Privacy
Statement
A Private Note to Our Members:
South Side Community Federal Credit Union (SSCFCU) is owned by its members
and run by a Board of Directors elected by the membership. You
can be confident that your financial privacy is a top priority of this credit
union.
Information We Collect
We collect nonpublic personal information from many sources, including member
applications and other applications for products and services, from those
who do business with us or with our vendors, and from consumer reporting agencies. Credit
Union will collect only the personal information that is necessary to conduct
our business.
Information We Disclose
We do not disclose or sell information to non-affiliated businesses or third
parties desiring access to our member information. We may disclose information
we collect about you under circumstances as permitted or required by law. These
disclosures typically include information to process transactions on your
behalf, conduct the operations of our credit union, follow your instructions
as you authorize, or protect the security of our financial records.
We are committed to provide you with competitive products and services to
meet your financial needs, which necessitates that we share information about
you with our affiliates, to complete your transactions and to provide you
with certain financial opportunities. We have also entered into
agreements with other companies that provide either services to us or additional
financial products for you to consider. Under these agreements,
we may disclose information we collect to companies that perform marketing
or other services on our behalf or to other financial institutions with whom
we have joint marketing agreements. To protect your privacy, we
require these companies to agree to maintain strong confidentiality protections
and we prohibit their use of this information other than to carry out the
purposes for which it is disclosed.
If you terminate your membership with SSCFCU, we will not share information
we have collected about you, except as permitted or required by law.
Step We Take To Protect Your Information
We restrict access to nonpublic personal information about you to those employees
who have a specific business purpose in utilizing your data. Our
employees, members of the Board of Directors and Committee Members shall maintain
confidentiality and member privacy. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations and industry
practices to safeguard your nonpublic personal nformation.
Loan Applications
Our web site will be checked every day that we are open for lobby business.
The loan department will treat an application received via our web site the
same as a loan application taken by phone or in person and it will be processed
as quickly as possible. You will be contacted regarding the approval or denial
of the loan request. You may also be contacted if further information is necessary
to process your application.
E-mail
Personal information contained in e-mail sent by members and non-members will
be reviewed by SSCFCU staff and used to improve the level of service we provide.
Unless specified, appropriate follow-up will be determined by the nature of
the question, comment, or complaint. Please be advised that we cannot guarantee
the security of e-mail messages against interception by unauthorized individuals.
Privacy
When your member conduct their credit union business (transactions) through
your Web site they should feel as comfortable as they do when they visit you
in person.
At SSCFCU we understand the need to serve our members privately and appropriately.
After all, members' information is personal; it's proprietary and ought to
stay that way. With our security features, we ensure that it does.
SSCFCU PRIVACY POLICY
SSCFCU's policies and procedures for handling customer information have been
created with the understanding that Internet technologies are still evolving
and that Internet business methods are continuing to evolve to meet the needs
and opportunities of the changing technologies. As a result, these policies
and procedures are subject to change.
In the course of serving its customers, SSCFCU may acquire, store and transmit
customer communications and information that customers may regard as private
or sensitive. Some of this information - such as the customer's name, address,
telephone number, and credit card data - is provided to SSCFCU by its customers
in order to establish service. In addition, SSCFCU may store customers' electronic
mail and other communications as a necessary incident to the transmission
and delivery of those communications. SSCFCU may share limited customer contact
information with selected partners to provide customers with information about
products or special that might be of interest to the customer. SSCFCU will
not otherwise disclose its customers' personal and account information unless
SSCFCU has reason to believe that disclosing such information is necessary
to identify, make contact with, or bring legal action against someone who
may be causing harm or interfering with the rights or property of SSCFCU,
or SSCFCU's customers, or others, or where SSCFCU has a good faith belief
that the law requires such disclosure. Furthermore, SSCFCU also will not,
except for reasons stated below, disclose to third parties the contents of
any electronic mail or other electronic communications that SSCFCU stores
or transmits for its customers. The circumstances under which SSCFCU will
disclose such electronic customer communications are when:
1.it is necessary in order to provide service to the customer;
2.it is necessary to protect the legitimate interests of SSCFCU and our customers;
3.it is required to cooperate with interception orders, warrants, or other
legal process that SSCFCU determines in its sole discretion to be valid and
enforceable; and
4.it is necessary to provide to a law enforcement agency when the contents
are inadvertently obtained by SSCFCU and appears to pertain to the commission
of a crime
Protecting Children's Privacy Online
The Children's Online Privacy Protection Act (COPPA) was passed by Congress
in October 1998, with a requirement that the Federal Trade Commission (FTC)
issue and enforce rules concerning children's online privacy. The primary
goal of the Act and the Rule is to place parents in control over what information
is collected from their children online. The Rule was designed to be strong,
yet flexible, to protect children while recognizing the dynamic nature of
the Internet. Click here to read the Frequently Asked Questions about the
Children's Online Privacy Protection Rule.
http://www.ftc.gov/infosecurity
What These Privacy Rules Mean to YOU:
SSCFCU is committed to protecting the privacy of children (and everyone) who
visits our site. You probably noticed that we don't ask you for your name,
we don't ask you for your e-mail address, and we don't have a chat room where
other people can ask you for personal information.
Why don't we care about all of your personal information? Because we want
you to be a safe cyber-surfer…and we want you to have fun and learn while
you're at our site. That's all…just have some fun and learn a few things!
Security
SSCFCU will protect the confidentiality of its customers' information, account
information and personal communications to the fullest extent possible and
consistent with the law and the legitimate interests of SSCFCU, its partners,
its employees and other customers of SSCFCU's services. To guard against the
loss, misuse, and alteration of information that is collected from customers,
SSCFCU has appropriate physical, electronic, and managerial procedures in
place.
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