Privacy Policy

WHAT DOES SOUTH COAST ILWU FEDERAL CREDIT UNION 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 what we do.

What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and income
Account balances and transaction history
Credit history and credit scores

When you are no longer our member, 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 South Coast ILWU Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does South Coast ILWU Federal Credit Union 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, and 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	YES	NO
For our affiliates’ everyday business purposes – information about your transactions and experiences	NO	We don't share
For our affiliates’ everyday business purposes – information about your creditworthiness	NO	We don't share
For nonaffiliates to market to you	NO	We don't share

Questions?
Call 541-156-5746 or go to www.southcoastilwufcu.org

Who we are
Who is providing this notice?
South Coast ILWU FCU 619 Union Ave, Middlesex, NJ 08846

What we do

How does South Coast ILWU Federal Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does South Coast ILWU Federal Credit Union collect my personal information?
We collect your personal information, for example, when you

Open an account or apply for a loan
Use your credit or debit card or pay your bills
Make deposits or withdrawals from your accounts

We also collect personal information from others, including credit bureaus 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. We do not have any affiliates with whom we share.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.

South Coast ILWU Federal Credit Union has no affiliates

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

South Coast ILWU FCU does not share with non affiliates so they can market to you except for joint marketing arrangements.

Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include financial services and insurance companies