Disclosures & Policies 

Privacy Policy

 

We understand the importance of protecting the privacy of our Members. As such, we are committed to maintaining the confidentiality of our Members' financial records consistent with state and federal laws.  The following sets forth our policies consistent with state and federal laws.  The following sets forth our policies regarding our use and protection of your financial information.

 

Collection and Use of Information

 

During the course of business, we collect the information you provide to us as well as information available from public records and credit reports. We use this information about you to administer your records and Accounts, to process your transactions, to assist us in developing new products and services, to aid you in learning more about our products and services, and to fulfill any legal regulatory requirements.  We collect nonpublic personal information about you from the following sources:

 

    * Information we receive from you on applications or other forms

    * Information about your transactions with our affiliates, others or us

    * Information we receive from a consumer-reporting agency

 

Sharing Information with Third Parties

 

We may disclose all the information we collect, as described above to companies that perform services on our behalf, such as check-printing and data processing companies, or to other financial institutions with whom we have joint marketing agreements.

 

Generally, we share your nonpublic personal information with nonaffiliated third parties to complete transactions and maintain Accounts and related records) such as data processing transactions and records).  We may also share information with select nonaffiliated third parties if: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or 4) the disclosure otherwise is lawfully required or permitted.

 

At times, we may enter into agreements with other businesses to provide support or service to us or for one or more of our products, such as check printing or data processing companies. Under certain circumstances, we may also enter into joint marketing agreements with other financial institutions. Before entering into relationships with such entities, we require them to agree to safeguard our consumers' information and to comply with all applicable privacy laws.  There are several types of third parties with whom we may share your information. We may disclose nonpublic personal information about you to the following types of affiliated and nonaffiliated third parties: Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents; We may also disclose nonpublic information about you to nonaffiliated third parties not described above as permitted by law.

 

Types of Information That We May Share

 

We do not disclose any nonpublic personal information about our Members and former Members to anyone, except as permitted by law.

 

Security of Information

 

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to our Members. Our employees access information when needed to administer your Accounts, to provide requested services, or in response to a legally valid outside request or order (such as subpoena).  Our employees may also access information to exercise our rights under the law or pursuant to any agreement with you.  We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.  We also continually update and assess our systems to improve our technology for protecting information.

 

Accuracy of Information

 

We strive to ensure that our records contain accurate information about you. If you see any inaccuracies in your statements, please call 800.426.1917. We will promptly investigate and make any necessary changes to update your records.

 

Information Sharing in the Event of Termination of Membership

 

If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

 

Information Sharing Notice for Web Site

 

Southland Credit Union is committed to protecting the privacy of all Members.  You have the right to control whether we share some of your personal information.  Please read the following information carefully.

 

Your Rights

 

You have the following rights to restrict Southland Credit Union from sharing personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. However, we will share information necessary for us to follow the law, as permitted by law, or to give you the best service on your Southland Credit Union accounts.  This includes sending you information about Southland Credit Union products and services.

 

Your Choices

 

Please visit, www.southlandcu.org, to complete Southland Credit Union's Opt-Out Application.

 

Additional Options Regarding Your Personal Information

 

If you would like to reduce the amount of advertising you receive from other companies, visit the Web site www.dmaconsumers.org or write to the following agencies and include your name, address and telephone number:

 

DMA Mail Preference Service

P.O. Box 643 Carmel, NY 10512

DMA Telephone Preference Service

P.O. Box 1559 Carmel, NY 10512

 

You also have the right to have your name and address removed from mailing lists obtained from the main consumer credit reporting agencies -- Experian, Equifax, and TransUnion. You can be removed from pre-screened credit or insurance offer mailing lists by calling 888.5OPT.OUT (888.567.8688). Or write to the following credit reporting agencies directly and include your name, address and Social Security Number:

 

Experian Consumer Services

901 West Bond Street

Lincoln, NE 68521

www.Experian.com

 

Equifax Credit Information Services, Inc.

P.O. Box 740241

Atlanta, GA 30374

www.Equifax.com

 

TransUnion Corp LLC's Name Removal Option

P.O. Box 97328

Jackson, MS 39288-7328

www.TUC.com

 

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.fcc.gov/cgb/donotcall

 

Changes to Our Policy

 

We reserve the right to revise our policy as our business needs change or as the law requires.  If we revise our policies, we will provide our active members with copies of our new policies at that time.