Cookie Policy

Effective Date: June 29, 2026

This Cookie Policy explains how Farmers Insurance Federal Credit Union ("FIGFCU," "we," "us," or "our") uses cookies and similar tracking technologies (such as web beacons and pixels) when you visit our website at https://www.figfcu.org. It describes what these technologies are, why we use them, which third-party vendors deploy them, and how you can control their use.

Cookies are small text files placed on your device that allow us to recognize your browser, remember your preferences, and collect information about your interactions with our website. We use this information to keep our site secure, improve your experience, understand how our site is used, and — where you have not opted out — to support interest-based advertising.

1. How We Use Cookies

We use cookies and similar technologies for the following purposes:

• Security and fraud prevention — to detect and prevent fraudulent activity and protect your account
• Authentication and session management — to recognize you when you log in and maintain your session
• Functionality and personalization — to remember your preferences and settings
• Performance and analytics — to understand how visitors use our site and improve its design
• Advertising and targeted content — to deliver ads relevant to your interests, where permitted
• Social media integration — to enable content sharing with social networks

2. Categories of Cookies We Use

2.1 Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be disabled. They are set in response to your actions — such as logging in, filling out forms, or setting privacy preferences. No personally identifiable information is stored, and these cookies cannot be rejected through our Cookie Consent Manager.

Data collected: Session identifiers, authentication tokens, CSRF tokens. All data is de-identified or session-scoped and not linked to your identity.

2.2 Functional Cookies

These cookies enable enhanced functionality and personalization. They may be set by us or by third-party providers integrated into our site. Disabling them may cause some features to not work as intended.

Data collected: Language preferences, region settings, previously viewed content. May be linked to a device identifier but not directly to your name or account.

2.3 Sale or Sharing of Personal Data and Targeted Advertising

Third-party trackers collect information to use for analytics and to personalize your experience with targeted ads. Under applicable U.S. state privacy laws, you may have the right to opt out of the sale of your personal data to third parties of targeted advertising, and of certain types of profiling. You may exercise your rights using the toggles in our Cookie Consent Manager. If you opt out, the ads and content you see may not be as relevant to you. For more details, see our Privacy Policy.

2.4 Performance / Analytics Cookies

These cookies allow us to count visits and measure traffic patterns so we can improve site performance. All data collected is aggregated and, where possible, de-identified. We will not know when you have visited our site if these cookies are disabled.

Data collected: Pages visited, time on site, referral source, browser/device type, approximate location (city level). Data is aggregated and de-identified.

2.5 Targeting / Advertising Cookies

These cookies may be set through our site by advertising partners. They are used to build a profile of your interests and display relevant ads on other sites. They do not store your name or financial information directly, but they do uniquely identify your browser or device. You may opt out of these cookies at any time via our Cookie Consent Manager.

Data collected: Browser identifiers, IP address (truncated), browsing behavior, inferred interests. Linked to a device or browser identifier; not directly linked to your name or account.

2.6 Social Media Cookies

These cookies are set by social media platforms whose share or like buttons we have embedded on our site. They may track your browser across other sites and build a profile of your interests. If you do not allow these cookies, social sharing features may not work.

Data collected: Social media identifiers, interactions with embedded content. Linked to your social media account if you are logged in.

3. Third-Party Vendors

To deliver and improve our website, support member services, and measure the effectiveness of our communications, we share certain data with third-party vendors. These vendors may set cookies or similar tracking technologies on your device on our behalf. We share data with third parties only as necessary to provide the services described below, and we require our vendors to handle your information in accordance with applicable law. The use of certain third-party technologies — particularly those used for advertising and audience targeting — may constitute a "sale" or "sharing" of personal information under applicable U.S. state privacy laws. You may opt out of these uses at any time via our Cookie Consent Manager or by sending a Global Privacy Control (GPC) signal from your browser.

The table below identifies the third-party vendors whose technologies are active on our site, along with their functional category and a link to their privacy policy.

4. Sale, Sharing, and Targeted Advertising — Your Opt-Out Rights

Depending on your state of residence, applicable U.S. privacy laws may give you the right to opt out of:

• The "sale" of your personal information to third parties
• The "sharing" of your personal information for cross-context behavioral advertising
• Targeted advertising using your personal information
• Certain types of automated profiling

How to Exercise Your Opt-Out Rights

Cookie Consent Manager: Use our Cookie Consent Manager (accessible via clicking the floating "cookie" icon on the bottom left-hand corner of the website) to toggle off Targeting and/or Performance cookies at any time.

Global Privacy Control (GPC): We honor GPC browser signals as a valid opt-out of sale and sharing in states where required (California, Colorado, Connecticut, Oregon). No additional action is needed if your browser sends a GPC signal.

Your opt-out preference will be saved and applied to future visits on this device and browser. If you clear your cookies or use a different device, you may need to re-set your preference.

5. Other Tracking Technologies

In addition to cookies, we may use web beacons (also called "tracking pixels" or "clear gifs") — tiny graphic files that contain a unique identifier allowing us to recognize when someone has visited our website or opened a marketing email. Web beacons are typically reliant on cookies to function, so declining cookies will limit their operation.

We may also use device fingerprinting or similar technologies in limited circumstances for fraud prevention and security purposes. These technologies are not used for advertising.

6. Your Cookie Choices

You have several options to control cookies:

• Cookie Consent Manager — use the floating "cookie" icon on the bottom left-hand corner of our website to manage your preferences by category
• Browser settings — most browsers allow you to block or delete cookies; see your browser's help documentation for instructions
• Opt-out tools — for interest-based advertising, you may also use the Network Advertising Initiative opt-out tool at optout.networkadvertising.org or the Digital Advertising Alliance opt-out at optout.aboutads.info
• GPC signal — configure your browser to send a Global Privacy Control signal to automatically opt out in applicable states

Blocking or deleting certain cookies may affect your ability to use features of our website, including secure login and online banking services.

7. Questions and Contact Information

If you have questions about our use of cookies or wish to exercise your privacy rights, please contact us: