Privacy

Rev. 12/2025

For the purposes of this notice, the terms “we,” “us,” “our,” “credit union,” and “South Carolina Federal Credit Union” mean South Carolina Federal Credit Union, and such terms may also refer to our affiliates, and contractors and service providers engaged by the Credit Union to support our business activities. The terms "you," "your," and "yours" refer to any person who accesses or uses a Digital Interface.

This Digital Privacy Notice applies to your interaction with any of our online sites, mobile sites, text functions, or applications, which we own and control (hereinafter “Digital Interface”). Certain Digital Interfaces may have separate privacy notices or terms and conditions that are specific to those Digital Interfaces, and when you use or access those Digital Interfaces those separate privacy notices or terms and conditions will apply and will control with respect to the matters addressed therein in the event of a conflict with the terms of this Digital Privacy Notice. If a Digital Interface is owned and/or controlled by a third party, that third party’s digital privacy policy will govern, unless otherwise stated. Other privacy policies may also apply in addition to this Digital Privacy Notice. Please consult the additional Privacy Notices linked below. With regard to persons who use or obtain our products and services for their own personal, family, or household purposes, this Digital Privacy Notice supplements, but does not replace, and should be read in conjunction with, the Consumer Privacy Notice. To the extent that any information at issue is "nonpublic personal information" as defined by Title V of the Gramm-Leach-Bliley Act (Public Law No. 106-102) and applicable related regulations, the Consumer Privacy Notice will apply and control in the event of a conflict with the terms of this Digital Privacy Notice, subject to the requirements and provisions of applicable law. California residents should also refer to our South Carolina Federal Credit Union Privacy Notice for California Residents. In the event of a conflict between the terms of this Digital Privacy Notice and the terms of the South Carolina Federal Credit Union Privacy Notice for California Residents, the terms of the South Carolina Federal Credit Union Privacy Notice for California Residents will govern and control as to California residents.

Please read this Digital Privacy Notice carefully. Your continued use of any of our Digital Interfaces is your consent to this Digital Privacy Notice and your consent to our use and disclosure of information collected from you as described in this Digital Privacy Notice.
 

What information do we collect?

We may collect any or all of the following types of information:

• Information you provide directly when completing forms or transacting with us, such as your name, your home address, your email address, your telephone number, your social security number, your account number, or transaction information.
• Information related to data generated from your activity, including but not limited to transaction and location information. We may collect information about how you use our products and services and about the transactions you perform using our products and services. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect location information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
• Technical information related to the device you are using, including but not limited to, biometrics including behavioral biometrics, your IP address, your operating system, and the browser you are using.
• Information collected through cookies, tags, and other technologies, including but not limited to which product pages you visit, what advertisements you view or click on, and how long you view a particular page.
• Other information including but not limited to demographic information, aggregated information, and anonymized information.
• Information about your online activities over time and across third party websites and online services.
• We may supplement the information we collect from you with information we receive about you from other sources.

Other parties may also collect information about you when you use our Digital Interfaces:

• Our service providers may collect information about you in order to provide us with marketing and other services.
• We may provide widgets, embedded content, or other tools that are owned by third parties, including but not limited to maps, information streaming from another site, and widgets that enable you to share information on social media. The third parties that own these types of tools may have access to information about your browsing history on our Digital Interfaces. You should review information at the third parties’ sites to learn how these third parties collect and use information they collect from you.

How do we use Google Analytics?

We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect, or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information from Google about users on our Sites. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at policies.google.com/technologies/partner-sites.

What are cookies?

Cookies are small text files that are stored on your device when you visit a Digital Interface. Browser cookies are placed by a web server and let the server know when you return to a site you have visited before. When you visit our Digital Interfaces, we, or our service providers, may use cookies or other similar technologies to collect information on our Digital Interfaces. Some cookies can be cleared via your web browser. Others may be placed in an Adobe folder on your device; refer to Adobe for information on how to manage these types of cookies.

How do we use cookies?

We use cookies and information collected through their use to make your experience with us and certain other sites richer and more personalized based on the products, services, and other interactions you have with us and other sites. Information collected 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 us. We use cookies, sometimes in conjunction with service providers, in online advertising either on our own Digital Interfaces or on third party sites to help determine which of our advertisements are most likely to appeal to you. We also use cookies for purposes such as maintaining continuity during an online session, collecting data about the use of our Digital Interfaces, monitoring online promotions, and anti-fraud and information security purposes.

Other parties that may collect information about your behavior when you use our Digital Interfaces are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party. Note, however, that we also provide certain links on our sites that allow you to interact with third parties who offer additional features, such as allowing you to share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our Digital Interfaces, such as a map. These features often function through the use of third-party cookies utilized by the third-party site, such as a social media platform. As a result, if you use any of these features, these third parties may be able to access information about your use of our Digital Interfaces, including your web browsing on the pages of our site where links to these features are in place. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data they obtain with the use of cookies.

Can I manage or disable cookies?

Managing cookies is domain and browser specific. For example, you may manage our use of certain types of cookies on scfederal.org or by using an industry accepted opt-out preference signal such as the Global Privacy Control (see more details below). Your preference applies to the domain and the browser you are currently using. It does not apply to different browsers or other domains managed by us. If you visit this domain using a different browser or delete your browser cookies, you will need to exercise your preference again. Your browser may allow you to manage cookies, including rejecting them altogether. Refer to your browser provider for more information on managing cookies. Please note that disabling cookies may limit the functionality we can provide you through our Digital Interfaces. You may also need to accept cookies in order to maintain certain online advertising opt-out elections (see "Use of Information for Advertising; Online Behavioral Advertising" section below).

Global Privacy Control (GPC) is a service that lets you opt out of sharing information for targeted advertising on nonaffiliated websites, applications, or services. You can enable this service through specific browsers or browser extensions (see which browsers are GPC-enabled at the Global Privacy Control website https://globalprivacycontrol.org/). Once you activate the GPC setting, your browser will automatically send participating websites a "do not sell or share my personal information" signal.

Industry standards are currently evolving, and we may not separately respond to or take any action with respect to a "do not track" configuration set in your internet browser.

Additional options to manage cookies: If you receive an ad delivered on a third-party site in part based on information collected through the use of cookies, you may opt out of receiving such ads by visiting the Network Advertising Initiative's Consumer Opt-Out link (https://optout.networkadvertising.org/?c=1) or the Digital Advertising Alliance's Consumer Opt-Out link (https://optout.aboutads.info/?c=2&lang=EN) and learn how to opt-out of receiving interest-based advertising from companies that participate in those programs. This opt-out works via cookies set on a particular browser, so if you delete cookies from your browser, or use a different browser or device, you will need to opt out again.

For mobile devices, you can turn off personal ads on iOS devices (https://support.apple.com/en-us/105131) or opt out of ads personalization on Android devices (https://support.google.com/googleplay/answer/3405269/).

What types of cookies do we use?

There are two types of cookies – session and persistent.

Session cookies expire at the end of a web browsing session when you close your browser. They help the site remember your actions during the current website visit.

Persistent cookies remain stored on your device between browsing sessions until a pre-set expiration period determined by us or our service providers. These types of cookies allow us to improve website experiences and place advertisements.

There are four categories of cookies we may use on our site:

Strictly necessary. These cookies are necessary for our site to function or to enable functionality requested by you. They're needed to do things like securely signing on to our site, applying for a product or service, or honoring a language preference. You can set your browser to block all cookies, but some parts of our site won't work without them.

Functional. These cookies enable an enhanced or personalized experience. They may be set by us or third-party providers whose services we have available on our site. This may include things like playing videos on our site or downloading PDF forms or seeing content personalized to you. If these cookies are blocked, then some of these services may not function.

Performance and analytical. These cookies allow us to monitor the performance of our website, such as how many people are visiting our site and how they got there, so we can measure and improve your experience on our site. If these are blocked, we have less information available to us to continue to improve our site.

Marketing and advertising. These cookies may be set by us or through third parties we use for advertising. This information is used to understand your use of our site so we may show you more relevant online content and advertising. If you block or turn them off, you may still see online advertisements, but they won't be tailored to you based on your browsing behavior.

How do we collect personal information you provide to us directly?

We collect personal information when you use our Digital Interfaces to apply for, obtain, or use our products and services, to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Digital Interfaces, products, and services, we may ask for, and you may provide, personal information in forms, surveys, applications, and online fields, or you may authorize us to collect personal information and share it with our service providers.

How do we collect personal and other information you do not provide to us directly?

We may collect information you do not provide to us directly:

• Through or from your device or browser or cookies that have been placed on your browser. Certain information is collected by most browsers, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system version, and internet browser type and version. We use this information to ensure that the Digital Interfaces function properly and to maintain security.
• Using pixel tags and similar technologies. Pixel tags (also known as web beacons and clear GIFs) and similar technologies may be used in connection with some Digital Interface pages and HTML-formatted email messages in order to, among other functions, track the actions of users and email recipients, measure the success of our marketing campaigns, and compile statistics about Digital Interface use and response rates.
• Using your IP address. Your IP address is a number that is automatically assigned by your internet service provider to the computer or device that you are using. An IP address is identified and logged automatically in our server log files whenever a user visits a Digital Interface, along with the time of the visit and the pages that were visited. We use IP addresses for purposes such as calculating Digital Interface usage levels, helping diagnose server problems, and administering the Digital Interfaces.
• Using geolocation and other location information transmitted by your device, if you have enabled location services on the device, and using biometrics, including behavioral biometrics, relating to your use of your device for identity verification, fraud avoidance, and security purposes.

How do we use and share personal and other information we collect directly or indirectly from you?

We may use, disclose, and share information as described in this Digital Privacy Notice (including using and sharing such information with our service providers for the purpose of sending you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels like financial centers, contact center, and direct marketing (for example, email, mail, and phone)) or as otherwise permitted or required by applicable law. We may also use personal information and share it with our service providers:

• To respond to your inquiries and requests, and to send you notifications.
• To send administrative information to you, such as information regarding the Digital Interfaces and changes to our terms, conditions, and policies.
• To complete and fulfill your applications for our products and services and to deliver and perform such products and services, to execute inquiries and transactions you have requested, to communicate with you regarding products and services you have obtained from us, and to provide you with related customer service.
• To verify your identity or location for security purposes.
• To send you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels such as financial centers, contact center, and direct marketing such as email, mail, and phone.
• To enhance and personalize your experience on the Digital Interfaces by presenting products and offers tailored to you.
• As you agree, authorize, or consent in agreements, terms, and conditions you agree to or accept in connection with products and services you obtain from us.
• For our business purposes, including but not limited to data analysis; audits; fraud monitoring and prevention; new product development; enhancing, improving, or modifying our products and services; determining the effectiveness of our promotional campaigns; and operating and expanding our business activities.
• As we believe necessary or appropriate (i) under applicable law; (ii) to comply with legal processes and otherwise to comply with applicable laws, rules, and regulations; (iii) to respond to lawful requests from public and government authorities; (iv) to enforce our terms and conditions; (v) to protect our operations or those of any of our affiliates; (vi) to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.
• In connection with our online advertising activity. Online advertisements may be in the form of banner ads, splash ads, or other formats. These advertisements may appear on our Digital Interfaces, and we may contract with third party advertising companies to promote our products and services and serve related advertisements on websites and mobile applications that are owned or operated by parties not affiliated with us.

Can I opt out of receiving ads based upon information you collect?

You may opt out of receiving such ads by visiting youradchoices.com/

Do you collect information from children?

Our Digital Interfaces are not intended for individuals under the age of thirteen (13) years old. We do not knowingly collect information from individuals under the age of thirteen (13) years old, and additionally request that such individuals do not provide personal information through our Digital Interfaces. Please visit the FTC website, www.ftc.gov, for more information about the Children’s Online Privacy Protection Act (COPPA).

What is online behavioral advertising and can I opt out of it?

Service advertisements based on a person's online activities over time and across third party websites and online services is generally known as "online behavioral advertising." Here are some tips and other important information regarding online behavioral advertising:

• If you are given an opportunity to opt out from online behavioral advertising and you make an opt-out election, then in order to maintain the opt-out election at our Digital Interfaces and at other websites that might serve behavioral advertisements on our behalf, your browser must be enabled to accept cookies. If you delete cookies, use a new device, access our Digital Interfaces or other websites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.
• You also may be able to avoid online behavioral advertising by disabling scripting in your browser. Please check the security settings in your browser to determine the status of scripting settings. However, please note that if you disable scripting, you may be unable to use certain features on a website. In other cases, the website may become inoperable, your experience may not be optimal, you may not be using the latest standards for safe and secure transactions, or you may not be allowed to access a site.
• Some browsers may provide a "do not track" or similar setting. Our sites may not respond to such settings. If you enable such a setting it may not prevent the collection of information about your online activities over time and across third party websites when you visit our sites.
• You should be aware that even if you exercise a choice not to receive targeted advertisements in connection with online behavioral advertising, your election does not necessarily stop the collection of information about your online activities over time and across third party websites and online services for purposes other than online behavioral advertising.
• You may still receive generic advertising (i.e., advertising that is not based on your online activities over time and across third party websites and online services) even if you opt out of online behavioral advertising, and opting out of online behavioral advertising may not result in the termination of advertising and promotions provided in connection with rewards programs we offer.

Social Media.

We may from time to time use social media websites and applications (e.g., Facebook^®, X^®, YouTube^®, and LinkedIn^®) to interact with you and to communicate information about us and about our products and services. We may collect information from our interactions with you at such social media websites and applications, and we may use the information for the purposes and uses described in this Digital Privacy Notice. If we disclose any terms of use at specific social media pages that we manage, you also will be subject to those terms when you interact with those pages. The owners and operators of social media websites and applications may impose their own terms of use and privacy policies with respect to the use of their websites and applications. This Digital Privacy Notice does not govern the use, handling, and treatment of content that you may post at social media websites and applications by the owners and operators of those websites and applications. You should review the terms of use and privacy policies of any social media website or application that you use to make sure you understand your rights and obligations with regard to content that you post.

Security.

We use commercially reasonable administrative, technical, and physical security measures to protect personal information collected through the Digital Interfaces. These measures include computer safeguards and secured files and buildings. In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. We retain your information for as long as needed: (i) to conduct business with you; (ii) as needed for the purposes outlined in this Digital Privacy Notice or at the time of collection; or (iii) as necessary to comply with our legal obligations, resolve disputes, and enforce any agreements. For more information, please review the Consumer Privacy Notice. Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are invulnerable to breach or compromise.

Information about parties that are not natural persons.

Notwithstanding any term or provision to the contrary in this Digital Privacy Notice, any information collected by or through the use of any Digital Interface that describes, identifies, or relates to a party that is not a natural person may be used, disclosed, and shared by us for any lawful purpose, subject to the requirements and restrictions of applicable law.

Changes to this Digital Privacy Notice.

We may change our privacy practices and amend this Digital Privacy Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Digital Interface, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Digital Interface shall constitute effective notice thereof to you. You agree to review the Digital Privacy Notice periodically to ensure that you are familiar with the current terms of this Digital Privacy Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event, your use of the applicable Digital Interface on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Digital Privacy Notice indicates when this Digital Privacy Notice was last changed. If our changes or amendments to this Digital Privacy Notice are material, we will notify you in accordance with applicable law.

Questions about this Digital Privacy Notice.

If you have questions about this Digital Privacy Notice, please call us at (800) 845-0432 or visit our Contact page for more information.

Rev. 5/2025

South Carolina Federal Credit Union respects your privacy and we are committed to complying with all federal and state laws and regulations regarding marketing and contact efforts. In an effort to best serve our members, and deliver appropriate and affordable Life Simplified solutions, we may phone or text members who have provided express consent. South Carolina Federal shares opt-in information with third parties as necessary to provide transaction and services for your accounts. Those that wish NOT to receive promotional or sales phone calls may withdraw their consent at any time by calling (843) 797-8300 or (800) 845-0432 during business hours, mailing a written request to P. O. Box 190012, North Charleston, SC 29419-9012, or visiting a Financial Center. Please include your name as it appears on your account(s), and associated account number(s) on your written correspondence. Please do not send this information via email, as email is not a secure method of communication.

For anyone wishing to opt out of receiving text messages, please reply STOP. Note that follow up texts from staff and texts related to identity verification will come from different numbers than account and fraud alerts that you have opted in to receive. Since these texts come from different numbers for different purposes, you will need to reply STOP when receiving either or both messages via text. If at any time you wish to opt back in to receiving text messages, please reply Start.

Message and data rates may apply. Message frequency may vary. Carriers are not liable for delayed or undelivered messages.

I. Categories of Information We Collect