NOTICE OF YOUR FINANCIAL RIGHTS: We, our and us, when used in this notice, mean Space City Credit Union. This is our privacy notice for our members. When we use the words “you”; and “your”; we mean our entire consumer members who have a continuing relationship with us, such as a deposit account, loan account or credit card.
GENERAL POLICY STATEMENT: Space City Credit Union recognizes its responsibility to protect the privacy of member nonpublic personalinformation. It is the intent of Space City Credit Union to abide by all applicable laws and regulations governing the privacy of non-public information.
CHILDREN'S ONLINE PRIVACY: Space City Credit Union recognizes the importance of protecting children’s identities and privacy online. The online financial services offered through our website are not designated for or directed toward children under age 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. To learn more about the Children’s Online Privacy Protection Act, please refer to the National Credit Union Administration Regulatory Alert 01-RA-07 or to the Federal Trade Commission’s website.
COLLECTION OF INFORMATION: In the course of delivering products and services, Space City Credit Union obtains nonpublic personal information, either directly from you or from outside sources. This nonpublic personal information is used to comply with federal and statelaws and regulations, to provide effective member service and to inform you of products and services which may be of interest to you.
THE INFORMATION THAT WE COLLECT: We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with non-affiliated third parties Information from a consumer reporting agency
THE CONFIDENTIALLY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
DISCLOSING INFORMATION TO NONAFFILIATED THIRD PARTIES: We will not disclose your nonpublic personal information tononaffiliated third parties, except as permitted by law. Space City Credit Union may share its experience information about the member with credit bureaus. Reporting to the credit bureaus is governed by the Fair Credit Reporting Act, which affords the member to make sure that its credit bureau reports are accurate. However, under the following conditions Space City Credit Union reserves the right to disclose nonpublic personal information:
When disclosure is required to complete member-authorized transactions, such as a check or credit card processing. To verify information for a third party (such as a credit bureau or insurance company), as permitted by law.
To comply with a court order or applicable laws or regulations. When authorized by written permission from the member.
As part of a member service agreement with Board approved service partner, provided the third party is contractually bound to perform services and maintain the confidentiality of the information.
AUTHORIZED SHARING OUTSIDE MARKETING SERVICES / NO OPT-OUT PRIVILEGE: We may disclose nonpublic personal information we receive from you on an application to companies that perform marketing services on our behalf. Nonpublic personal information we receive from you on an application or other forms, such as name and address. Federal law allows us to disclose your name and address withcompanies that perform marketing services on our behalf. You do not have a right to opt-out of the disclosure of this information. Other financial institutions freely and willingly share your personal information with non-affiliated third parties and, by law, must give their customers a chance to “just say no” and put a stop to it with what’s called an “opt-out” privilege. Space City Credit Union, however, doesn’t have the same legal requirement to give you an “opt-out” opportunity for a simple reason that should delight you - it’s not necessary. Our extensive restrictions on who we’ll share your personal information with, as well as how, why and when we’ll share it, mean you never have to tell us no. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS: If you terminate your membership with Space City Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.
WHAT MEMBERS CAN DO TO HELP: Space City Credit Union is committed to protecting the privacy of its members. Member can help byfollowing these simple guidelines: 1. Protect your account numbers, plastic card numbers, PINs or passwords. Never keep your PIN numberwith your card, which can provide free access to your accounts if you card is lost or stolen. 2. Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it. 3. Keep your information with us current. If your address or phone numbers change, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!