Privacy Policy

IMPORTANT NOTICE
MEMBER PRIVACY – PERSONAL FINANCIAL AND MEDICAL INFORMATION

In compliance with federal law and regulation, we are required to provide information about how we safeguard the privacy of our members. This notice explains the types of data about you that we collect and disclose, with whom that data may be shared, and how we protect your data. Protecting the privacy of your personal financial and medical information has always been and will continue to be a matter of top priority for us.

TERMINOLOGY EXPLANATION

When used in this notice, the following terms have the meaning shown.

Public Information means information that is lawfully available to the general public from: Federal State or local government records; widely distributed media; or, disclosures to the general public that are required to be made by Federal, State or local law.

Non-Public Information means personally identifiable financial and medical information. It also means any list, description or other grouping of individuals, and publicly available information pertaining to them, that is derived from any personally identifiable information that is not publicly available.

Consumer Reporting Agency means an entity, which regularly provides reports (Consumer Reports) including information regarding an individual’s: general reputation, character, personal characteristics or mode of living and financial status. The information may be obtained through interviews with the individual or third parties such as the individual’s: business associates, family members, friends, neighbors, acquaintances or financial sources.

HOW WE OBTAIN INFORMATION

In the process of becoming an FCSU Financial Member, you (or someone representing you) provided us with certain nonpublic personal information. Applications or other forms request information such as your name, date of birth, address, marital status and Social Security number. With your authorization, we have collected only the minimum amount of information necessary to underwrite your application. We gather information about your transactions with us such as premium payments, loans, claims, etc.), or others. We may also receive information from a Consumer Reporting Agency.

INFORMATION SECURITY

We maintain the highest levels of confidentiality concerning your nonpublic personal information. We restrict access to your personal, insurance and medical information to those of our employees who need to know that information in order to provide insurance or service to you. Our employees have been trained in the careful handling and protection of such information. Only individuals who are trained to safeguard your data may use data about you. Those who use your data must follow established standards, procedures and laws. They understand that improper disclosure of nonpublic personal information is a serious matter with severe consequences.

We are, and will continue to be, vigilant in the safeguarding of your personal, financial, and medical information. We maintain physical, electronic and procedural safeguards to comply with Federal and State regulations regarding the safeguarding of Non-Public Information. If we should find it necessary to retain another organization to assist us with our operations, we will require that it maintain the same strict standards of confidentiality as we do.

INFORMATION WE DISCLOSE

We are a fraternal benefit society that has always been committed to protecting the privacy of its members. There are no affiliated financial institutions or third-party affiliates which have access to your nonpublic personal information, except pursuant to your authorization. We do not share data about you with other organizations, except as permitted by law. For example, we are permitted to share data about you to (i) help us underwrite your insurance, (ii) open your account, (iii) process transactions and administer your claims, (iv) share with organizations that act for us or on our behalf, (v) comply with an inquiry by a government agency or regulator or in connection with civil or criminal litigation, or (vi) assist us in providing benefits to you as part of your membership. We will not sell any list of our members’ names or addresses.

Our policy of protecting the security of nonpublic personal information also extends to certificate holders who no longer have coverage with us. Please be assured that the information in our insurance and annuity files will always be available to our members for corrections and changes when a written request is submitted.

We are pleased to have you as a member and will work diligently to maintain your trust.

INFORMATION UPDATES

It is our sincere desire to maintain complete, accurate and up-to-date records. You may contact us at the address shown above, to access, as provided by law, information included in your file. We will promptly correct any error in our information. To protect your privacy, you will need to identify yourself by providing us with your name, date of birth and social security number.