Online Privacy Statement

 At Scenic Community Credit Union (“SCCU,” “we,” “us,” or “our”), protecting your privacy is one of our highest priorities. 

This Online Privacy Notice (“Notice”) explains how we collect, use, and protect personal and non-personal information when you use our website, mobile app, or any other online service that links to this Notice (collectively, our “Sites”). 

By visiting or using our Sites, you agree to the terms outlined here. If you do not agree with these terms, please discontinue use of our Sites. This Notice supplements but does not replace the SCCU’s Privacy Policy.   

Children’s Online Privacy 

Our Sites are not designed for children under 13 years of age. 

We do not knowingly collect information from children without verified parental consent. If you believe a child has provided personal information through our Sites, please contact us so we can remove it. 

To learn more, visit the Federal Trade Commission’s Children’s Online Privacy Protection Act (COPPA) page. 

Your Consent 

By accessing or using our Sites, you consent to the collection and use of your information as described in this Notice and in our Terms of Service. 

• Personal Information is data that identifies you directly, such as your name, address, phone number, or account details. 

• Anonymous Information includes data that does not identify you personally, such as browser type, operating system, or usage statistics. 

Anonymous Information We Collect 

We and our trusted service providers may gather non-personal information in several ways, including: 

• Website analytics: We use tools to understand how visitors use our website — which pages are viewed, how long visitors stay, and what links are clicked — to improve performance and user experience. 

• Device data: Information such as IP address, browser type, screen resolution, and operating system help to ensure our Sites display correctly and remain secure. 

• Cookies: Cookies are small files stored on your device to help recognize your preferences, maintain secure sessions, and personalize your experience. You can choose to block or delete cookies in your browser settings, though doing so may limit some website functions. 

We may also use anonymous information for site optimization, fraud prevention, and marketing analysis. 

Cookies and Your Choices 

Our Sites use cookies to improve your experience, understand how our Sites are used, and personalize content.  Cookies are small text files stored on your device that help us recognize you and remember your preferences. 

You can choose which types of cookies you allow by using our Cookie Consent tool.  This tool allows you to review and manage your cookie settings at any time – including turning off non-essential cookies. 

Personal Information We Collect 

We collect personal information only when you voluntarily provide it. Examples include: 

• When you complete applications, forms, or surveys. 

• When you contact us by email or message. 

• When you use online banking, bill pay, or mobile services. 

• When we receive data from consumer reporting agencies or affiliates. 

We use your personal information to: 

1. Process your applications and transactions. 

2. Respond to your inquiries or requests. 

3. Verify your identity for security purposes. 

4. Provide, manage, and improve our products and services. 

5. Send account notifications and important updates. 

6. Deliver promotional information when permitted. 

7. Comply with legal and regulatory obligations. 

If any collected information qualifies as nonpublic personal information under the Gramm-Leach-Bliley Act (GLBA), that federal law governs its protection. 

How We Share Information 

We share information only as permitted by law and for legitimate business purposes, such as: 

• Service Providers: With companies that assist us in delivering online banking, processing transactions, or preventing fraud. 

• Legal Compliance: When required to comply with laws, subpoenas, or government requests. 

• Joint Marketing Partners: With carefully selected financial partners under confidentiality agreements. 

• Member Authorization: When you specifically authorize us to share information. 

We do not sell personal information collected online to third parties. 

External Links 

Our Sites may link to third-party websites for your convenience. 

Those websites have their own privacy and security practices. Scenic Community Credit Union is not responsible for the content or privacy standards of any linked site. We recommend reviewing each site’s privacy policy before sharing personal information. 

Social Media 

Scenic Community Credit Union may interact with members on social media platforms such as Facebook®, Instagram®, LinkedIn®, YouTube®, and others. 

Information you share on these platforms is subject to the platform’s own privacy and usage policies. We may collect limited data from these interactions to help improve member engagement and service quality. 

Email Communications 

If you sign up for online services or communications, you may receive: 

• Service messages (such as account alerts or confirmation emails). 

• Marketing messages about new products or promotions. 

You can unsubscribe from marketing emails at any time. However, important account or security notifications will still be sent when required by law or your service agreement. 

Location Data 

Our mobile app may collect location information to provide certain features, such as branch or ATM locators. You can manage or disable location permissions in your device settings at any time. 

Updates to This Notice