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Privacy Policies

Privacy Policy

Privacy Policy

privacy policy
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 how we handle user privacy.
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.

California Consumer Privacy Act (CCPA)

California Consumer Privacy Act (CCPA)

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 notice explains how we collect, use, and disclose personal information about California residents. It supplements SCE FCU’s Privacy Policy, Privacy Notice and Online Privacy Policy by providing you with information about your rights under the California Consumer Privacy Act (CCPA).

Categories of Personal Information we collect

We collect information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“Personal Information”).

The Personal Information we collect, use, or disclose about a specific California resident will vary and depend on our relationship and interaction with you. Here are the specific categories of personal information we collect based on the products and services you access or use:

  • Personal identifiers, including those listed in other California statutes such as: full name, alias, address, unique personal identifier, online identifier IP address, email, account name, Social Security number, driver’s license number, passport number, other government-issued ID, etc.
  • Any of the expanded categories of personal information in Calif. Civil Code §1798.80(e) for example: signature, insurance policy number, employment, employment history, bank account number, credit card number, debit card number or any other financial information.
  • Characteristics of protected classes under California or federal law, such as sex, marital status, nationality, citizenship, military or veteran status.
  • Purchase information, including records of personal property, products or services purchased, obtained, or considered, or related histories or tendencies.
  • Biometric information, such as fingerprints, facial scans, or voice recordings.
  • Internet or electronic activity information, such as browsing and search history, or interactions with our websites, applications, or advertisements.
  • Geolocation data, including physical location or movements based on internet activity or website interaction.
  • Audio, electronic, visual, thermal, olfactory, or similar information.
  • Professional or employment-related information (current or past job history, title, salary, references).
  • Education information not publicly available.
  • Inferences drawn from any of the above information used to create a consumer profile reflecting preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. 

Sources of Personal Information

The following outlines the categories of sources from which we collect personal data.

  • We obtain personal information directly from you or your representatives when you or they conduct business with SCE FCU. For example, you provide information (including personal documents) to us when applying for membership, loans and other products and services.
  • Information is also indirectly obtained from you in the course of you using added services, such as by use of your debit or credit card, deposits or withdrawals to your accounts, or paying your bills.
  • We collect personal information when you visit our any of our websites or use any of the features or resources available online. We can identify when and how you have connected to our site. Your device and browser may automatically disclose information such as device type, operating system, browser type, or IP address.
  • We receive your personal information from third parties that interact with us in connection with the products and services we provide, as well as interactions related to obligations required by law. For example, we may obtain information as needed from consumer-reporting agencies, credit bureaus, government agencies, law enforcement authorities and other service providers.
  • We collect certain information from your activity on our website activity on our website (insert website address) and your use of applications on your mobile device.  We may collect your IP address, device and advertising identifiers, browser type, operating system, Internet service provider (“ISP”), pages that you visit before and after visiting our website, the date and time of your visit, information about the links you click and pages you view on our website, and other standard server log information.  We may also collect your mobile device’s GPS signal, or other information about nearby Wi-Fi access points and cell tower.

The Role of Cookies and Other Online Tracking Technologies

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and to promote our products and services to you. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

“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, U.S. 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.

Clear GIFs, pixel tags or web beacons – which are typically one-pixel, transparent images located on a webpage or in an email or other message – or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages).  They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services.  These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.

“First party” cookies are stored by the domain (website) you are vising directly. They allow the website’s owner to collect analytics data, remember language settings, and perform useful functions that help provide a good experience. “Third-party” cookies are created by domains other than the one you are visiting directly, hence the name third-party. They may be used for cross-site tracking, retargeting and ad-serving. We also believe that cookies fall into the following general categories:

  • Essential Cookies: These cookies are technically necessary to provide website functionality.  They are a website’s basic form of memory, used to store the preferences selected by a user on a given site. As the name implies, they are essential to a website’s functionality and cannot be disabled by users. For example, an essential cookie may be used to prevent users from having to log in each time they visit a new page in the same session.
  • Performance and Function Cookies: These cookies are used to enhance the performance and functionality of a website, but are not essential to its use. However, without these cookies, certain functions (like videos) may become unavailable.
  • Analytics and Customization Cookies: Analytics and customization cookies track user activity, so that website owners can better understand how their site is being accessed and used.
  • Advertising Cookies: Advertising cookies are used to customize a user’s ad experience on a website. Using the data collected from these cookies, websites can prevent the same ad from appearing again and again, remember user ad preferences, and tailor which ads appear based on a user’s online activities.

Use of Information

The personal information we collect is used for one or more of the following everyday business purposes:

  • To fulfill our business purpose and provide you with the service(s) and/or product(s) for which the personal information was collected this includes processing account transactions and activities related to ongoing account maintenance (such as providing account statements, online banking access, customer service, collections, and account notifications);
  • To support our operations, including risk, legal, and regulatory compliance requirements as required by law;
  • To communicate via any means (including email, telephone, text message, or in person) with you about products, services, and events offered by SCE FCU and others, as well as provide news and information we think will be of interest to you;
  • To respond to your comments, questions, and customer service requests, as well as to send you support notices, updates, security alerts, and administrative messages (such as changes to our terms, conditions, and policies);
  • To prevent fraud by monitoring activity to detect, investigate, and prevent potentially fraudulent transactions and other illegal activities, as well as to protect the rights and property of SCE FCU and our members;
  • To monitor and analyze trends, usage, and activities in connection with our products and services;
  • To audit the quality and efficacy of our work for compliance, controls, and other risk management;
  • To improve our products and services by identifying issues with existing products and services, enhancing existing products and services, and creating new products and services;
  • To carry out any other purpose described to you at the time the information was collected.

Categories of Third Parties with Whom Personal Information is Shared

The categories of third parties with whom we share personal information is based on, among other things, our relationship and interaction with you. The information below lists the categories of third parties with whom we share personal data in different context.

  • Outside companies or organizations that host, maintain, manage, or provide other services to us in relation to our products and services;
  • With third parties that provide financial products and services to our members such as our card processors, online banking, or bill pay provider;
  • 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;
  • Government agencies, which include cooperating with public authorities and law enforcement, to respond to a lawful request, or to provide information we believe is important;
  • For other legal reasons, such as to monitor compliance with and enforce our terms and conditions, to protect our rights, privacy, safety, or property, and/or that of our affiliates, you or others, to protect against potential or actual fraud, money laundering, terrorism, or other illegal activity, and for risk management purpose;
  • We may also share information with outside accountants, auditors, lawyers and other outside professional advisors to SCE FCU, subject to confidentiality;
  • Outside companies or organizations, including credit bureaus and other consumer reporting agencies for routine and required reporting.

Sale of Personal Information

SCE FCU does not sell your personal information (this includes personal information of minors under the age of 16). However, SCE FCU may share personal information as necessary to fulfill our everyday business purposes and to comply with federal law.

Rights Under CCPA

If you are a California resident, you have the right to request up to two times during any 12-month period that we:

  1. Disclose to you the following information covering the 12-month period prior to your request:
    1. The categories of Personal Information we have collected about you and the categories of sources from which we collected the Personal Information;
    2. The purpose for collecting Personal Information about you;
    3. The categories of third parties to whom we disclosed Personal Information about you, and the categories of Personal Information disclosed;
    4. The specific pieces of Personal Information we collected about you; and
  2. Delete Personal Information we collected from you, unless CCPA recognizes an exception; and
  3. Be free from unlawful discrimination against you for exercising your rights under the CCPA.

Responding to Requests

We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. For security purposes requests for specific pieces of Personal Information will require additional information to verify your identity.

If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.

There may be instances where, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify you have the authority to make a request on behalf of another individual.

Additionally, we will not honor your request if providing the Personal Information would adversely affect the privacy rights of others or where the Personal Information we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government-issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft, or fraud, or unreasonable risk to data or systems and network security. In these cases, we may refer you to an SCE FCU branch location.

We may decline to honor a request to delete Personal Information to the extent that CCPA allows; we may not comply with the deletion request if the Personal Information is maintained for lawful purposes, such as providing you a product or service you requested or complying with federal, state, or local law.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

Any response we provide will only cover the 12-month period preceding the verifiable consumer request. If applicable, the response will also explain the reasons we cannot comply with a request.

How to Make Requests

If you are a California resident, you can make a request by:

  1. Contacting us at 800.866.6474; or
  2. Submitting your request at California Consumer Privacy Act Request

Changes to This Notice

We may change or update this Notice periodically. When we do, we will post the revised Notice on this webpage indicating when the Notice was “Last Updated.”

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.

The Role of Cookies and Other Online Tracking Technologies
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and to promote our products and services to you. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

Clear GIFs, pixel tags or web beacons – which are typically one-pixel, transparent images located on a webpage or in an email or other message – or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.

“First party” cookies are stored by the domain (website) you are vising directly. They allow the website’s owner to collect analytics data, remember language settings, and perform useful functions that help provide a good experience. “Third-party” cookies are created by domains other than the one you are visiting directly, hence the name third-party. They may be used for cross-site tracking, retargeting and ad-serving.  We also believe that cookies fall into the following general categories:

  • Essential Cookies: These cookies are technically necessary to provide website functionality.  They are a website’s basic form of memory, used to store the preferences selected by a user on a given site. As the name implies, they are essential to a website’s functionality and cannot be disabled by users. For example, an essential cookie may be used to prevent users from having to log in each time they visit a new page in the same session.
  • Performance and Function Cookies: These cookies are used to enhance the performance and functionality of a website, but are not essential to its use. However, without these cookies, certain functions (like videos) may become unavailable.
  • Analytics and Customization Cookies: Analytics and customization cookies track user activity, so that website owners can better understand how their site is being accessed and used.
  • Advertising Cookies: Advertising cookies are used to customize a user’s ad experience on a website. Using the data collected from these cookies, websites can prevent the same ad from appearing again and again, remember user ad preferences, and tailor which ads appear based on a user’s online activities.

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.