Information we collect
We only collect information about you for lawful business purposes, or as otherwise required by law, including:
• Information we receive on applications or other information you provide to us
• Information about your identity, such as name, address, tax identification number (i.e. social security number) and driver’s license number
• Information about member transactions with us, our affiliates, or others
• Information we receive from credit and consumer reporting agencies
• Certain information when you visit our website:
Website Information. When you visit our website, our server automatically collects non-identifying information in aggregate. This includes items such as: (1) date and time our site was accessed; (2) domain name and IP address (for example, “aol.com” or “ncua.gov”); (3) web browser used; (4) pages accessed; and (5) city, state and country. This information is retained in aggregate and is used to find out how many people visit our site. This information helps us continually evaluate our website usage and further assists us in personalizing the experience of using our website.
E-mail. When you send us an e-mail, we maintain the e-mail address to respond to questions or comments, or to send information and offers regarding the credit union’s services.
Cookies.* Unlike some companies and organizations, we do not use cookies to collect personal information, information to determine who you are, or your e-mail address. Cookies collected by us do not read data off your hard drive and do not read cookie files created by other websites. For your protection, we use cookies for security purposes with online transactions, web-based applications and communications; therefore, you must accept cookies to conduct these activities. You can access our website at any time without accepting a cookie, however.
Categories of information we disclose
To benefit our members and former members, we only share the information described in the section above with certain trusted third parties described in this paragraph, including other institutions with which we have joint marketing agreements. We use the services of various third parties to assist us in offering financial services to our members. For example, we use the services of third parties for processing or facilitating transactions using credit cards, checks (share drafts), debit cards and other access devices, including home banking; for assistance in making loans, loan underwriting; processing loan applications; appraising collateral; statement printing; bookkeeping and accounting; consulting and business development services; and for processing our outgoing mail. We also work with companies such as CUNA Mutual Insurance Society and Members Financial Services offered through CUNA Brokerage Services, Inc., that may provide financial services such as financial planning, financial counseling, investment services, extended automotive service contracts, personal, property or other insurance, credit counseling, retail automobile sales and travel services to you. In all such instances, we will only provide information to parties who meet our security and privacy standards, and who agree in writing to hold all member information confidential. We do not permit these companies to sell our member information to other third parties.
To conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow instructions you authorize, or protect the security of our financial records.
Security
We have substantial security measures in place to protect against the loss, misuse, or alteration of information that is under our control. We also use the latest firewall and encryption technologies to protect individual identifying information transmitted over the Internet.
NOTE: Regular, non-encrypted e-mail is not secure. Accordingly, we encourage you to exercise caution regarding any e-mails that are sent through your e-mail service. We provide a direct, secure e-mail function on our website for inquiries which include your personal information.
Our Employees’ Access to Member Information
Employees’ access is restricted to only the information they need to know for business reasons. All employees are trained to respect member privacy, and those who violate our Privacy Policies are subject to disciplinary action.
Links to Third-Party Websites
Our website may contain links to third party websites. We provide these links as a service. We are not affiliated with or an agent of any third party websites that are linked to our website, and when you link to a third party website, you leave our website. We want you to be aware that we are not responsible for the privacy practices of any other website. We encourage you to read the privacy policies of any website you access, especially if individual identifying information is being collected.
Protecting our children
Protecting children’s identities and their privacy online is a major concern for us at South Carolina Federal. We recognize that protecting children is the responsibility of both the online industry and parents. We do not solicit data from or market to children. However,
we may, on occasion, promote children’s products, or sponsor events for children. In these instances, we may collect information as outlined in the preceding sections.
How you can help protect your privacy
Following are some simple ways you can help protect your identity and your private information:
• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with, or write your PIN on, your debit or credit card.
• Use caution when disclosing your account numbers, tax identification numbers, etc. to other persons.
• Never disclose an account number, tax identification number or other private information to someone who calls or e-mails you to request it, even if that person claims to be with South Carolina Federal (or another organization where you have an account). Remember, we already have that information in our files, so we would never call you to get it.
• If your address, phone number or name changes, please let us know immediately so we can update our records. That will help ensure our ability to stop unauthorized or fraudulent activity on your accounts and will allow us to contact you immediately if we suspect that such activity has occurred.
*A “cookie” is a small file of information that a website creates when you visit the site.
If you have any questions concerning this notice, please don’t hesitate to contact us. Your convenience is our top priority.
843.797.8300 Charleston l 803.738.8300 Columbia
843.545.8300 Georgetown l 800.845.0432 Nationwide
