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Privacy Policy

Merck Employees Federal Credit Union Privacy Policy



Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number & Income

  • Account Balances & Payment History

  • Credit History & Credit Score


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Merck Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons Merck Employees Federal Credit Union Can Share Your Personal Information

For everyday business purposes, such as to proceess your transactions, maintain your account(s), respond to court orders and legal investigations or report to credit bureaus. Yes No
For our marketing purposes - to offer our products and services to you. No No
For joint marketing with other companies. Yes Yes
For our affiliates' everyday purposes - information about your transactions and experiences. Yes No
For our affiliates' everyday purposes - information about your creditworthiness. Yes No
For our affiliates to market to you. Yes Yes
For non-affiliates to market to you. No Yes

To Limit Our Sharing

Please include the following information in your communication to the credit union:

  • What information you would like to limit based on the information above.

  • Your Full Name

  • Account Number

  • Address

  • Phone Number

Please Note: If you are a new Member of the Merck Employees Federal Credit Union, the Credit Union can begin sharing your information from 30 days after joining. If you leave the Credit Union, we continue to share your information as described in this Policy. However, you can contact the Credit Union at any time to limit our sharing.

Questions? Call: 732-594-3317

Who We Are

Who Is Providing This Notice?             Merck Employees Federal Credit Union

What We Do

How does the Credit Union protect my personal information?  To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does the Credit Union collect my personal information? We collect your personal information, for example, when you:

  • Open an Account or deposit money

  • Apply for a loan or provide employment information

  • Pay your bills

  • Use your Merck Employees FCU credit card or debit card

  • Give us your contact information

  • Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing?   Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness.

  • Affiliates from using your information to market to you.

  • Sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What Happens When I Limit Sharing For An Account I Hold Jointly With Someone Else? Your choices will apply to everyone on your Account(s).


Affiliates Companies related by common ownership or control or within the U.S. Credit Union movement. They can be financial and nonfinancial companies. Examples include Members Financial Services, a financial planning, investment and insurance affiliate and CUNA Mutual Insurance. Also included is CO-OP Shared Branching (CU Service Centers), a nationwide shared branching network, and the credit union's data and card processors.

Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Examples of this include insurance companies, government agencies, consumer reporting agencies, the credit union's check clearing house, check vendor, credit and debit card processors, wire transfer network, web hosts and statement mailing vendor.

Joint Marketing A formal agreement between non-affiliated companies that together with the credit union market financial products or services to you. Examples of this include Enterprise Car Sales and TruStage. When working with any of the above, the credit union requires a contractual agreement to protect the confidentiality of our members' information. They are not permitted to release, use for their own purposes, or sell any customer information we share with them to any other party.

Other Important Information

Merck Employees Federal Credit Union does not sell member information to anyone. Be aware that there may be occasions where the credit union is legally required to disclose information about current and former members, such as in response to a subpoena, to prevent fraud, or to comply with a legally permitted inquiry by a governmental agency or federal regulator.

At Merck Employees Federal Credit Union, employee access to member information is authorized for business purposes only and is based on the sensitivity of the information and our employees’ or agents’ need to know. We educate our employees regularly of their obligation to maintain the confidentiality of member information at all times.

Merck Employees FCU's mobile applications, both for mobile banking and plastic card management, periodically collect, transmit and use geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the solution is being used or not at all, depending on the End User's selection. The End User can change his/her/their location permissions at any time in their device settings.

The Credit Union’s goal is to maintain complete and accurate information about you and your Accounts to provide you with the best service and to safeguard you and your Accounts against fraud. If you believe the Credit Union’s records contain inaccurate or outdated information, you should notify the Credit Union immediately in writing. This includes the correct spelling of your name with any name changes, your current address, email address, phone number and cell phone number. Upon receipt of your letter, the Credit Union will correct any inaccuracies or update your records at once.


Merck Employees Federal Credit Union Mobile App Privacy Policy

Last Updated: December 2021

Merck Employees Federal Credit Union Mobile App (the “App”)—powered by Fiserv—helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.

The App allows you to:

  • Get real-time balances for your accounts.

  • Manage your money.

  • View your transactions and statements.

  • Make transfers.

  • Pay your bills and manage billers.

  • Deposit a check.

  • Receive alerts.

  • Manage cards.

This Privacy Policy, in combination with other relevant privacy notices that we provide—Example: pursuant to financial privacy laws—is to inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website, and mobile application (the “Services”).


Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us

  • We may collect personal information from you, such as your first and last name, address, email, telephone number, and social security number when you create an account.

  • We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

  • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.

  • We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties—We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology—We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:

  • Device data, such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.

  • Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

  • Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.

  • Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

  • Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

  • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.


(a) General Use—In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:

  • Facilitate the creation of, and secure and maintain your account;

  • Identify you as a legitimate user in our system;

  • Provide improved administration of the Services;

  • Provide the Services you request;

  • Improve the quality of experience when you interact with the Services;

  • Send you administrative email notifications, such as security or support and maintenance advisories; and

  • Send surveys, offers, and other promotional materials related to the Services.

(b) Compliance and protection—We may use your personal information to:

  • Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;

  • Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

  • Audit our internal processes for compliance with legal and contractual requirements and internal policies;

  • Enforce the terms and conditions that govern the Service; and

  • Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

(c) Creation of Non-Identifiable Data—The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.


We disclose your personal information collected through your use of the Services as described below.

(a) In Accordance with Our Other Privacy Notices—Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

(b) Third Party Service Providers—We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

(c) Authorities and Others—Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.


The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site, and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.


You have several choices regarding use of information on the Services.

(a) How We Respond to Do Not Track Signals—Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information—You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.

(c) Opting Out of Email or SMS Communications—If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

(d) Opting Out of Location Tracking—If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.


We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.


The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.


This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.


If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at:; or by mail at: 397 Upton Place Rahway, NJ 07065