SMS Privacy Policy.

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What Personal Information We Collect

When you opt in to receive SMS messages from Firefighters First Credit Union, we may collect the following:

• Phone Number: The mobile number you provide to receive text messages.
• Consent Details: Information about how and when you opted in, such as via a website form, keyword, or account agreement.
• Message Interactions: Responses you send (such as HELP or STOP) and any content you provide through SMS, such as replies to account inquiries.

We may also link your phone number to existing member data, such as your name or account number, to personalize and deliver relevant messages.

How We Use Your Personal Information

We use your information to:

• Send SMS messages based on your opt-in preferences, including account alerts (balance updates, payment reminders), transactional notifications (fraud alerts, loan status updates), responses to inquiries (branch hours, account support), and marketing communications about our products and services
• Verify your identity for security purposes, such as two-factor authentication
• Process opt-out requests when you reply STOP
• Respond to requests for assistance when you reply HELP
• Improve our SMS services by analyzing delivery and engagement data

Message frequency may vary depending on your account activity or the nature of your inquiry.

Who We Share Your Information With

• Service Providers: Trusted vendors who assist us in delivering SMS messages, such as platform providers. These providers are contractually required to protect your data and use it only for purposes we specify.
• Legal or Regulatory Authorities: When required by law, regulation, or to protect the safety and security of our members.
• FFCU Affiliates: Your SMS consent is shared with our affiliated companies for marketing purposes: Firefighters Insurance Services, Firehouse Financial, Firefighters Trust Services, Fire Family Foundation, and Firefighters Tax Services. Your phone number will not be shared with outside organizations or third parties for promotional purposes.

Your Rights and Choices

• Opt Out: Reply STOP to any message at any time to stop receiving SMS communications. We will send a confirmation and will not send further messages unless you opt in again.
• Get Help: Reply HELP to any message, call us at 800.231.1626, submit a request through our web form, or visit any of our branch locations.
• Data Rates: Message and data rates may apply based on your mobile carrier plan.

Security

We use industry-standard security measures to protect your personal information from unauthorized access, loss, or misuse. No method of transmission over mobile networks is 100% secure, and we cannot guarantee absolute security.

Changes to This Policy

We may update this SMS Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be posted on this page with a revised Last Updated date. We encourage you to review it periodically.

Contact Us

Phone: 800.231.1626
Mail: Firefighters First Credit Union, P.O. Box 60890, Los Angeles, CA 90060-0890

About Our SMS Service
Firefighters First Credit Union offers SMS alerts for a range of mobile and online banking activities. As a member, you can opt in to receive text notifications for login activity, transactions exceeding a specified limit, balance and transfer alerts, and one-time passcodes.
 
By using our SMS service, you agree to the terms and conditions below.
 
How the Service Works
When you opt in, you consent to receive recurring automated text messages from Firefighters First Credit Union, either sent directly or through an authorized third-party service provider. Your communication service provider is considered your agent for the purpose of delivering these messages. We reserve the right to determine what information is made available through this service.
 
Upon opting in, we will send a confirmation message to verify that you own or are authorized to use the phone number provided. Your consent and any replies you send may be used as an electronic record of your agreement. Message frequency varies based on account activity.
 
Please note that mobile carriers bear no responsibility for delays or failures in message delivery.
 
Important Limitations
SMS is provided for your convenience and does not replace your monthly account statement, which remains the official record of your accounts. SMS messages may not be encrypted and could include personal or account-related information. You are responsible for securing any devices that receive SMS from us and for preventing unauthorized access to that information.
 
Receipt of account information via SMS may be delayed due to factors related to your carrier or other third parties. No separate fee is charged by Firefighters First Credit Union for this service, though standard message and data rates from your carrier may apply.
 
We make no warranty regarding the availability or reliability of our SMS service and are not liable for any delays or failures in message delivery.
 
How to Opt Out
Text STOP to our short code at any time to cancel your SMS subscription. We will send a confirmation message once your opt-out is processed. To re-enroll, simply sign up again as you did initially.
 
Changes to These Terms
We may update these terms at any time without prior notice, except as required by law. Your continued use of our SMS service after any changes constitutes your acceptance of the updated terms. We recommend reviewing this page periodically.