Effective January 1, 2023

Online Privacy Policy

First South Financial Federal Credit Union  your member-owned financial institution, is committed to providing a safe place to save and borrow money at very competitive rates. First South Financial FCU is equally committed to protecting consumers’ privacy and you can be confident that financial privacy is a priority. This Online Privacy Statement applies to First South Financial Credit Union's webpages, FSFFCU-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.”

The terms “First South Financial,” "First South", "FSFFCU", “we,” “our,” or “us” refers to First South Financial Federal Credit Union and any affiliates or subsidiaries.

Information We Collect About You

When you visit our digital property, you may be asked to provide information about you that is personally identifiable (“Personal Information”). This may include:

• Your first and last name;
• A home or physical address;
• An email address;
• A telephone number;
• A tax identification number;
• A driver’s license; and
• Any other personal information you may provide when doing business with us.

In addition, we may collect and store the following information about your visit: the IP address from which you access our Site; the type of browser and operating system used to access our Site; the date and time you access our Site; the internet address of the site from which you linked directly to our Site; geolocation (for branch and ATM locations and fraud purposes only); the pages you visit and the information you request.

How This Information is Collected

We collect personal information about you when you:

• Visit our Site and use our Mobile App;
• Apply for an account;
• Apply for one of our many products or services;
• Enter one of our contests or sweepstakes; and
• Contact us with general inquires.

How This Information Is Used

We use your personal information, only as permissible by law, to:

• Verify your identity;
• Prevent fraud and ensure security of your account;
• Process transactions;
• Communicate with you;
• Manage your preferences;
• Provide you advertisements about our products and services;
• Perform analytics concerning your use of our online services;
• Administer and improve our Site and Mobile App and other sites; and
• Comply with applicable legal requirements, contractual obligations and our policies.

We retain personal information for a period of time that is required by law and is necessary for our business purposes only.

Information We Share

We may share the information we collect about you with our affiliates and service providers in order to provide the products and services you request; to send you Credit Union advertisements and other communications; and with other third parties to comply with legal requirements. We do not sell consumer personal information.

Cookies and "Do Not Track" Mechanisms

A cookie is a small piece of data from a website that is stored on your internet browser to aid when you are visiting websites online. A cookie is a way for website to recognize whether or not you have visited the site before and any preferences you’ve previously established. The cookie can be read by the website that “set” the cookie.

You may elect to set your web browser to inform you when cookies are set, prevent them from being set, or enable your web browser’s “Do Not Track” signal or similar mechanism. However, if you elect to prevent cookies from being set or enable your web browser’s “Do Not Track” signal or similar mechanism, some web banking functions may not work properly.

We use cookies for advertising our products and services and for administrative purposes, such as online banking session management, or in areas where you are able to customize the information you see (i.e., manage your preferences). The use of cookies makes your online experience easier and more personal.

Third-Party Website Links

We may provide links to websites that are owned or operated by other companies. When you use the links on our Site or Mobile App to visit a third-party website, you will be subject to that website’s privacy and security policies, which may differ from ours. Please review their privacy and security policies carefully before providing any personal information on their websites.

Sharing Your Information

We disclose personal information with our affiliates and service providers only as permitted by law in connection with the administration, processing or servicing of accounts, our Site and Mobile App. We will also share personal information with third parties to comply with legal requirements such as subpoenas, court orders or other legal processes.

Mobile Banking App Location Information

Our websites and our Mobile Banking app periodically collect, transmit, and use geolocation information to support features such as determining your zip code, finding your nearest Branch or ATM and preventing fraudulent card use, but only if you authorize collection of such information.

On our websites, you can choose whether geolocation information can be monitored by clicking the “Allow” button when prompted. Using our Mobile Banking app, you may choose whether geolocation information can be followed on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.

Mobile App Push Notifications & Location Services

Push notifications will only be eligible for members with the First South Financial FCU Mobile app installed on their device, and have notifications turned on in their device settings.

What are Push notifications?

First South Financial FCU is now offering push notifications! Push notifications are messages sent directly to your mobile device. First South Financial members will receive limited-time offers, update on new and convenient mobile app features, and more! Push notifications will also be used to alert members if inclement weather or other issues are impacting our branch network or call center. App users can turn on or turn off push notifications at any time using their device settings (outside of the First South Financial app). If you don't have the First South Financial mobile app, you can download it for free from the Apple App Store or Google Play Store.

Protecting Your Information, Confidentiality and Security

We are committed to protecting your personal information. We maintain physical, electronic and procedural safeguards that comply with federal and state standards to guard your personal information. We maintain strict oversight of our third-party service providers to ensure confidential information remains private and secure.

Making Sure Your Information is Accurate

If you are a registered Digital Banking user, you may review and maintain your information by logging in to Digital Banking and selecting the “My Profile” tab. You can also request and/or update your information by calling us at (901) 380-7400, by writing to us at First South Financial, 6471 Stage Road, Bartlett, TN 38134, or by visiting your local First South Financial banking center.

Children's Online Privacy Protection Act Disclosure

The Children’s Online Privacy Protection Act of 1998 (“COPPA”) restricts the collection, use or disclosure of personal information from and about children under the age of 13 on the internet. We are committed to protecting the online privacy of the children who visit our Site and Mobile App.

In general, our Site and Mobile App are not directed to children under the age of 13 and we request that children under the age of 13 not provide personal information through these channels. We may, however, elect to provide contest information online for our youth Members, which includes children under the age of 13. Youth Members who identify themselves to be under the age of 13 will not be permitted to submit any personal information online.

We may collect information on domain names, dates and times of visits, and number of page views. This information contains no personal information and will only be used to continue to improve the overall value of our Site. We do not knowingly collect, use or disclose personal information from children under 13 online without prior parental consent. Visit the Federal Trade Commission website for more information about COPPA.

Updates to This Policy

This Policy is subject to change at any time. Please review it periodically. We will revise the “Effective Date” stated at the top of this Policy at the time any material changes to the Policy are made. Your use of the Site and Mobile App following these changes means that you accept the revised Policy.

Contact Us

If you have any questions regarding this policy, call us at 901-380-7400 or email us at mail@firstsouth.com.

You can also write to us at:

First South Financial
6445 Stage Road
Bartlett, TN 38134