
• Device and Usage Information. Like most online services, Our Website collects standard technical, non-personal information when You use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content You view or interact with on Our Website, the information You search for, and the dates and times that You visit Our Website. 
• Cookies and Other Technologies. Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how You interact with Our Website, to monitor usage by Our users and web traffic routing on Our services, and to improve and personalize Our Website. Many Internet browsers automatically accept cookies. You may be able to instruct Your browser to stop accepting cookies or to prompt You before accepting cookies from the websites You visit. Google provides some additional privacy options relating to Google analytics, described at  www.google.com/policies/privacy/partners/ .  We do not respond to “do not track” browser signals at this time.  We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of Our marketing emails, to allow Us to measure visitor actions and assess the effectiveness of Our email marketing campaigns. For example, We use web beacons in Our email marketing to track instances where a user clicks through a link in the email.

3. HOW WE USE INFORMATION

We and service providers working on Our behalf use information collected on Our Website in a variety of ways intended to provide Our Website and Services and to operate Our business, including the following:

• To Provide Our Services. We use the information that We collect (i) to operate, maintain, enhance and provide Our Website and Our Services, (ii) to provide other services and information that You request, and (iii) to provide customer support to You and other parties. 
• To Improve, Analyze, and Personalize Our Website and Services. We use the information that We collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of Our Website and Services; to improve Our Website and Services and develop new products, services, features, and functionality; and to personalize Our Website and Services, such as remembering Your information so that You will not have to re-enter it during Your visit or the next time You use Our Website, or providing customized content and information. 
• To Contact You. We may use Your email address or other information We collect to contact You for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to Our Website and Services.  Generally, You have the ability to opt out of receiving promotional communications as described below. 
• Aggregate Data. We aggregate data collected through Our Website and use it for purposes such as creating and sharing reports about the use of Our products and services, including users’ interests, usage patterns, and trends.

• Advertising . We may use non-identifiable information that You provide or that We collect to improve or tailor the effectiveness of advertising on Our Website and to provide advertisements and other content that is tailored to You.

4. HOW WE SHARE INFORMATION

We may share, transfer, or disclose Your information if You consent to us doing so, as well as in the following circumstances:

• To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to Our Website and Services for us. These third parties may have access to or process Your information as part of providing those services for us. Generally, We limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and We require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information We share that might identify You for any purpose other than to provide services to Police and Fie Federal Credit Union or to You.
• In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding Our users’ interests, usage patterns, and borrowing and loan origination trends.  
• Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose Your information (including Your personal information) to a third party if (a) We believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce Our agreements, policies and terms of service, (c) to protect the security or integrity of Our Website or Services, (d) to protect the property, rights, and safety of Police and Fire Federal Credit Union, Our users or the public from harm or illegal activities, (e) to respond to an emergency which We believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.
• In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of Our business assets.

• We will not transfer or assign Your consent to receive marketing messages under this service, if any, to a third party or share information gathered solely from the SMS program with third parties for them to market to You.

5. OUR POLICY CONCERNING CHILDREN

Our website is not directed to children under 13, and We do not knowingly collect any personal information from children under the age of 13 through Our website. If We become aware that a child under 13 has provided us with personal information through Our website, We will take steps to delete such information. 

8. CHANGES TO OUR PRIVACY POLICY

This Privacy Policy may be revised from time to time. If We decide to make material changes to Our Privacy Policy, We will make reasonable efforts to notify You of the changes by sending a notice to the primary email address provided to us and/or by placing a notice on Our Website. 

9. HOW TO ACCESS AND UPDATE YOUR INFORMATION

You can access and update the information that You have provided to us as follows:

• If You are a PFFCU member, You can access and update certain personal information in connection with Your account or application by logging into Your account online. 
• You may contact us at  mortgageinquiry@pffcu.org  and request to review, amend or delete certain personal information collected by us.
• Please note that We may not be able to delete all information We collect through Our Website.
• You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of Our marketing emails. Your opt-out will become effective in 10 days or less.

10. CONTACT US

If You have any questions, comments or concerns regarding Our Privacy Policy and/or practices, please send an email to:  mortgageinquiry@PFFCU.org  .

Police and Fire Federal Credit Union
901 Arch Street
Philadelphia, PA 19107