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Privacy Policy

Privacy Policy

1stMS.com is committed to protecting the rights of all visitors to 1stMS.com. We are committed to keeping your personal information secure and have created this privacy statement to share our information gathering and dissemination practices for this website.

Information Collection and Use

We will protect your information, and will not release your name, email address or other personal information to any advertiser, merchant, or other third parties not related to 1stMS.com without your permission. We will not give, sell, share, rent, or trade information to others in ways different from what is disclosed in this statement. 1stMS.com stores its records in the United States. 1stMS.com is the owner of the information collected on this website.

Links to Other Sites

The 1stMS.com website may contain links to other websites. Please be aware that we are not responsible for the privacy practices of other websites. When leaving our website, be sure to read the privacy statements of each website that collects personally identifiable information. Our privacy statement applies solely to information collected on the 1stMS.com website.

Security

1stMS.com has security measures in place to protect the loss, misuse, or alteration of customer information stored on our systems. We use industry standard procedures and processes, such as firewalls, encryption, token authentication, application proxies, and monitoring technology to track abuse of our network and its data. When you submit information about yourself to 1stMS.com over the internet, the information may travel over many systems that are not under the control of 1stMS.com. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate and typical physical, electronic, and managerial procedures to safeguard and secure the information we collect online. All employees, contractors and other companies engaged by 1stMS.com for work that involves access to personal information are contractually required to keep the information confidential and not to use it in any way other than what is necessary to perform their work for 1stMS.com.

Cookies

The use of cookies is an industry standard, and most websites use them to provide useful features for you, such as saving your password so you don't have to re-enter it each time you visit a website. 1stMS.com may use cookies to deliver content specific to your interests, for statistical purposes, or to make sure you don't see the same ad repeatedly. Most Internet browsers are initially set up to accept cookies. You can set your Internet browser to refuse cookies, but you may not be able to take full advantage of a website if you do.

IP Address

An IP address is a number automatically assigned to your computer whenever you access the Internet. All computer identification on the Internet is conducted with IP addresses, which allow computers and servers to recognize and communicate with each other. Your IP address does not contain your name but does provide additional demographic information. 1stMS.com does not release IP addresses to advertisers or third parties. We use your IP address to help diagnose or detect problems with our server, for security reasons, to conduct system administration and site analysis, and to administer our website. Any demographic information collected from your IP address is separated from your name and email address to protect your privacy.

Our Mobile App and your Location Data

Our mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored 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.

Notification of Changes to the Privacy Policy

The 1stMS.com Privacy Policy may be updated to increase our users' privacy protection or to improve our information practices. If there are changes made in the future, the changes will not affect information already collected. Any changes to the 1stMS.com Privacy Policy will be available on this page for users to review.

BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT

Scope and Overview

This policy outlines how 1st Mississippi Federal Credit Union, its vendors, and/or the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes. 

Biometric Data Defined

As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier."  “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

Disclosure and Authorization Policy

To the extent that 1st Mississippi Federal Credit Union, its vendors, and/or the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, 1st Mississippi Federal Credit Union must first:

  • Inform each consumer that 1st Mississippi Federal Credit Union, its vendors, and/or the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the 1st Mississippi Federal Credit Union is providing such biometric data to its vendors and the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software;
  • Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
  • Receive consent by the consumer authorizing 1st Mississippi Federal Credit Union, its vendors, and/or 1st Mississippi Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the 1st Mississippi Federal Credit Union, and for 1st Mississippi Federal Credit Union to provide such biometric data to its vendors and the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software.
  • 1st Mississippi Federal Credit Union, its vendors, and/or the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the 1st Mississippi Federal Credit Union’s vendors and the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software may be paid for products or services used by 1st Mississippi Federal Credit Union that utilize such biometric data.


This policy is intended to comply with all federal, state, and local laws.

Purpose for the Collection of Biometric Data

1st Mississippi Federal Credit Union, its vendors, and/or the licensor of 1st Mississippi Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

Disclosure

1st Mississippi Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:

  • First obtaining consumer consent to such disclosure or dissemination;
  • The disclosed data completes a financial transaction requested or authorized by the consumer;
  • Disclosure is required by law or ordinance; or
  • Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

Security

1st Mississippi Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which 1st Mississippi Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.

Retention

1st Mississippi Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of 1st Mississippi Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:

  • The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
  • Request of consumer to destroy the biometric data; or
  • Within 30 days of consumer’s provisioning of biometric data.

Contact Information

If you have any questions about our use, storage, or security of your biometric data you can contact us at: mainoffice@1stms.com.

BIOMETRIC INFORMATION CONSUMER CONSENT

As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by 1st Mississippi Federal Credit Union, its vendors, and/or the licensor of the 1st Mississippi Federal Credit Union’s consumer verification software.  I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the 1st Mississippi Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.