Privacy Notice

FEDERAL LAW
FACTS	WHAT DOES SOUTH BAY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the accounts, products or services you have with us. This information can include: Name, address, Social Security Number, and income Account balances and payment history Credit history and credit scores
How?	All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons South Bay Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does South Bay Credit Union share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes—to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates’ everyday business purposes—information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes—information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For non-affiliates to market to you	No	We do not share

Reasons we can share your personal information
For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, respond to court orders and legal investigations, or report to credit bureaus
Does South Bay Credit Union share?
Yes
Can you limit this sharing?
No

Reasons we can share your personal information
For our marketing purposes—to offer our products and services to you
Does South Bay Credit Union share?
Yes
Can you limit this sharing?
Yes

Reasons we can share your personal information
For joint marketing with other financial companies
Does South Bay Credit Union share?
Yes
Can you limit this sharing?
Yes

Reasons we can share your personal information
For our affiliates’ everyday business purposes—information about your transactions and experiences
Does South Bay Credit Union share?
No
Can you limit this sharing?
We do not share

Reasons we can share your personal information
For our affiliates’ everyday business purposes—information about your creditworthiness
Does South Bay Credit Union share?
No
Can you limit this sharing?
We do not share

Reasons we can share your personal information
For our affiliates to market to you
Does South Bay Credit Union share?
No
Can you limit this sharing?
We do not share

Reasons we can share your personal information
For non-affiliates to market to you
Does South Bay Credit Union share?
No
Can you limit this sharing?
We do not share

To limit our sharing	Call 310.374.3436 and speak with a representative Email us at: sbcu@southbaycu.com Please note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent you this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call us at 310.374.3436 or visit us online at southbaycu.com.

Who We Are
Who is providing this notice?	South Bay Credit Union.

What We Do
How does South Bay Credit Union protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.
How does South Bay Credit Union collect my personal information?	We collect your personal information, for example, when you start an account apply for a loan use your credit or debit card pay your bills make deposits to or withdrawals from the accounts you have with us We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?	Federal law only gives you the right to limit: sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on the account you have with us.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. South Bay Credit Union has no affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates we share with can include mortgage companies, insurance companies, direct marketing companies, and non-profit organizations
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include: Mortgage companies Insurance companies Other financial service providers

Other Important Information
California law provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. To exercise your right, refer to the separate notice titled, “Important Privacy Choices for Consumers” which is provided to you by South Bay Credit Union.

CALIFORNIA LAW
What is personal information?	Personal Information. Under the CCPA your “Personal Information” includes the following data that identifies, relates to or may be associated with you: Demographic information (i.e., name, address, email), A unique identifier, such as an IP address, Account or Social Security Number, Driver’s license or passport, Personal property records, Card numbers, Access codes (PINs & passwords), Online activity, Biometric, geolocation, employment and education data, Browsing and search history, and Information concerning a consumer’s interaction with a website. Personal information also includes information that is identifiable to your household.

CALIFORNIA LAW

What is personal information?

Personal Information. Under the CCPA your “Personal Information” includes the following data that identifies, relates to or may be associated with you:

Demographic information (i.e., name, address, email),
A unique identifier, such as an IP address,
Account or Social Security Number,
Driver’s license or passport,
Personal property records,
Card numbers,
Access codes (PINs & passwords),
Online activity,
Biometric, geolocation, employment and education data,
Browsing and search history, and
Information concerning a consumer’s interaction with a website.

Personal information also includes information that is identifiable to your household.

South Bay Credit Union Collection of Member Personal Information
Categories of Member Personal Information We Collect	Your personal information that we collect may include: Personal identifier information: name, email address, social security number, driver’s license number, access codes, Account & transaction information: account number, card number, account information, transaction information, and credit information and required consents, opt-in & opt-out requests.
Where We Collect Member Personal Information	We collect the categories of personal information listed above when you: visit our website or submit an online application, conduct any branch, mail or online transaction, use the Personal Finance Manager program or send us an e-mail, or phone inquiry.

South Bay Credit Union Use and Sharing of Member Personal Information
How We May Use Member Personal Information	We may use each category of personal information we collect for the following purposes: To verify the identity of the person conducting the account transaction or inquiry with us or our service providers, To fulfill account or service requests that you initiate, To prevent fraud or meet legal requirements. We have never sold, and we will not sell any of your personal information to anyone.
How We May Share Member Personal Information	We may share your personal identifiable information with 1) our third-party service providers and payment processor to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement.

Your Rights to Protect Your Personal Information
Right to Request Access to Your Personal Information	You have a right to access your personal information that we have collected. Upon your request by mail, email or in person to the Credit Union, we will disclose any of the following information requested: The categories of personal information collected, The sources from which personal information was collected, Our purpose for collecting the information, The categories of third parties with whom we share personal information, and The specific pieces of your personal information we have collected.

Your Rights to Protect Your Personal Information

Right to Request Access to Your Personal Information

You have a right to access your personal information that we have collected. Upon your request by mail, email or in person to the Credit Union, we will disclose any of the following information requested:

The categories of personal information collected,
The sources from which personal information was collected,
Our purpose for collecting the information,
The categories of third parties with whom we share personal information, and
The specific pieces of your personal information we have collected.

Your Rights to Protect Your Personal Information (continued)
Right to Request Your Personal Information Be Deleted	You have the right to request that we delete personal information about you that we have collected. Upon your verifiable request by mail, email or in person to the Credit Union, we will delete the information and direct our service providers to delete the information from its records unless we or service provider needs the personal information. The following are the exceptions where the Credit Union and our service providers need the personal information to maintain and service your account and cannot delete the information: To process your transactions for which the personal information was collected, To provide the account or service requested, To detect security incidents, protect against fraudulent, or illegal activity, To identify and correct any Credit Union systems errors, To comply with the California Electronic Communications Privacy Act, To operate the systems and applications to maintain your accounts and services, To comply with a legal obligation or in a lawful manner compatible with the context in which you provided the information.
Right to Opt Out of the Sale of Your Personal Information	The Credit Union does not sell any member personal information to any third party.
Right to Equal Services and Pricing	You have the right to receive equal service and pricing from us even if you choose to exercise any of your privacy rights. We will not discriminate against you for exercising any of the consumer’s rights, including: denying accounts or services to you, charging different prices or rates for accounts or services or imposing penalties, providing a different level or quality of accounts or services to you or suggesting that you will receive a different price or rate for accounts or services or a different level or quality of accounts or services.
How to Submit Requests to the Credit Union or Contact Us for More Information	How to Submit Requests to the Credit Union or Contact Us for More Information In person – at any South Bay Credit Union branch By phone – call 310.374.3436 to speak with a representative By email – sbcu@southbaycu.com You may designate an authorized agent to submit requests on your behalf by providing us with your written authorization of the agent and nature of your request. We will verify your request by using our current authentication practices including matching the identity information you provide with your request with your personal information we maintain on file.

Additional Online Privacy Protections
Use of Cookies. South Bay Credit Union uses cookies when you visit our website. These cookies are essential for enabling user movement around our website and providing access to features such as your member-only resources, online banking, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the internet and South Bay Credit Union does not track or sell this data. This category of cookies cannot be disabled.
California Do Not Track Disclosures. Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Our website will not honor DNT signals from you and we will not monitor or collect information of your browsing activity.
Our Privacy Policy is posted on our website: southbaycu.com. You can reach us by calling 310.374.3436. Privacy Policy Changes. We reserve the right to amend this Privacy Policy at our discretion and at any time. We will post our amended Privacy Policy on our website or otherwise notify you as required by law.