Privacy Policy

Last Updated: January 2024

1. Introduction

Suncoast Credit Union ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website suncoastcredit.us.com and use our online banking services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Apply for financial products or services
• Contact customer support
• Subscribe to newsletters or marketing communications
• Participate in surveys or promotions

This information may include:

• Full name and contact information (address, email, phone number)
• Social Security Number or Tax Identification Number
• Date of birth
• Government-issued identification numbers
• Employment information and income details
• Account numbers and financial information
• Transaction history and payment information

2.2 Automatically Collected Information

When you access our website, we automatically collect certain information, including:

• IP address and device identifiers
• Browser type and version
• Operating system
• Referring URLs and pages viewed
• Date and time of visits
• Clickstream data and navigation patterns

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience and collect information about usage patterns. You can control cookie preferences through your browser settings.

3. How We Use Your Information

We use the collected information for the following purposes:

• Process account applications and transactions
• Provide and maintain online banking services
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Send account statements, confirmations, and important notices
• Respond to customer service requests
• Improve our website and services
• Conduct risk assessments and credit evaluations
• Send marketing communications (with your consent)
• Analyze usage patterns and trends

4. Information Sharing and Disclosure

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Payment processors and transaction networks
• Data analytics providers
• Cloud storage providers
• Marketing and advertising partners
• Customer support services
• IT security and fraud prevention services

4.2 Legal Requirements

We may disclose your information when required by law, including:

• Compliance with legal processes (subpoenas, court orders)
• Regulatory reporting requirements
• Protection against fraud or illegal activities
• Defense of legal claims
• Protection of our rights, property, or safety

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.4 With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• 256-bit SSL encryption for data transmission
• Secure server infrastructure with firewall protection
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Employee training on data protection practices
• Access controls and authorization procedures

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

Typically, we retain account information for at least 7 years after account closure, in accordance with financial industry regulations.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications
• Data portability: Receive your data in a structured format
• Restriction: Limit how we use your information
• Object: Object to processing based on legitimate interests

To exercise these rights, please contact us using the information provided below.

8. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising CCPA rights

We do not sell personal information to third parties.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

12. Do Not Track Signals

Our website does not currently respond to "Do Not Track" browser signals. You can manage tracking preferences through your browser settings and cookie controls.

13. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this policy regularly.

14. Contact Information

15. Consent

By using our website and services, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.