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Introduction

Effective on: 1/1/20

SAFE Credit Union has created this Online Privacy Statement to demonstrate our firm commitment to consumer privacy. The following discloses our information gathering and dissemination practices for the www.safecu.org web site in addition to the practices listed in the Privacy Policy.

If you have questions or concerns regarding this statement, you should first contact an Online Support Representative via Live Help. Additionally, you may contact SAFE's Call Center by phone at (800) 733-7233 or email at [email protected].

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California Consumer Privacy Act

As a financial institution, SAFE Credit Union has, for over fifteen years, been subject to and complying with comprehensive federal and state laws and regulations that restrict our collection, use, and disclosure of consumer information. These laws and regulations include the federal Gramm-Leach-Bliley Act, and Consumer Financial Protection Bureau’s Regulation P, in addition to the California Financial Information Privacy Act. These existing federal and state laws already require SAFE to disclose to our consumers the types of information we collect, types of sources from which we collect information, and reasons we can use and disclose consumer information. The California Consumer Privacy Act includes language generally exempting financial institutions, such as SAFE, from its provisions. SAFE collects, retains, and uses personal information to provide financial products and services, to maintain accounts, for legal reasons, and to preserve the security of accounts. SAFE is committed to having strong privacy programs that adhere to strict data privacy and security requirements.

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Our Promise to You

  • SAFE Credit Union is committed to protecting your privacy at all times.
  • We do not sell or otherwise share your information with non-affiliated third parties for purposes of selling their products and services to you.
  • Your information is protected by strong security controls surrounding our technology and personnel.

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We Protect Your Personal Information

We restrict access to personal information about you to our employees who have a specific business reason to use that information. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your personal information. We will continue to test and update our technology to improve the protection of our information about you. Our staff and volunteer officials receive regular training on the importance of maintaining member privacy. 

This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. We use state-of-the-art SSL encryption technology to ensure your data is secure during transmission.

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Information We Collect and Use

We collect information about you to provide competitive financial products and services. Here are the types of information we typically collect, the types of sources from which we collect it, and the reasons we may use and share the information:

  • If you apply for membership online, we may collect the name of a family member who is an existing SAFE Credit Union member for the purpose of establishing membership eligibility.
  • We may collect information on applications and other forms you submit to us, such as your contact information (name, address, e-mail, telephone number), your identifying information (Social Security number, driver's license number); your demographic information (date of birth, marital status), and your financial information (income, debts, assets).
  • We collect information about your transactions (account balances, credit card usage, parties to transactions, payment history).
  • We may share information about your SAFE Credit Union transactions and payment history with third parties such as other financial institutions involved in processing your transactions, consumer reporting agencies and third parties with whom we contract to provide services to you.
  • We collect information about your creditworthiness, credit history and account history from consumer reporting agencies.
  • We may verify with third parties any information you provide on applications or other forms you submit to us (your payment history with other creditors; your employment status and income).
  • We may collect information from consumer purchasing and census data providers, marketing researchers, and public records, which we use to develop competitive marketing programs for our members.
  • We use your IP address and aggregate log file statistics to help diagnose problems with our server and to administer our web site.
  • Cookies are electronic markers that are stored directly on the computer you are using to indicate activity or access to specific web sites or pages contained on a web site. When you return to SAFE Online Banking service, your browser will give that information back to our server. We use cookies to maintain the state of your SAFE Online Banking session and to store your computer's configuration data. This cookie data is used to enable our service. If you disable cookies on the computer you are using, you will not be able to use SAFE Online Banking service. We do not encode your personally identifiable information in our cookies. Some third parties use cookies on their sites. We have no access to or control over their cookies.
  • Our site's applications and forms require users to give us contact information (such as name and email address) and financial information (e.g. account numbers). User contact information is used to contact the user for the purposes of account maintenance, customer service, or dissemination of product and service information.
  • We have calculator functions on the site that allow you to calculate different financial scenarios. These are standalone functions and are not tied to you or your personal information so when you use these functions, we do not collect, capture, or retain your personal information.
  • This site may contain links to other sites. SAFE Credit Union is not responsible for the information collection and use practices of third parties to which our web site may link or for the content of such web sites.
  • Our site collects personally identifiable information from you when you perform transactions using our Bill Pay application. This information is used exclusively to process your bill payment request.
  • Our site uses chat functionality to facilitate communication between users and SAFE Credit Union’s specially trained Online Support Representatives. Chat sessions may be archived as a means of review for service quality. Chat sessions are held to the same privacy standards as teller or phone transactions and certain banking transactions are not permitted through chat due to the limitations of online authentication.
  • We may gather data that is not personally identifiable to you, such as length of user site visit, number of hits on our web site, and web site pages visited. This information helps us to evaluate the usefulness of our web site.

Google Analytics

We use Google Analytics to understand how visitors engage with our web site. For information on how Google uses the data it collects and how to control the information sent to Google, please visit  www.google.com/policies/privacy/partners/.

Online Behavioral Advertising

Online behavioral advertising (also known as “OBA” or “interest-based advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web browsing activities across non-affiliated web sites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, advertisements that are most likely to be of interest to you are delivered using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies may set cookies and use related tracking, such as Google, throughout our web site or in our communications to support these OBA efforts. We do not currently have the technical capacity to offer an opt-out of OBA.

Web Browser Do Not Track Signals

Do Not Track (“DNT”) refers to an HTTP header used by Internet web browsers to request a web application disable its tracking or cross-site user tracking. When DNT is enabled, a user’s web browser adds a header to content requests indicating that the user does not want to be tracked. California law requires us to disclose how we respond to web browser DNT signals. We do not respond to or take any action with respect to a DNT configuration set in your Internet browser, and therefore, do not disable tracking.

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Notification of Changes

  • If we decide to change our Privacy Policy, we will post those changes to this Online Privacy Statement, the homepage, and other places we deem appropriate so our users always have the opportunity to learn what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the Privacy Policy under which the information was collected.
  • If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection, we will notify users. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their personal information be used in this new manner.

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Parties Who Receive Information From Us

We share member information to provide superior service, tell you about new or enhanced financial services, and improve and develop our products and services. We may share the information described above with the following companies and as otherwise permitted by law:

  • Companies that assist us in administering and bringing you our products and services. The information shared with these companies typically includes information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize, or protect the security of our financial records. These companies may include check and statement printing companies, and data processing vendors; however, these companies do not use your personal information for any secondary purposes. Our written agreements with these companies require them to maintain strict security protocols protecting our consumers’ nonpublic information and limit their use of information to what is necessary to complete the services we hire them to perform.
  • Businesses and other financial institutions with which we have a written joint marketing agreement to offer a broader array of offline products and services. Joint marketing agreements include confidentiality provisions to protect member information. These agreements prevent third parties from making your information available for any reason other than that which was intended. Examples of businesses with which we have entered into joint marketing agreements include insurance companies, mortgage servicing companies, and securities brokers/dealers. We have structured our information sharing with joint marketing companies so that we do not share your information unless you have requested their product or service and our sharing is necessary to process your request.
  • Companies that perform marketing or other business or professional services on our behalf such as businesses that perform mailing services or surveys. We have written agreements with these companies that include confidentiality provisions to protect member information.
  • Consumer and credit reporting companies.
  • There are other situations when we may disclose to third parties your personally identifiable information when permitted or required by law such as in response to legal process or to government entities or when you have requested us to share information about you with a third party.

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Information About Former Members

We will not share information collected about former members or non-members, except as may be permitted or required by law.

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Protecting Children's Privacy Online

From our web site, we do not knowingly collect or use personal information from children under 13 years of age without obtaining verifiable consent from their parents. Should a child whom we know to be under 13 years of age send us personal information, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of non-affiliated third parties to which our web site might link.

For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC web site..

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Safeguarding Your Privacy

SAFE Credit Union recommends that you take the following precautions to safeguard your privacy and protect against the unauthorized access or use of your personal and account information:

  • Protect your account numbers, personal identification numbers (PINs), and passwords. Never keep your PIN with your debit or credit card, which provides access to your accounts if your card is lost or stolen.
  • Monitor your account frequently. Immediately report any unusual activity to SAFE Credit Union.
  • Never disclose your account numbers, Social Security number, or other personal information to others unless you initiate the call or transaction. If someone calls, texts, or sends you an email, explaining the contact is on behalf of SAFE Credit Union and asks for your account number; do not divulge that information! Official credit union staff will have access to your information and have no need to ask for it.
  • Keep your information current. It is important that SAFE Credit Union has current information on how to reach you.
  • If SAFE Credit Union detects potentially fraudulent or unauthorized activity or use of an account, SAFE Credit Union will attempt to contact you immediately. For questions concerning identity theft and fraud, contact us at (916) 979-7233 or (800) 733-7233.
  • If your address, phone number, or email address changes, please update your information within SAFE Online Banking or write to SAFE Credit Union at the address below. For international address changes contact us at (916) 979-7233 or (800) 733-7233.

    SAFE Credit Union
    2295 Iron Point Road, Suite 100
    Folsom CA 95630-8765

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Privacy Choices

To opt-out of promotional email messages from SAFE Credit Union, please follow the steps below:

  • Send us an email.
  • Enter "Marketing Promotions Opt-out" in the subject line.
  • Enter your name and mailing address in the body of the email message.
  • Click the "Send" button.

National Do-Not-Call Registry
You can reduce the number of unwanted phone calls to your home by calling (888) 382-1222 or registering your phone number at www.donotcall.gov. To learn more, visit the FCC's  Stop Unwanted Robocalls and Texts.

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