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Privacy & Disclosures

Privacy & Disclosures

PERSONAL INFORMATION
FACTS WHAT DOES SCE FEDERAL CREDIT UNION (SCE FCU) 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 services you have with us. This information can include:

  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores


When you are no longer our customer, we continue to share your information as described in this notice.

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 SCE FCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Reasons we can share your personal information Does SCE FCU 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 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 No 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 No
For our affiliates to market to you No No
For nonaffiliates to market to you No No
To limit our sharing
Questions? Call 800.866.6474 or send us an email.
How does SCE FCU protect my personal information?
What we do  
How does SCE FCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. The measures include computer safeguards and secured files and buildings.
How does SCE FCU collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
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 laws and individual companies may give you additional rights to limit sharing.
Affiliates
Definitions  
Affiliates

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

SCE FCU’s affiliates include financial companies such as Community Mortgage Funding and Member Advantage Insurance Services.

Nonaffiliates

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

SCE FCU does not share with 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.

SCE FCU does not jointly market.

Online Privacy Policy

Online Privacy Policy

Purpose

To effectively communicate SCE FCU’s policy regarding the privacy of the personal information of persons that visit scefcu.org.

Introduction

SCE Federal Credit Union (“SCE FCU”) understands the importance of protecting your privacy. Our goal is to maintain your trust and confidence when handling your personal information. We are committed to maintaining the confidentiality of your personal information consistent with state and federal laws. This Online Privacy Policy (“Policy”) describes how SCE FCU collects, uses, shares, and protects information when you visit or use scefcu.org (“the Website”). By using the Website, you consent to the terms and conditions of this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy. The term “us,” “we” or “our” in this Policy refers to SCE Federal Credit Union.

Collecting, Using & Sharing Information

How We Collect Information
“Cookies” are pieces of information that are stored directly on your computer, smartphone or other internet access device. Browser cookies are assigned by a web server to the browser on your device. When you return to a website you have visited before, your browser gives this data back to the server. When you visit the Website, we may use cookies and information gathered through their use to personalize your experience with us based on the products, services and other interactions you have with us. Information gathered through the use of cookies may be used to make offers to you via online ads, email, US mail or telephone, subject to the privacy preferences you have on file with SCE FCU. Cookies we use do not contain or capture unencrypted personal information.

The browsers of most computers, smartphones and other internet access devices are set up to accept cookies. You can refuse to accept these cookies through your browser settings. You will need to manage your cookie settings for each device and browser you use. If you choose to reject cookies, you may not be able to use the full functionality of the Website. For example, if we are not able to recognize your device, you will need to answer a challenge question each time you log on. You also may not receive customized advertising or other offers from us that may be relevant to your interests and needs.

How We Respond to “Do Not Track” Signals
“Do Not Track” (“DNT”) refers to an HTTP header used by Internet web browsers to request that a web application disable its tracking or cross-site user tracking. When DNT is enabled, a user’s web browser adds a header to content requests indicating that the user does not want to be tracked. Applicable law requires us to disclose how we respond to web browser DNT signals. We do not respond to or take any action with respect to a DNT configuration set in your internet browser, and therefore, there is no reason to disable tracking related to SCE FCU’s online presence.

Personal Information We Collect
When you interact with us via our Website, we will not obtain personal information about you unless you choose to provide such information. Personal information that we may collect about you through online interaction includes information that you provide, such as your name, mailing address, email address and other contact information; data resulting from your activity, such as transaction information; and limited location information (for example, a zip code to help you find a nearby ATM).

We will retain your personal information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Other Information We Collect
In addition to the personal information described above, we also collect anonymous demographic information, which is not unique to you, such as your ZIP code, region, preferences, interests, and favorites. We may also automatically collect information about your computer hardware, such as the IP address of the device you use to connect to the Website, the type of operating system and browser you use, search engine used, access times, referring website addresses, the parts of our Website you access, and the site you visit next.

Third Party Widgets
We may allow certain widgets (e.g., social share buttons) on our Website that allow users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Website where these widgets are placed. You may wish to review information at the third party sites, such as social media platforms where you have an account, to determine how these third parties collect and use such information.

How We Use Information
In addition to the uses described above, we use the information for purposes as allowed by law, such as:

  • To process applications and transactions;
  • To service your accounts with us;
  • To send you important information regarding the Website, changes to terms, conditions and/or policies;
  • To track Website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Website;
  • To verify your identity (such as when you access your account information);
  • To respond to your requests and to communicate with you;
  • To send you marketing communications that we believe may be of interest to you;
  • To allow you to participate in surveys, sweepstakes, contests and similar promotions;
  • For our business purposes, including data analysis, developing and improving our products and services, and enhancing our Website;
  • To resolve disputes and prevent and defend claims;
  • To protect our rights and property;
  • To comply with laws and regulations; and
  • To prevent fraud and enhance the security of our Website.

How We Share Your Information with Third Parties
If you are an SCE FCU member, we will use and share any information that we collect from or about you in accordance with our Privacy Policy.

SCE FCU may share the information we collect from and about you with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. Where appropriate, we will limit sharing of your information in accordance with our Privacy Policy.

We do not partner with third parties for the purposes of engaging in online behavioral tracking, nor do we permit third parties to collect from the SCE FCU Website personally identifiable information about your online activities.

Children’s Online Information Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect, maintain, or use personally identifiable information from our Website about children under the age of 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.

Updating Your Personal Information

Keeping your account information up-to-date is important. You can access and/or update your personal information in connection with your account or application by logging on to your account online or by calling our Contact Center at 800.866.6474.

Security

Security measures have been implemented to improve Online Banking security. The login security uses a verification code to authenticate yourself via text message and/or a voice call to ensure that it's you trying to access your Online Banking accounts. The options on how to receive your verification codes are provided during the login security setup. Login Security allows us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don't recognize your computer, you will be requested to receive a new verification code.  This adds an additional layer of protection from fraud and identity theft by preventing unauthorized access to your secure financial information.

Linking to Other Websites

The SCE FCU Website may contain links to third party websites. Although these links were established to provide you with access to useful information, SCE FCU does not control and is not responsible for any of these websites or their contents. We do not know or control what information third-party websites may collect regarding your personal information. SCE FCU provides these links to you only as a convenience, and SCE FCU does not endorse or make any representations about using such third party websites or any information, software or other products or materials found there, or any results that may be obtained from using them. We encourage you to review the privacy statements of websites you choose to link to from the SCE FCU Website so that you can understand how those websites collect, use, and share your information. SCE FCU is not responsible for the security or privacy practices of the linked websites.

Updates to this Online Privacy Policy

From time to time, we may change this Policy. The effective date of this Policy, as indicated above, reflects the last time this Policy was revised. Any changes to this Policy will become effective when we post the revised Policy on our Website. Your use of the Website following these changes means that you accept the revised Policy.

Social Media Public Use Policy

Terms of use

These terms govern SCE Federal Credit Union’s (“SCE FCU”) social media-based websites, accounts, pages and applications (collectively, “sites”). By accessing SCE FCU’s sites, the user agrees to be bound by and comply with these terms, all applicable laws and regulations, and any other applicable policies, terms and guidelines and existing agreements established by SCE FCU and those of any third parties that host its sites (which may include, but are not limited to, Facebook, YouTube, Yelp, Instagram, LinkedIn, Google+, Twitter). If the user does not agree with any of these terms, they should not use or access SCE FCU’s sites. Any unauthorized use of SCE FCU’s sites or misuse of any information posted to a site is strictly prohibited.

Use limitations

SCE FCU welcomes member and non-member participation as a means of sharing experiences, suggesting improvements, and contributing to conversations. SCE FCU has established the following use limitations. SCE FCU reserves the right to review any and all comments at its discretion and to delete comments that are, or include:

limitations
Spam

Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain will be removed.

Personal attacks

If the user disagrees with the content, SCE FCU would like to hear from them, but ask that the user refrain from personal attacks or being disrespectful to others. Malicious intent and/or participation not in the spirit of civil conversation will be removed.

Illegal

Posts must not violate laws that govern use of copyrights, trade secrets, etc.

Offensive language

Comments including, but not limited to, profane or provocative language will be removed. Comments that contain threatening, hateful, offensive, derogatory, obscene or sexually explicit language will not be tolerated.

Private or confidential information

Specific account details or other personal information should not be included when posting comments. If the user has immediate service needs, they should call SCE FCU’s Member Care Center at 800.866.6474 or visit one of SCE FCU’s local branches for assistance.

Posts in HTML format (or URLs) will be removed

Only plain text should be used when submitting comments.

Posts from individuals under the age of 13

Cannot be accepted.

Posts containing photos

Will not be accepted, unless specifically requested by an authorized representative of SCE FCU for a contest or other business-related purpose. In these instances, photos will be reviewed and will not be posted if deemed inappropriate.

Endorsements

SCE FCU does not endorse any comments made by its employees, unless they are made in an authorized representative capacity. Statements and opinions expressed in the comments are strictly those of the commenter alone and do not constitute an official position of SCE FCU, unless they are posted by the original author (who is an authorized representative of the credit union) or by a subject matter expert responding on behalf of that authorized representative.

Disclaimer

The materials on SCE FCU’s sites are provided “As is”. SCE FCU makes no warranties, express or implied, regarding merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, SCE FCU does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its sites or otherwise relating to such materials or on any sites linked to these sites. The information and content provided on SCE FCU’s sites is intended for informational purposes only. SCE FCU is not responsible for any content posted by users, including posts made by employees or agents who are not authorized administrators of our sites. Content posted by others is not edited by SCE FCU and does not necessarily represent its views or opinions.

Limitations/Indemnification

In no event shall SCE FCU, its affiliates or suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SCE FCU’s sites, or for loss or damage that results from the visitor’s failure to comply with these terms or other applicable guidelines, or from any technical, human or software errors or failures found within our sites. The user agrees to indemnify, defend and hold harmless SCE FCU, its officers, employees, and agents from any and all liability with respect to any claims from any third parties arising from your use of SCE FCU’s sites or violations of these terms or applicable guidelines.

Privacy

A user’s use of SCE FCU’s social media-based websites constitutes their consent to SCE FCU’s use of information obtained through the user’s site visits. With respect to content collected through its sites, SCE FCU follows the applicable privacy policies of the third-party hosts of its sites. Please note when visiting any SCE FCU site, users are also subject to the terms and conditions of SCE FCU privacy notices, as well as the terms of service and privacy policies of third-party hosts, when applicable.

Third-Party Links

SCE FCU has not reviewed all of the third-party sites linked from its sites and is not responsible for the contents of any such linked site. The inclusion of any third-party link does not imply endorsement by SCE FCU. Use of any such linked website is at the user’s own risk. Users understand, when going to a third-party website, that site is governed by the third-party’s privacy and terms of use, and the third party is solely responsible for the content and offering presented on its website.

SCE FCU reserves the right to change these Terms at any time at its sole discretion.

Website Accessibility

Website Accessibility

We want everyone who visits the SCE FCU website to feel welcome and find the experience rewarding.

ADA Compliance

To help us make our website a positive place for everyone, we’ve been using the Web Content Accessibility Guidelines (WCAG) 2.0. These guidelines explain how to make web content more accessible for people with disabilities, and user friendly for everyone.

We’ve worked hard and believe we’ve achieved our goal of accessibility. We monitor the website regularly to maintain this, but if you do find any problems, please Contact Us.

Use of Third-Party Sites & Components

Use of Third-Party Sites & Components

When third-party components or websites are used on this website, such as Facebook, Instagram, YouTube, Twitter, chats and others, which are not controlled by us, it may present challenges for individuals with disabilities that we are not able to remedy.

Anti-Spam Policy Statement

Anti-Spam Policy Statement

Last updated: February 12, 2020

SCE Federal Credit Union (SCE FCU) is committed to ensuring our members and others who receive communications from us do not encounter spam. We only send commercial electronic messages (CEMs) from our servers in compliance with this Anti-Spam Policy. A CEM sent by SCE FCU is an electronic message that encourages participation in a commercial activity, such as purchasing an SCE FCFU product or service.

What is spam?

Spam is unsolicited electronic messages, also known as “junk” email or text messages, often, but not always, sent in bulk form. An electronic message may be spam if:

  • The message is deceptive in that there is an attempt to hide the true sender or content of the message.
  • The recipient's personal identity and context are irrelevant because the message is equally applicable to any other potential recipients; or
  • The recipient has not granted explicit or implied consent for the message to be sent.

When does SCE FCU send commercial electronic messages (CEMs)?

We only send CEMs in the following contexts:

  • You have explicitly informed us you would like to receive such messages;
  • We are responding to a request for information from you;
  • To communicate with you about your account, loan or similar relationship with us;
  • To provide information you are entitled to receive about products or services you have purchased from us;
  • You have provided your email address to us, or have published your email address, without placing any restrictions on its use, and the content we are sending you is relevant to your business role;
  • You have an existing business relationship with us;
  • The SCE FCU employee sending you the message has a personal or family relationship with you; or
  • You are receiving the message in order for us to fulfill a legal obligation or enforce a pending or existing legal right.

How does SCE FCU protect you from receiving spam?

CEMs sent, or caused to be sent, from SCE FCU’s servers do not:

  • Use or contain invalid or forged headers or non-existent domain names;
  • Employ any technique to otherwise misrepresent or obscure the sender of the message, the point of origin or the transmission path for the message;
  • Contain false or misleading information in the subject line or otherwise contain false or misleading content;
  • Use a third party's Internet domain name, or relay from or through a third party's equipment, without permission of the third party; or
  • Attempt to surprise or confuse you. We make best efforts to ensure you have either specifically asked to receive electronic messages from us, or you can reasonably expect to.

We do not knowingly do business with any company that participates in sending spam. We do not sell or exchange any of your information without your consent.

What if I no longer want to receive messages from SCE FCU?

Our CEMs provide you with an option to email us that you no longer want to receive our CEMs. Your request will be processed as soon as possible, and no later than 10 days after you send the request. There are only limited contexts in which you cannot request we stop sending you messages, such as when we must communicate with you to enforce our legal rights.

Receipt of a CEM from SCE FCU that seems to violate this policy

In the unlikely event you receive any messages from us that may be considered spam, please contact us at unsubscribe@scefcu.org and the matter will be investigated.

Changes to this Anti-Spam Policy

SCE FCU may amend this policy at any time by publishing a new version of it on the SCE FCU website.

Contact Us

We are committed to ensuring you do not receive unwanted emails from our servers.

Should you have any questions about our spam management strategies, please contact us at unsubscribe@scefcu.org. Contact information will also appear on every CEM you receive from us.
 

External Links & Notices

External Links & Notices

For your convenience, we may provide image links or text links to other linked websites. Linked websites are not under our control and we are not responsible or liable for the contents of any linked site or any link contained in the linked site. We do not endorse or guarantee and are not responsible or liable for the failure of the products, information, or recommendations provided by linked sites. Linked sites may provide less security and may have a privacy policy different from our own. Please make sure you review the privacy policy of any website you link to before you provide personal information.

Neither SCE Federal Credit Union, nor any of its current or future affiliates ("SCE FCU"), make any warranties or representations in connection with any external information, nor does SCE FCU endorse the use of any external information. SCE FCU does not accept any liability for any loss, damage, injury or expense however caused, arising from the use of or reliance upon any external information.

You use the external information at your own risk, and acknowledge that, while reasonable efforts have been made to correct errors in the external information provided on this Site before they appear, the external information on this site may include certain inaccuracies, errors, or omissions. Be aware that privacy and security policies of vendors may differ from those practiced by SCE FCU. No advice or information obtained by you from SCE FCU in connection with the external information shall create any warranty by SCE FCU. You agree to look solely to the vendor for any compensation or relief in connection with any loss or damage arising from the use or reliance upon external information supplied by vendor.

Furthermore, your correspondence or business dealings with, or participation in promotions of, Vendors found on or through this Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such vendor. SCE FCU disclaims any responsibility or liability for any loss or damage incurred as the result of any such dealings and you agree to look exclusively to the vendor for any compensation or relief in connection with any loss or damage arising from such dealings.

Any material downloaded or otherwise obtained from or made available on this site is done at your own discretion and risk. SCE FCU expressly disclaims any responsibility for damage to your computer system or loss of data that results from the download or any use of any such material and you agree to hold SCE FCU harmless from and such damage.

Trademarks & Copyrights

Trademarks & Copyrights

SCE Federal Credit Union and SCE FCU are registered service marks of SCE Federal Credit Union, a not-for-profit financial institution. Other marks and names contained on this Site are the property of their respective owners. Their respective owners copyright all images. Use of any copyrighted images is not authorized without the consent of the respective copyright holder.

It is our policy to make every effort to respect the copyrights of outside parties. If you believe that your copyright has been misused, please provide us with a detailed message stating your position and we will attempt to correct any misuse. Please direct your correspondence to:

SCE Federal Credit Union
Attn: Legal/Compliance
PO Box 8017
El Monte, CA 91734