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Online Privacy Policy


First Heritage Federal Credit Union, (“First Heritage”, “We”, “Us”, or “Our”) respects your privacy, and we are committed to protecting it through our compliance with this Privacy Policy. This Privacy Policy describes the information we may collect from you or that you may provide when you visit websites published by First Heritage (, “Websites”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Please read this Privacy Policy carefully to understand our policies and practices. If you do not agree with our policies and practices, your choice is to not use the Websites. By accessing or using the Websites, you agree to this Privacy Policy.

This Privacy Policy may change from time to time. Your continued use of the Websites after we make changes is your acceptance of those changes. Check the Privacy Policy regularly for updates.

Children Under the Age of 13

The Websites are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13 years of age. If you are under 13, do not use or provide any information on the Website or on or through any of their features. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us.

Applicability of This Privacy Policy

This Privacy Policy applies to information we collect:

  • On or through the Websites,
  • In email, text, or other electronic messages between you and the Websites,
  • Through mobile and desktop applications you download from the Websites which provide dedicated non-browser-based interaction between you and the Websites, and
  • When you interact with First Heritage advertising and applications on third-party websites and services if those advertising and applications are actually First Heritage advertising and applications and correctly include links to this Privacy Policy.

This Privacy Policy does not apply to:

  • Information from our personnel, including employees or contractors,
  • Information collected by us offline or through any means other than those associated with the Websites and listed above, and
  • Information collected by any third party, including third parties that may link to or be accessible from or on the Websites or through any third third-party application or content (including advertising) that may link to or be accessible from or on the Websites.

We may maintain pages for our company, products, and services on third-party platforms, including social networking services. If you interact with our pages on those third-party platforms, the third-party’s privacy policy governs your interactions on the relevant platform. If the third-party platform provides us with information from your interaction with our pages or your interactions with the third-party platform, we treat that information in accordance with this Privacy Policy.

What Information We Collect

We collect several types of information from and about users of the Websites, including information that may personally identify you, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline (“Personal Information”),

  • Information from you that does not individually identify you,
  • Feedback and correspondence, such as information you provide when you request information from us, receive customer support, or otherwise correspond with us,
  • Information collected by automated means about you, your computer or mobile device, and your activity on the Websites or mobile applications, such as operating system, device identifier, browser type, IP address, general location information, and usage information, including pages or screens accessed, length of access, and navigation paths between pages or screens,
  • If you grant permission to use your device location, we will use the data when checking for nearby branch and ATM locations, If you grant permission to use access photos, media, or other files stored on your device, we will use that information to add an image to a transaction, to attach a document to chat, and add a photo to your profile,
  • If you grant permission to use a camera, we will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile, and
  • Any other information you may provide to us on or through the Websites.

How We Collect Information

We may collect information from you:

  • Directly when you provide it to us, such as through search queries, website transactions, communications, and other types of contacts,
  • Automatically as you navigate through the Websites, including information collected through cookies, web beacons, and other tracking technologies, and
  • From third parties, such as our business partners.

How we Use Automatic Data Collection Technologies

As you use the Websites, we may use automated means to collect certain information about your equipment, browsing actions, and use patterns, including:

  • Details of your visits to the Websites, such as traffic data, location data, logs, and other communication data and the other resources you access and use on the Websites, and
  • Information about your computer and internet connections, such as IP address, operating system, and browser type.

The information we collect through automated means may include Personal Information, or we may maintain it or associate it with your Personal Information collected in other ways. This information helps us to improve the Websites and deliver a better and more personalized service to you, including by enabling us to:

  • Estimate our audience size and usage patterns,
  • Store information about your preferences which allows us to customize the Websites according to your individual interests,
  • Speed up your searches, and
  • Recognize you when you return to the Websites.

We may use the following technologies for automatic data collection:

  • Browser cookies – The Websites may use cookies, small files placed on your computer, you can refuse to accept browser cookies by activating the appropriate setting in your browser.
  • Flash cookies - Certain features of our websites may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigations to, from, and on the Websites. To learn how you can manage your Flash cookies settings, visit the Flash player settings page on Adobe’s website.
  • Web beacons – The Websites may contain small electronic files known as web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) that allows us to track website statistics, such as number of page visits or length of time interacting with Website content, and to verify system and server integrity.

If you disable or refuse automated technologies, some parts of the Websites may be inaccessible or not function properly.

Third-Party Cookies and Other Tracking Technologies

Some content or applications on the Websites may be served by third parties, such as content providers, application providers, and ad networks and servers. These third parties may use cookies alone or with web beacons or other tracking technologies to collect information about you when you use the Websites. They may collect information, including Personal Information, about your online activities over time and across different websites and online services. We do not control third party tracking technology or how it may be used. If you have any questions about any targeted content, you should contact the responsible provider directly.

How We Use Your Information

We may use information that we collect about you or that you provide about us:

  • To provide the Websites and the content to you,
  • To provide you with information, products, or services that you request from us,
  • To fulfill any other purpose for which you have provided us information,
  • To provide you with notices about your account, including expiration and renewal notices,
  • To carry out our obligations and enforce our rights arising from any contracts between you and us, including for billing and collection,
  • To notify you about changes to the Websites and any related products or services,
  • To allow you to participate in interactive features on the Websites,
  • For marketing purposes,
  • To develop or improve our products and services,
  • To develop and create analytics, such as industry and fraud trends,
  • In any other way we may describe when you provide the information, and
  • For any other purpose with your consent

How We Disclose Your Information

We may disclose your information for lawful business purposes, including:

  • To our subsidiaries and affiliates,
  • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them,
  • To a buyer or other successor in the event of a merger, sale, or transfer of some or all our assets,
  • To third partied to market their products or services to you if you have not opted out of these disclosures and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them,
  • To fulfill the purpose for which you provide it, such as your email address in a contact form,
  • To comply with a court order, law, or legal process,
  • To enforce our terms of use and other agreements, including for billing and collection purposes,
  • If we believe it necessary or appropriate to protect our rights, property, or the safety of our members or others,
  • For any other purpose we may describe when you provide the information, and
  • For any other purpose with your consent.

We are not responsible for the privacy practices of third parties.

Your choice about how we use and Disclose Your Personal Information

We provide you with choices regarding the Personal Information we collect, or you provide to us.

  • Tracking technologies and advertising – You can set your browser to refuse all or some browser cookies. To learn how to manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, some parts of the Websites may be inaccessible or not function properly.
  • Accessing, modifying, or deleting your information – Applicable law may provide you with the right to access, modify, or delete your personal information. Contact us to request access to modify, or delete your personal information. Be aware that we may not be able to provide access to modify, or delete your personal information in all circumstances.

We do not control third party collection or use of your information. However, these third parties may provide you with ways to choose not to have your information collected or us in this way.

Data Security

We implement appropriate security measures to protect your Personal Information from accidental loss and unauthorized access, use, alteration, and disclosure. All Personal Information you provide to us is stored on our secure servers behind firewalls. We limit access to your Personal Information to those employees, agents, and contractors who have a business need to know.

Although we do our best to secure your Personal Information, we cannot guarantee its security. Any transmission of Personal Information to the Websites is provided at your own risk. We are not responsible for circumvention of any privacy and security measures.

You are also responsible for data security. If you have log in credentials to access certain parts of the Websites, you are responsible for keeping those credentials confidential. You are responsible for the security of your devices and internet connections.

Links to Other Websites

The Websites may link to third-party websites, mobile applications, or other content. We are not responsible for the privacy practices of any third party or for the content of any third party. We do not guarantee, approve, or endorse information, material, services, or products contained on or provided through any linked third-party website, mobile application, or content.