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Financial Trust Federal Credit Union, your member-owned financial institution is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at: (716) 831-3007
or write to:
Financial Trust Federal Credit Union
3333 Harlem Road, Cheektowaga  N.Y.  14225

Information We Collect and Disclose About You
We collect non public personal information about you from the following sources:
Information we receive from you on applications and other forms;
Information about your transactions with us or others;
Information we receive from a consumer reporting agency;

Information obtained when verifying the information you provide on an application or other forms.  This may be obtained from your current or  past employers, or from other institutions where you conduct financial  transactions.

We may disclose all the information we collect, as described previously, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties. We do not provide information to any companies that will solicit you for their own products or services.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

Disclosure of Information About Former Members
If you terminate your membership with Financial Trust Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non public personal information.

What You Can Do To Protect Your Privacy
Financial Trust Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit, or credit card which can provide free access to your accounts if your card is lost or stolen.

Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.

Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have questions concerning this notice, please do not hesitate to call us - we are here to serve you.



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