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Privacy Policy – FnA Credit

Privacy Policy

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Your Privacy Matters

How FnA Credit Protects and Uses Your Data

At FnA Credit, we understand that trust is the foundation of any banking relationship. This Privacy Policy explains in detail how we collect, use, share, and safeguard your personal information when you use our website, mobile apps, or any of our products and services.

1. Information We Collect

We gather information directly from you and automatically when you interact with us:

  • Account & Profile Data: Name, address, date of birth, Social Security number, employment details.
  • Transaction Records: Deposit, withdrawal, transfer history, payment instructions.
  • Device & Usage Data: IP address, browser type, operating system, pages viewed, clicks, device identifiers.
  • Communications: Customer service chats, emails, survey responses, call recordings.
  • Third-Party Sources: Credit reporting agencies, identity verification services, public records.

2. How We Use Your Information

Your data powers our services and keeps your account secure:

  • To Deliver Services: Open accounts, process transactions, send statements.
  • Risk Management & Fraud Prevention: Monitor for suspicious activity, comply with anti-money laundering laws.
  • Personalization: Tailor product recommendations, alerts, and financial insights to your needs.
  • Marketing & Communications: Send you offers, surveys, and educational materials (you can opt out at any time).
  • Legal & Compliance: Meet regulatory requirements, respond to legal requests, enforce our agreements.

3. Sharing & Disclosure

We never sell your personal information. We share it only when necessary:

  • With Affiliates: To deliver integrated banking and investment services.
  • Service Providers: Payment processors, cloud hosting, identity verification—under strict confidentiality agreements.
  • Regulatory & Legal Authorities: Law enforcement, auditors, tax authorities as required by law.
  • Business Transfers: In connection with mergers, acquisitions, or asset sales (with notice to you).

4. Data Security

We deploy robust safeguards—industry-standard encryption, multi-factor authentication, network firewalls, and regular security testing—to protect your information against unauthorized access and cyber threats.

5. Data Retention

We keep your personal data only as long as necessary to fulfill our services, comply with legal obligations, resolve disputes, and enforce our policies.

6. Cookies & Tracking Technologies

Our site uses cookies, web beacons, and similar tools to:

  • Remember your preferences
  • Analyze site traffic and improve performance
  • Deliver targeted content

You can manage cookie settings at any time via your browser.

7. Your Rights & Choices

You have the right to:

  • Access, correct, update, or delete your account information.
  • Opt out of marketing communications.
  • Withdraw consent where required by law.

To exercise these rights, please contact us at the details below.

8. Children’s Privacy

Our services are intended for individuals aged 18 or over. We do not knowingly collect personal data from minors.

9. Third-Party Links

Our site may include links to external sites. We are not responsible for their privacy practices—please review their policies directly.

10. International Transfers

If you are located outside the U.S., your information may be transferred to and processed in the U.S. or other jurisdictions with differing data protection laws. We take steps to ensure adequate protections are in place.

11. Changes to This Policy

We may update this Privacy Policy. We will post the revised date at the top and, where required, obtain your consent.

12. Contact Us

Questions or requests? Reach out to us: