FCBA is committed to protecting your privacy and developing technology that gives you a powerful and safe online experience. This Statement of Privacy applies to the FCBA Website and governs data collection and usage. By using the FCBA Website, you consent to the data practices described in this statement.

Collection of your Personal Information

FCBA collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. FCBA also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by FCBA. This information can include: your IP address, browser type, domain names, access times and referring Website addresses. This information is used by FCBA for the operation of the service, to maintain the quality of the service, and to provide general statistics regarding use of the Website.

If you directly disclose personally identifiable information or personally sensitive data through FCBA public message boards, this information may be collected and used by others. Note: FCBA does not read any of your private online communications.

FCBA encourages you to review the privacy statements of Websites you choose to link to/from FCBA, so that you can understand how those Websites collect, use and share your information. FCBA is not responsible for the privacy statements or other content on Websites outside of the FCBA and FCBA family of Websites.

Use of your Personal Information

To operate the FCBA Website and deliver the services you have requested, FCBA collects and uses your personal information. FCBA also uses your personally identifiable information to inform you of other products or services available from FCBA and its affiliates. FCBA may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

FCBA does not sell, rent or lease its customer lists to third parties. FCBA may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, FCBA may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to FCBA, and they are required to maintain the confidentiality of your information.

FCBA does not collect, use, or disclose sensitive personal information, such as race, religion or political affiliations, without your explicit consent.

FCBA keeps track of the Websites and pages our customers visit within FCBA, in order to determine what FCBA services are the most popular and effective. This data is used to deliver customized content and advertising within FCBA to customers whose behavior indicates that they are interested in a particular subject area.

FCBA Websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on FCBA or the site; (b) protect and defend the rights or property of FCBA; and, (c) act under exigent circumstances to protect the personal safety of users of FCBA, or the public.

Use of Cookies

The FCBA Website uses "cookies" to personalize your online experience. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

The purpose of a cookie is to tell the Web Server that you have returned to a specific page, a convenience feature to save you time. For example, if you personalize FCBA pages, or register with FCBA site or services, a cookie helps FCBA to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same FCBA Website, the information you previously provided can be retrieved, allowing you to easily use the FCBA features that you customized.

You have the ability to accept or decline cookies. Most Web Browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the FCBA services or Websites you visit.

Security of your Personal Information

FCBA secures your personal information from unauthorized access, use or disclosure. FCBA secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

FCBA will occasionally update this Privacy Statement to reflect company and customer feedback. FCBA encourages you to periodically review this Statement to be informed of how FCBA is protecting your information.

Contact Information

FCBA welcomes your comments regarding this Privacy Statement. If you believe that FCBA has not adhered to this Statement, please contact FCBA at We will use commercially reasonable efforts to promptly determine and remedy the problem.

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