Shelby County Federal Credit Union: Unsecured Loans

Privacy Statement

SCCU is committed to providing you with financial products and services to help meet your financial goals. We are required by federal law to inform you of our privacy policy. This notice describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If you have any questions after reading it please contact us at 901-222-1900 or 901-377-8929.

INFORMATION WE COLLECT:

We collect nonpublic personal information about you from the following sources:

Information we receive from you on membership and loan applications and other forms
Information about your transactions with us and our affiliates
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

We may disclose nonpublic personal information about you to our affiliates that perform marketing or other services on our behalf and to other financial service providers such as share draft and ACH processors.

HOW WE PROTECT YOUR INFORMATION:
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Information to third parties about your accounts or personal information will be made only:

When it is necessary to complete a transfer;
In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
In compliance with government agency or court orders;
Or upon your written permission

WE WILL NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION ABOUT YOU TO ANYONE EXCEPT AS DISCLOSED IN THIS POLICY OR AS PERMITTED BY LAW.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with SCCU, we will not share information we have collected about you, except as permitted by law.

ELECTRONIC PRIVACY AND SECURITY
SCCU has security measures in place to protect the loss, misuse and alteration of the information within our website. Visitors to our website will remain anonymous unless you choose to provide personal information by submitting forms or applications contained within this site. The personal information you provide will be used discretely and solely for the use of the SCCU to better serve its customers.

Because this site does not currently use encryption, information is sent to us via e-mail may be vulnerable as is any other e-mail message traveling via the Internet. Due to this risk, we do not ask for highly-sensitive information such as credit card, account, or social security numbers. If you do not wish to provide information online, you may call us at (901) 222-1900, or fax us at (901) 222-1921. This site does not use cookies.

COLLECTING USER INFORMATION
Our Web server collects standard, non-identifying information about our website visitors such as the date, time, Web page visited, and IP address. We may also collect e-mail addresses of those who communicate with us via e-mail. This information is used to compile statistics and aggregate information on the usage of our website We use this information to improve the content of our website and to better serve our customers through special marketing and service programs. This information will only be used internally by the SCCU and we will not share this information with other organizations. We do not compile, buy, sell, rent or trade customer e-mail lists. We do not make the e-mail addresses of those who access our website available to others.

Your Savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Govt. Agency.