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Privacy Notice / Do Not Call Notice

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 don't share
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share

To limit our sharing
  • Call 843-797-8300 (Charleston) or 800-845-0432 (Nationwide)
  • Visit us online at scfederal.org

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? Call 843-797-8300 (Charleston) or 800-845-0432 (Nationwide) or visit us online at scfederal.org

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.

Do Not Call Notice                                                                                                           Rev. 7/14

South Carolina Federal Credit Union respects your privacy and we are committed to complying with all federal and state laws and regulations regarding telemarketing and other direct marketing 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 written consent to receive such contact. Members who do not wish to receive promotional or sales calls or texts may withdraw their consent at any time by calling 797-8300 or 1-800-845-0432 during business hours, mailing a written request to P. O. Box 190012, North Charleston, SC 29419-9012, or visiting a branch. 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.

If you would like to add your number to the National Do Not Call Registry, applicable to all telemarketers, you may do so by calling 1-888-382-1222, or online at www.donotcall.gov. If your number is already on the National Do Not Call Registry or on South Carolina Federal’s internal do-not-call list, and you received a telemarketing call from someone trying to sell you South Carolina Federal products or services, please let us know at contactcenter@scfederal.org so that we can correct the problem. Please include as much information as possible, especially Caller ID information and the specific offer made during the call.

Digital Privacy Notice

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 Privacy Notice for details on how we may collect and share information with third parties and affiliates.

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.

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 you 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 http://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).

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