Privacy Policy

This privacy policy covers personal information about consumer customers who obtain products from FNIC for personal, family, or household purposes. This policy is provided to you as required by federal law. You do not need to take any action as a result of receiving this privacy policy.

Although this notice does not apply to business and commercial accounts, safeguarding our business and commercial customers’ information is important and we take steps to protect such information.

Except as described below or as permitted by law, we do not disclose personal information about our customers or former customers.

At FNIC, we appreciate the trust you have placed in us and understand the importance of protecting your personal information. Protecting your privacy and the personal information you entrust to us is a priority. We maintain physical, electronic, and procedural safeguards to protect your personal information. We take steps to restrict access to personal information about you to employees who need that information for business purposes. Our employees are subject to a Code of Ethics that requires them to treat personal information as confidential.

We collect personal information about you from the following sources:

1. Information you provide to us – Personal information that you provide to us on applications and through other correspondence, such as your name, address, social security number and personal financial information.

2. Transaction and Experiences – Personal information about your transactions and experiences with us and our affiliates, such as your account balance and payment history.

3. Information we received from third parties – Personal information non-affiliated parties provide to us about you, such as your claims history, driving record, credit history, and public records.

We may disclose personal information about your transactions and experiences with us to our affiliates.

We may disclose personal information about you to non-affiliated third parties as permitted by law. This may include all of the personal information we collect about you that is necessary to secure and service our products. Additionally, personal information may be disclosed in connection with a subpoena or similar legal requirements, in connection with audits, to process a transaction you requested, and to prevent fraud or unauthorized use.

We may disclose all of the personal information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.