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Privacy Policy

Your trust is the cornerstone of our relationship with you. The privacy of the information that Seaboard Federal Credit Union obtains about you is an important part of that relationship. We have always been required by our bylaws to keep your transactions with us confidential. Our information disclosure practices and procedures are set out below.

Categories of Information We Collect:

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms;
  • Information about transactions with us, our affiliates, or others; and
  • Information we receive from a consumer reporting agency.

Categories of Information We Disclose and Entities to Which We Disclose Information:

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law. For example, we may disclose the following kinds of nonpublic personal information about you to process transactions initiated by you or under joint marketing agreements;

  • Information we receive on applications and other forms, such as your name, address, social security number, account balances, income, debts and other obligations;
  • Information about your transactions with us such as your account balance(s), payment history, other parties/borrowers to transaction, and credit card use.

We may disclose nonpublic personal information about you resulting from transactions initiated by you or under joint marketing agreements to the following types of third parties:

  • Financial Service Providers, such as check clearing processors, our data processors, credit card and debit card processors;
  • Marketing Service Providers, such as insurance companies.

–We will not disclose consumer report information to affiliated parties without complying with the requirements of the Fair Credit Reporting Act.

Mobile Application Location Information:

If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

Mobile Application Opting Out of Location Tracking:

If you initially consented to the collection of geo-location information through the Services, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

Confidentiality and Security:

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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