1st Advantage Federal Credit Union SMS Privacy Policy

Effective Date: 05/26/26

National Do Not Call Registry: National Do Not Call Registry

Introduction

At 1st Advantage Federal Credit Union, protecting your privacy is a priority. This SMS Privacy Policy explains how we collect, use, and safeguard your information when you opt into our SMS messaging program. By enrolling, you agree to these terms, which are designed to comply with applicable Telephone Consumer Protection Act (TCPA) requirements, FCC guidance, Campaign Registry standards, and CTIA Best Practices.

  1. Information We Collect

We may collect the following information when you participate in our SMS program:

  • Phone Number: The mobile number you provide to receive text messages.
  • Message Interaction Data: Delivery confirmations, response activity, and engagement metrics.
  • Consent Records: Information related to your opt-in consent, including date, time, and method of consent (web form, paper form, verbal authorization, or keyword opt-in).
  1. How We Use Your Information

We use your information to:

  • Send SMS messages including alerts, reminders, notifications, marketing messages, and account-related updates based on your preferences.
  • Maintain records necessary for regulatory compliance.
  • Improve messaging services and member engagement.
  • Support operational and security-related communications.
  1. One-to-One Consent Requirement

Your SMS opt-in consent applies solely to 1st Advantage Federal Credit Union. Your consent will not be shared with third parties or affiliates for their own marketing purposes unless you separately and expressly authorize such sharing.

  1. Message Frequency & Data Rates

Message frequency may vary depending on the services and alerts you enroll in. Standard message and data rates may apply according to your mobile carrier plan. Contact your wireless provider for details regarding your messaging and data charges.

You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. NO CONFIDENTIAL INFORMATION SHOULD BE SENT VIA TEXT MESSAGE. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.

You agree to indemnify us for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify us if you change your telephone number, including but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act of 1991 (TCPA), as amended from time to time

  1. Opt-Out & HELP Instructions

You may opt out of SMS communications at any time by replying:

  • STOP to unsubscribe
  • HELP for assistance

You may also contact us directly for support:

  • Email: digitalservices@1stadvantage.org
  • Phone: (757) 877-2444
  1. Data Sharing & Disclosure

1st Advantage Federal Credit Union does not sell your personal information or mobile opt-in data.

We may share information with trusted service providers, mobile carriers, and platform providers solely as necessary to facilitate SMS delivery and support program operations. These parties are contractually obligated to maintain confidentiality and safeguard your information.

We honor applicable Do Not Call (DNC) protections and maintain compliance with federal SMS communication regulations.

  1. Security of Your Information

We implement reasonable administrative, technical, and physical safeguards designed to protect your information. However, no electronic transmission or storage method can be guaranteed to be completely secure.

  1. Record-Keeping & Proof of Consent

We retain records of opt-ins, opt-outs, consent methods, timestamps, and related communications as required to demonstrate compliance with applicable laws and industry standards.

  1. Changes to This Policy

We may update this SMS Privacy Policy periodically to reflect legal, regulatory, or operational changes. Updated versions will be posted on our website. Continued participation in the SMS program after updates constitutes acceptance of the revised policy.

  1. Contact Us

If you have questions about this SMS Privacy Policy or wish to update your communication preferences, please contact:

1st Advantage Federal Credit Union

  • Email: digitalservices@1stadvantage.org
  • Phone: (757) 877-2444
  • Address:
    1st Advantage Federal Credit Union
    P.O. Box 2116
    Newport News, VA 23609

1st Advantage Federal Credit Union SMS Terms and Conditions

Effective Date: 05/26/2026

Introduction

By enrolling in the SMS messaging program provided by 1st Advantage Federal Credit Union, you agree to receive recurring text messages, including notifications, reminders, account updates, and promotional communications, at the mobile number you provide. Participation is subject to these Terms and Conditions and applicable federal regulations and industry guidelines.

  1. Opt-In Consent

Your participation in our SMS program requires explicit consent. By opting in, you agree to receive SMS communications from 1st Advantage Federal Credit Union only.

Consent to receive SMS messages is not a condition of purchasing any product or service.

You may opt in through methods including:

  • Online forms
  • In-person paper forms
  • Verbal authorization
  • SMS keyword enrollment
  • Other approved consent methods
  1. Message Frequency

Message frequency may vary depending on your enrollment preferences, account activity, and services requested.

  1. Message & Data Rates

Message and data rates may apply according to your mobile carrier plan. 1st Advantage Federal Credit Union is not responsible for carrier fees or delays in message delivery.

  1. Opt-Out Instructions

You may unsubscribe from SMS communications at any time by replying:

  • STOP to cancel messages
  • HELP for assistance

After opting out, you may receive one final confirmation message confirming your removal from the program.

  1. Privacy

Your mobile number and SMS interaction data are governed by our SMS Privacy Policy and our general Privacy Policy available on our website.

Your information is used solely for operational, servicing, and communication purposes consistent with your consent and applicable laws.

  1. Record Retention & Compliance

1st Advantage Federal Credit Union maintains records of consent, opt-outs, timestamps, and enrollment methods to comply with applicable legal and regulatory requirements.

  1. Service Availability

SMS delivery is subject to effective transmission by your wireless carrier and network availability. We do not guarantee uninterrupted or error-free messaging services.

  1. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Updates will be posted on our website and may also be communicated through SMS or other appropriate channels. Continued participation in the SMS program constitutes acceptance of any revised terms.

  1. Contact Information

For questions regarding our SMS program or these Terms and Conditions, contact:

1st Advantage Federal Credit Union

  • Email: digitalservices@1stadvantage.org
  • Phone: (757) 877-2444
  • Address:
    1st Advantage Federal Credit Union
    P.O. Box 2116
    Newport News, VA 23609