Your Personal Information Protections
What is Personal Information?
Personal Information. Under California law 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, state ID card, or passport,
- Personal property records,
- Card numbers,
- Access codes (PINs and 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.
University 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 and transaction information: account number, card number, account information, transaction information, and credit information and required consents, opt-in and opt-out requests.
Where we collect Member Personal Information
We may collect the categories of personal information listed above when you: visit our website or submit an online application, conduct any advisory center, mail or online transaction, send us an email, or phone inquiry.
University Credit Union Use and Sharing of Member Personal Information
Purposes for which University Credit Union uses and shares 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 that protects your personal information.
How long we will retain Member Personal Information
We will retain your personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right to request us to delete your personal information.
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 University 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;
- The specific pieces of your personal information we have collected.
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 University 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 University 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 University 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 correct inaccurate information
You have the right to request University Credit Union to correct any personal information of yours that is inaccurate.
Right to opt-out of sharing or the sale of your Personal Information
You have the right to opt-out of any sharing of your personal information by University Credit Union with third parties, except our sharing with (i) our third-party service providers and payment transaction processors to facilitate your services or transactions, or (ii) other financial companies with whom we have a joint marketing agreement that protects your sensitive personal information.
University Credit Union does not sell any member personal information to any third party.
Your Sensitive Personal Information Protections
What is Sensitive Personal Information?
Sensitive Personal Information. Under California law your “Sensitive Personal Information" means Personal Information that reveals information about your:
- Social Security Number,
- Driver’s license, state ID card, or passport number,
- Account access(log-in) credentials and account/card number in combination with a security/access code (PIN/Password) to access your account,
- Precise Geolocation or biometric identification data about you,
- Racial or ethnic origin, religious or philosophical beliefs or union membership, or sexual orientation,
- Contents of your email, mail or text messages unless University Credit Union is the intended recipient, and
- Genetic personal information.
University Credit Union collection of Member Sensitive Personal Information
Categories of Member Sensitive Personal Information we collect
Your sensitive personal information that we collect may include:
- Social Security Number,
- Driver’s license, state ID card, or passport number,
- Account access credentials,
- Geolocation or biometric data about you,
- Racial or ethnic origin, religious or philosophical beliefs or union membership, or sexual orientation, and
- Contents of your email, mail, or text messages unless University Credit Union is the intended recipient.
Purposes for which University Credit Union uses and shares Member Sensitive Personal Information
How we may use Member Sensitive Personal Information
We may use each category of sensitive 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 sensitive personal information to anyone.
How we may share Member Sensitive Personal Information
We may share your sensitive personal identifiable information with 1) our third-party service providers and payment transaction processors to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement that protects your sensitive personal information.
How long we will retain Member Sensitive Personal Information
We will retain your sensitive personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right request us to delete your sensitive personal information
Your rights to protect your Sensitive Personal Information
Right to limit the use and disclosure of Sensitive Personal Information
You have the right to request University Credit Union to limit the use and disclosure of the following sensitive personal information of yours for purposes other than what is reasonable and beneficial to you: precise geolocation data; racial and ethnic origin; contents of certain email or text messages, and biometric information.
Additional Rights and Protections
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 University Credit Union or contact us for more information
You may submit your requests to University Credit Union as follows:
In person – at any University Credit Union Advisory Center
Mail - University Credit Union, 1500 S. Sepulveda Blvd., Los Angeles, CA 90025
Web - Make a submission via the CCPA Request Form below
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. University 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 University 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.
Access to and amendments to privacy policy
Our Privacy Policy is posted on our website ucu.org
You can reach us: Toll-free at 800.UCU.4510
University Credit Union may update this Privacy Notice at any time to reflect changes in our business, legal or regulatory requirements. If we may make any material changes to this Privacy Notice we will notify you before the changes are effective by mail or email if you have chosen email communication. Any changes to this Privacy Notice will be effective on the date we designate as the effective date or as required by law. Please visit this page for our current Privacy Notice.
CCPA Request Form