Privacy

We respect your privacy and remain transparent about how we use your information.

For consumers as defined in the Gramm-Leach-Bliley Act for credit unions, the Privacy Notice provides important information about how we use and share such information.

Rev. 9/14

FACTS WHAT DOES SOUTH CAROLINA FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

What?

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 and credit card or other debt.
  • Credit history and employment information.
  • Payment history and transaction or loss history.

How?

All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons South Carolina Federal chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does South Carolina Federal share? Can you limit this sharing?

For our everyday business purposes:

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus

 Yes No

For our marketing purposes:

To offer our products and services to you

 Yes No

For joint marketing with other financial companies

 Yes No

For our affiliates’ everyday business purposes:

Information about your transactions and experiences

 Yes No

For our affiliates’ everyday business purposes:

Information about your creditworthiness

 No We do not share.

For our affiliates to market to you

 Yes Yes

For our nonaffiliates to market to you

 No We do not share.
To limit our sharing

Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions?
What we do

How does South Carolina Federal 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 South Carolina Federal collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan.
  • Show your government-issued ID or give us your employment information.
  • Give us your wage statements.

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 nonaffiliates to market to you.

State law 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.
Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies, such as South Carolina Financial Solutions, LLC, also DBA South Carolina Federal Insurance Solutions.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • South Carolina Federal does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • We team with insurance companies and financial advisors for joint marketing efforts.
Rev. 11/22
 

For the purposes of this notice, the terms “we,” “us,” “our,” “credit union,” and “South Carolina Federal Credit Union” mean South Carolina Federal Credit Union.

This Digital Privacy Notice applies to your interaction with any of our online sites, mobile sites, or applications, which we own and control (hereinafter “Digital Interface”), unless a different notice is posted on a particular Digital Interface or otherwise provided to you that supersedes this policy. If a Digital Interface is owned and/or controlled by a third party, that third party’s digital privacy policy will govern, unless otherwise stated. Other privacy policies may also apply in addition to this Digital Privacy Notice. Please consult the additional Privacy Notices linked below.

Please read this Digital Privacy Notice carefully. Your continued use of any of our Digital Interfaces is your consent to this Digital Privacy Notice and your consent to our use and disclosure of information collected from you as described in this Digital Privacy Notice.


What information do we collect?


We may collect any or all of the following types of information:

  • Information related to data generated from your activity, including but not limited to transaction and location information.
  • Technical information related to the device you are using, including but not limited to, your IP address, your operating system, and the browser you are using.
  • Other information collected through cookies, tags, and other technologies, including but not limited to which product pages you visit, what advertisements you view or click on, and how long you view a particular page.


Other parties may also collect information about you when you use our Digital Interfaces:

  • Our service providers may collect information about you in order to provide us with marketing and other services.
  • We may provide widgets, embedded content, or other tools that are owned by third parties, including but not limited to maps, information streaming from another site, and widgets that enable you to share information on social media. The third parties that own these types of tools may have access to information about your browsing history on our Digital Interfaces. You should review information at the third parties’ sites to learn how these third parties collect and use information they collect from you.


How do we use Google Analytics?

We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at https://policies.google.com/technologies/partner-sites.


What are cookies?

Cookies are pieces of information that are stored on your device. Browser cookies are placed by a web server and let the server know when you return to a site you have visited before. Some cookies can be cleared via your web browser. Others may be placed in an Adobe folder on your device; refer to Adobe for information on how to manage these types of cookies. Cookies can be used for various purposes, including but not limited to collecting information about your web browsing, maintaining continuity during an online session, gathering data about how you use our Digital Interfaces, and for anti-fraud and information security purposes.


Can I disable cookies?

Your browser may allow you to manage cookies, including rejecting them altogether. Refer to your browser provider for more information on managing cookies. Please note that disabling cookies may limit the functionality we can provide you through our Digital Interfaces.


What other technologies may be used to collect information?

Additional technologies used to collect information may include, but are not limited to, pixel tags, web beacons, clear GIFs, and Flash objects.


How do we use the information we collect?

Our use of the information we collect from you may include, but is not limited to, the following:

  • Enhancing your experience with our Digital Interfaces, such as by making them more personalized based on the products or services you view and interact with.
  • Measuring the effectiveness of our various advertisements and promotions.
  • Determining how often a particular product or service is viewed or used.
  • Determining which of our products and services are most likely to appeal to you, so we can provide you with related advertisements or other offers.
  • Other purposes, including but not limited to tracking website usage and risk control purposes.


Can I opt out of receiving ads based upon information you collect?

You may opt out of receiving such ads by visiting www.aboutads.info/choices.


Do you collect information from children?

Our Digital Interfaces are not intended for individuals under the age of thirteen (13) years old. We do not knowingly collect information from individuals under the age of thirteen (13) years old, and additionally request that such individuals do not provide personal information through our Digital Interfaces. Please visit the FTC website, www.ftc.gov, for more information about the Children’s Online Privacy Protection Act (COPPA).

Rev. 10/2023

South Carolina Federal Credit Union respects your privacy and we are committed to complying with all federal and state laws and regulations regarding marketing and contact efforts. In an effort to best serve our members, and deliver appropriate and affordable Life Simplified solutions, we may phone or text members who have provided express consent. Members who do not wish to receive promotional or sales phone calls may withdraw their consent at any time by calling (843) 797-8300 or (800) 845-0432 during business hours, mailing a written request to P. O. Box 190012, North Charleston, SC 29419-9012, or visiting a Financial Center. Please include your name as it appears on your account(s), and associated account number(s) on your written correspondence. Please do not send this information via email, as email is not a secure method of communication.

For members wishing to opt out of receiving text messages, please reply STOP. Note that follow up texts from staff and texts related to identity verification will come from different numbers than account and fraud alerts that you have opted in to receive. Since these texts come from different numbers for different purposes, you will need to reply STOP when receiving either or both messages via text. If at any time you wish to opt back in to receiving text messages, please reply Start.

Effective Date: September 28, 2020

Last Reviewed: September 28, 2020

Your privacy is important to us. This California Consumer Privacy Notice explains how South Carolina Federal collects, uses, and discloses personal information related to California residents. We have adopted this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.

This Notice is for California residents only and supplements the information contained in South Carolina Federal's Privacy.

The CCPA does not apply to certain information that is covered by other regulations, such as the Gramm-Leach-Bliley Act (“GLBA”) and the Fair Credit Reporting Act (“FCRA”), therefore, most of the information collected and used by South Carolina Federal is not subject to CCPA.


I. Categories of Information We Collect


We may have collected in the preceding twelve (12) months, the following categories of personal information from consumers or members (some categories may overlap):
Category Examples Collected

A. Identifiers and consumer records information

A real name, alias, postal address, email address, telephone number, account name, Social Security number, driver's license or state identification number, passport number, bank account number, debit card or credit card number, or any other financial information, unique personal identifier, online identifier, Internet Protocol (IP) address, or other similar identifiers.

Yes

B. Protected classification characteristics under state or federal law

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Yes

C. Commercial information

Records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies.

Yes

D. Biometric information

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

No

E. Internet or other similar network activity

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

Yes

 

F. Geolocation data

 

Physical location or movements. For example, IP location and, with your permission in accordance with your mobile device settings, precise geolocation information from GPS-based functionality on your mobile devices.

Yes

 

G. Sensory data

 

Audio, electronic, visual, thermal, or similar information.

Yes

H. Professional or employment-related information

Current or past job history or performance evaluations.

Yes

I. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

No

J. Inferences drawn from other personal information

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

No

II. Categories of Sources of Information We Collect


South Carolina Federal obtains the categories of personal information listed above from the following categories of sources:
  1. From You or Your Authorized Agent – For example, by telephone, email, or from forms you complete or products and services you request.
  2. Indirectly from You – By observing your actions on our website and mobile apps.
  3. Third Party Service Providers to Provide Services or for Our Business Purposes - We collect information from third-party service providers that interact with us in connection with the services we perform or for our operational purposes. For example, a credit report we obtain from a credit bureau to evaluate a loan application, assist in identifying you, or to help us detect security incidents and fraudulent activity.


III. Use of Personal Information


We may use or disclose the personal information we collect for one or more of the following business purposes:
  • To fulfill or meet the reason for which the information is provided. For example, you apply for membership or a loan, we will use that personal information to provide our products and services. The information may also be used to facilitate new/future applications or process transactions.
  • To process your requests, applications, transactions, payments, and prevent transactional fraud.
  • To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third party sites, and via email or text message (with your consent, when required by law).
  • To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
  • To provide you with email alerts, event registrations or other notices concerning our products or services, or events or news that may be of interest to you.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
  • For testing, research, analysis, and product development including to develop and improve our website, products, and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • To meet regulatory requirements, such as the Home Mortgage Disclosure Act.


IV. Sharing Personal Information


We may share your personal information with a third party for business purposes, to perform services for us, or to function on our behalf.

The general categories of third parties we share with are as follows:
  1. Our third party service providers;
  2. Other third parties to help deliver our products and services to you, such as our websites, email communications, social media, or other internet-based messaging;
  3. Our affiliates in an effort to bring you improved service across our family of products and services when permissible under relevant laws and regulations;
  4. Consumer reporting agencies;
  5. Third parties to whom you or your agents authorize the disclosure of your personal information in connection with products or services we provide to you;
  6. Law enforcement and regulatory agencies to comply with our legal and regulatory obligations.

In the preceding 12 months, we may have disclosed the following categories of personal information for a business purpose and, for each category, the following categories of third parties with whom such personal information was shared:



 

Category of Personal Information

(Represented in alphabetical form from the categories listed in Section 1)

Category of Third Parties

(Represented in numerical form from the categories of third parties identified in this Section)

A. Identifiers and consumer records information

1, 2, 3, 4, 5, 6

B. Protected classification characteristics under state or federal law

1, 3, 4, 5, 6

C. Commercial Information

1, 2, 3, 4, 5, 6

D. Biometric Information

N/A

E. Internet or other similar network activity

2, 3, 5, 6

F. Geolocation data

2, 5, 6

G. Sensory data

2, 5, 6

H. Professional or employment related information

1, 2, 4, 5, 6

I. Non-public education information

N/A

J. Inferences drawn from other personal information

N/A

V. Sales of Personal Information


In the preceding twelve (12) months, South Carolina Federal has not sold personal information subject to the CCPA, including personal information of minors under the age of 16. For purposes of this Notice, “sold” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.


VI. California Residents Rights Under CCPA


This section describes the rights under CCPA for California residents and explains how to exercise those rights. You have the right to:
  • Request that we disclose to you, free of charge, the following information covering the 12 months preceding your request:
    • The categories of personal information collected about you;
    • The categories of sources from which personal information was collected;
    • Our business purpose for collecting personal information about you;
    • The categories of third parties with whom we disclosed that personal information; and
    • The specific pieces of personal information we collected about you.
  • Request that we delete personal information collected about you, unless the CCPA recognizes an exception;
  • Be free from unlawful discrimination for exercising your rights under the CCPA.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information and no more than twice within a 12-month period. Making a verifiable consumer request does not require you to create an account with us.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time to process your request (up to an additional 45 days), we will inform you of the reason and extension period in writing.

Any disclosures we provide will only cover the 12-month period preceding the receipt of the verifiable consumer request. In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity. Additionally, we will not honor your request if an exception applies, such as where the personal information that we maintain about you is not subject to the CCPA’s access or deletion rights. The response we provide will explain the reasons we cannot comply with a request if applicable.


VII. How to Exercise Your Rights


Please submit a verifiable consumer request to us by either:


VIII. Questions or Concerns


If you have any questions or comments about this notice or the ways in which South Carolina Federal collects and uses your personal information, please do not hesitate to contact us at:

Phone: (800) 845-0432


Postal Address:

South Carolina Federal Credit Union
Attn: Compliance Department
PO Box 190012
North Charleston, SC 29419-9012

We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will post the updated notice on our website with a new "Last Reviewed" date.