Privacy Statement

Last updated: February 8, 2023

• Introduction
• Federal Financial Privacy Notice
• California Consumer Privacy Act
• Information We Collect and Use
• Notification of Changes
• Parties Who Receive Information from Us
• Do Not Sell Personal Information
• Protecting Children's Privacy Online
• Safeguarding Your Privacy
• Opting Out of Email Marketing from SAFE
• National Do-Not-Call Registry

Introduction

SAFE Credit Union (SAFE) is firmly committed to consumer privacy. Our Privacy Statement provides details about the information we collect, retain, use, and disclose. This information applies to all channels through which we collect information about consumers including this website, and our Online and Mobile (Mobile App) Banking platforms.

We restrict access to personal information about you to our employees and third-party service providers who have a specific business reason to know and use that information. Our employees are trained in the importance of maintaining confidentiality and privacy of our members and other consumers. We maintain physical, electronic, and procedural safeguards that comply with state and federal laws and regulations to guard your personal information. We regularly test and update our technology to improve the security of information we maintain about you.

This website and our Online and Mobile Banking platforms have security measures in place to protect the loss, misuse, or alteration of the information under our control. We use state-of-the-art SSL encryption technology to ensure your data is secure during transmission.

If you have questions or concerns regarding this statement, contact SAFE by chat, phone, or email.

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Federal Financial Privacy Notice

View our Federal Financial Privacy Notice that discloses how we collect, share, and protect your personal information.

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California Consumer Privacy Act

As a financial institution, SAFE Credit Union has for many 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 the Consumer Financial Protection Bureau’s Regulation P, in addition to the California Financial Information Privacy Act. They require us to disclose to our consumers the types of information we collect, the sources from which we collect information, and reasons we can use and disclose consumer information.

The California Consumer Privacy Act (CCPA) generally exempts personal information that SAFE collects from our members and other consumers.

Click on the links below to view CCPA rights and disclosures applicable to consumers who are not individuals applying for consumer financial products and services with SAFE or consumer members of SAFE:

• California Consumer Privacy Act Policy
• Notice at Collection for Job Applicants and Employees
• Notice at Collection for Consumers on Business Accounts/Loans

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Information We Collect and Use

We collect information about you to provide competitive financial products and services. Below are the types of information we typically collect, the sources from which we collect information, 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 (e.g., name, address, email, telephone number), your personal identifying information (e.g., Social Security number, driver license number); your demographic information (e.g., date of birth, marital status), and your financial information (e.g., income, debts, assets).
• We collect information about your transactions (e.g., 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 (e.g., 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 website.
• Our website'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 website 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 website may contain links to other websites. SAFE Credit Union is not responsible for the information collection and use practices of third parties to which our website may link or for the content of such websites.
• Our website includes forms that visitors can use to request information, products, and services from us. These forms contain the information we need to respond to your request.
• Our website 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 website 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. 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 website visit, number of hits on our website, and website pages visited. This information helps us to evaluate the usefulness of our website.
• Our Mobile App may request access to data located on your device when using certain products or features within the SAFE Mobile App. This may include location, biometrics, contacts, and camera data. If access is not allowed, the feature requiring that data may not be fully functional.
  • Location: Geolocation-based data is gathered to provide you with important communications and promotional offers through push notifications. The geolocation-based data is also used to assist you with locating the nearest SAFE ATM or branch through the SAFE Mobile App. If enabled, your location data may be collected while the app is closed or not in use. You may disable or adjust the Location Services at any time through your mobile device's settings. Disabling Location Services will not prevent you from using the SAFE Mobile App.
  • Contacts: SAFE's Person-to-Person service may prompt for access to the contacts stored on your device to assist with establishing payment recipients. Declining access will not prevent you from using this service.
  • Biometrics: Allows you to authenticate at login utilizing the stored fingerprint or face ID on your device. SAFE does not store biometric data in the SAFE Mobile App. Declining access will not prevent you from using the SAFE Mobile App.
  • Camera: In order to utilize the Check Deposit feature within the SAFE Mobile App, you will be required to allow access to the camera on your device. Declining access will prevent you from using the service. SAFE will not collect or store any data associated with your camera.
  • User ID: Upon initial app access, a random user ID is created which is later used during every connection. This random user ID is unique for each device/app and changes after every app reinstall. This random ID is used to send tailored promotional offers and communications.
  • Product Interaction: Your app entry, app exit, and pages viewed are tracked within the app.
  • Personal Information: Your first name is collected for product personalization purposes only.

Cookies and Related Technologies

We use cookies and other data collection technologies to:

• Personalize and provide a more responsive experience to you.
• Provide services like SAFE Online Banking and Live Chat.
• Determine which pages you visit.
• Measure advertising and promotional effectiveness.
• Assess which areas of our website you visit to:
  • Remarket to you after you visit our website, and
  • Provide ads relevant to your interest on third party sites.

What are cookies and related technologies? Like most websites, we use technologies that are essentially small data files placed on your computer, tablet, mobile phone, or other devices that allow us to record certain pieces of information whenever you visit or interact with our websites, services, applications, messaging, and tools. These technologies also include pixel tags which are small graphic images that typically work in conjunction with cookies to identify our users and user behavior.

We use browser session and persistent cookies. Session cookies are temporary cookies that are erased from your device’s memory when you close your Internet browser or turn your computer off. Persistent cookies are stored on your device until they expire unless you delete them before that time. We group browser cookies on our website into three categories, which you can manage through our "Cookie Consent Manager." You can return to it at any time to change your preferences. These three categories are:

• Required cookies: These cookies are necessary to enable core website functionality, such as secure log-in for SAFE Online Banking and allowing you to select your cookie preferences.
• Functional cookies: These cookies are necessary to provide a full visitor experience, such as when using our Live Chat service.
• Marketing cookies: These cookies allow us to analyze website usage to improve performance and use first-party or third-party cookies and pixel tags to deliver ads relevant to your interests on third party sites. This includes using technologies to understand the usefulness to you of the advertisements and content that have been delivered to you, such as whether you have clicked on an advertisement.

We use cookies to maintain 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 device 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.

Once you set your preferences for cookies, that preference is retained for one year on your device. After that time, you will be prompted again to select your preferences. If you clear cookies from your browser or you utilize browser settings that refuse all non-essential cookies, you will be prompted again to select your preferences.

In addition, there are browser settings you can set in your Internet browser, such as Internet Explorer, Google Chrome, or Mozilla FireFox, that can also address cookies and trackers. Sometimes these settings contradict what you may choose on our website. For example, if you set your browser settings to refuse all non-essential cookies, and then later visit our page and make a cookie selection, that preference is stored as a cookie and, per your browser settings, may override your selection. This means the website won’t remember your selection on your next visit and you may have to make a selection during every visit.

Google Analytics

We use Google Analytics to understand how visitors engage with our website. 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/.

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, we do not disable tracking.

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Notification of Changes

• If we decide to change our privacy policies, we will post those changes to this Privacy Statement, the safecu.org 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 website, or deleted/deactivated their account, 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 personal information and limit their use of the 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 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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Do Not Sell Personal Information

We will not sell personal information collected about current members, former members, or non-members.

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Protecting Children's Privacy Online

From our website, 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 sends 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 website 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. Unprotected PINs can provide free 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) SEE-SAFE.
• If your address, phone number, or email address changes, please update your information within SAFE Online Banking, our Mobile App, or write to SAFE Credit Union at the address below. For international address changes contact us at (916) 979-7233 or (800) SEE-SAFE.

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

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Opting Out of Email Marketing from SAFE

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

1. Send us an email.
2. Enter "Marketing Promotions Opt-Out" in the subject line.
3. Enter your name and mailing address in the body of the email message.
4. Click the "Send" button.

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National Do-Not-Call Registry

You can reduce the number of unwanted phone calls 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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