Privacy Policy

Our Commitment to Your Privacy

At Southside Credit Union, your privacy is a top priority. This policy describes how we collect, use, share, and protect your nonpublic personal information, in accordance with the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable state laws.

Information We Collect

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

• Information you provide — such as your name, address, Social Security number, date of birth, income, employment, and account application information.
• Information about your transactions — such as account balances, payment history, parties to transactions, and credit card usage.
• Information from consumer reporting agencies — such as your creditworthiness, credit score, and credit history.
• Information from other sources — such as verification of employment, identity verification services, and public records.

How We Use Your Information

We use your personal information to:

• Open, maintain, and service your accounts
• Process transactions and provide requested services
• Verify your identity and protect against fraud
• Comply with legal and regulatory requirements
• Communicate with you about your accounts and services
• Offer products and services that may interest you

Information We Share

We do not sell or rent your personal information. We may share your information with:

• Service providers that perform services on our behalf (data processing, statement printing, etc.)
• Financial institutions with which we have joint marketing agreements
• Credit reporting agencies and fraud prevention services
• Government agencies and regulators as required by law
• Other parties when you authorize or direct us to do so

All third parties are contractually obligated to safeguard your information and use it only for the purposes we specify.

Your Privacy Rights

Under federal and state law, you have the right to:

• Know what personal information we collect and how we use it
• Opt out of certain information sharing
• Access and correct your personal information
• Limit sharing of information with affiliates for marketing purposes
• Request a copy of this privacy notice at any time

How We Protect Your Information

We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. These safeguards include:

• 256-bit TLS encryption for all data in transit
• AES-256 encryption for data at rest
• Multi-factor authentication for online banking access
• Regular security audits and penetration testing
• Employee training on information security
• Strict access controls and monitoring

Online Banking Privacy

When you use our online banking services, we may place cookies on your device to enhance security and improve your experience. You may control cookies through your browser settings, but disabling them may affect functionality.

Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect information from children except as required for youth account administration with parental consent.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes as required by law. The most current version is always available on this page.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: