SCU is committed to protecting the privacy of its members and other users of its Services. This Online Privacy Policy, in combination with other relevant privacy notices that we provide to you pursuant to financial privacy laws, including the Consumer Privacy Policy, explains how we collect, use, share, and protect the personal information that our service providers and we collect from or about users in connection with the products and services, including mobile and online services, offered by SCU (collectively the “Services”).
If you are a U.S. consumer and have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Policy, which offers you certain choices with respect to the use and sharing of your personal information.
Types of Information We Collect
Through your use of the Services that you choose and how you interact with us, we may collect personal information from you in the following ways:
Personal information you provide to us.
Provide contact information, such as your name, address, email, telephone number, and social security number.
Account and transaction information, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history, necessary to provide you with Services.
If you provide feedback or contact us via email or other electronic channels, we will collect your name and email address, as well as any other content included in the communication, to reply to you.
Personal information collected by technology.
Device data, such as your device type, e.g., phone, tablet, operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, IP address, unique identifiers, language settings, mobile device carrier, and network connection type.
Online activity data, such as pages or screens you viewed, time spent on a page or screen, clicks on a page or screen, the website you visited before browsing to Services, access times, and duration of access.
Cookies are text files stored on devices to uniquely identify the user or store information or settings in the browser to help remember preferences, enable functionality, and understand user activity and patterns.
Web beacons, which are used to demonstrate that a webpage or email was accessed or opened or that certain content was viewed or clicked.
Location information, such as city, state, or geographic area, of the device you use to access Services. If you have enabled location services on your phone and agree to collect your precise location when prompted by the Services, it will send real-time location data. We will use that information to assist you in locating SCU branches and ATMs and for 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; however, without these technologies, you may not be able to use all the features of the Services.
Behavioral biometrics, such as cursor movements, touch interactions, speed and pattern of typing, and other uniquely distinguished patterns, are used in fraud detection and prevention.
Additional sources of information.
Information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some Services.
How We Use Your Information
We use the personal information collected to respond to your requests and to help serve you better. For example, we use personal information in the following ways:
provide the Services you request;
facilitate the creation of, secure, and maintain your accounts;
verify your identity as a legitimate user in our system;
provide improved administration of the Services;
maintain and improve the quality of experience when you interact with the Services;
respond to inquiries and provide member support;
send you administrative email notifications, such as security or support notices; and
send offers and other promotional materials related to the Services.
We may use your personal information for compliance and protection purposes, including but not limited to the following ways:
prevent, identify, investigate, and deter fraudulent, unauthorized, or illegal activity, including cyberattacks and identity theft;
comply with applicable legal requirements, such as to respond to subpoenas or requests from government authorities;
protect our, your or others’ rights, privacy, or safety (including by making and defending legal claims);
comply with legal, government, and contractual requirements and SCU policies; and
enforce the terms and conditions that govern the Service.
How We Share the Information
We may share your personal information collected in accordance with our other privacy notices with third-party service providers, our affiliates, authorities, and others as described below.
We may share your personal information with third-party or affiliated service providers that perform services for or on behalf of us to provide you with the Services, conduct quality assurance testing, facilitate account creation, optimize the Services' performance, and provide technical support.
Regardless of any choices you make regarding your personal information, we may disclose it to law enforcement, government authorities, and private parties for the compliance and protection services described above.
Your Choices Regarding Your Information
You have several choices regarding the use of information on the Services.
Update your information. You can access, update, or correct your information by changing your account preferences. For additional requests, please contact us.
Communications preferences. You can update your communication preference to receive emails or texts by contacting us using the contact information under the “Contact Us” section below, following the applicable electronic prompts to unsubscribe, or unlinking your contact information to electronic communications. Direct communications, including emails and texts, may be required to support some features of the Services (e.g., authentication, transaction details, fraud detection). If you have signed up to receive our email marketing communications, you can unsubscribe anytime by clicking the “unsubscribe” link at the bottom of the email.
You have other choices regarding the use of information from your devices.
Cookies. Some web browsers allow you to accept all cookies, reject all cookies, or notify you when a cookie is set. Each browser is different, so check the “Help” menu to learn how to change your cookie preferences. However, a cookie may be required to use some of the Services' features.
Do not track signals. Some web browsers have incorporated “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 our policy on responding to these signals.
Location data. If you initially allowed the collection of geo-location information through the Services, you could subsequently stop this collection at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Services.
Email web beacons. Most email clients provide user settings that enable you to block the automatic image display, including the web beacons, which prevent the automatic connection to the web servers that host those images.
Safeguards and Retention
We maintain reasonable administrative, technical, and physical safeguards to protect the information in our custody and control against accidental or intentional theft, destruction, loss, and unauthorized access, use, modification, or disclosure. We recommend using secure channels to communicate sensitive or confidential information to us.
We retain your personal information for at least as long as necessary to provide the Services for which the information was collected and as long as necessary for legal and regulatory retention requirements. When the retention period expires, we destroy data maintained in any form.
Links to Other Sites
Our Services may contain links to third-party websites. When you click on a link to any other website or location, you will leave the SCU website or mobile app and go to another site. These other websites may operate independently from us. These links are provided for your convenience and do 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 Online Privacy Policy do not apply to these outside websites. We encourage you to review the privacy policy of every website you visit.
Children’s Privacy
Our Services are not directed towards minors. We do not knowingly collect personal information from minors. We restrict the personal information we collect about children to the information their parents or guardians provide to open an account in their name or designate them as beneficiaries on an account.
Privacy Policy Updates
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in the collection, use, or disclosure of your personal information by posting a notice on the Services with new revision data. Your continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes.
Contact us
If you have any questions or inquiries about this Online Privacy Policy or our data collection or processing practices, or if you want to report any security violations, please contact us by email Info@Southeasterncu.com or by mail at:
Southeastern Credit Union
Attn: Member Services
P.O. Box 2067
Valdosta, GA 31604