FACTS
WHAT DOES GULF COAST COMMUNITY FCU 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 and how we handle user privacy.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security Number and account balances
- credit history and credit scores
- income and payment history
When you are no longer our member, we continue to share your information as described in this notice.
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 Gulf Coast Community FCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information |
Does Gulf Coast Community FCU share? |
Can you limit this sharing? |
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
|
Yes | No |
|
For our marketing purposes – to offer our products and services to you
|
Yes | No |
|
For joint marketing with other financial companies |
Yes | No |
|
For our affiliates’ everyday business purposes – information about your transactions and experiences
|
No | We don't share |
|
For our affiliates’ everyday business purposes – information about your creditworthiness
|
No | We don't share |
|
For our affiliates to market to you |
No | We don't share |
|
For nonaffiliates to market to you |
No | We don't share |
Questions? Call 228-539-7029 or go to www.gulfcoastcommunityfcu.com
WHAT WE DO
|
How does Gulf Coast
Community FCU 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 and secured files and buildings.
|
|
How does Gulf Coast
Community FCU collect my personal information?
|
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing. |
DEFINITIONS
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Last Updated: February 2024
The GCCFCU mobile app and GCCFCU Card Hub mobile app (the “Apps”) are available for compatible Apple and Android devices. The Apps make it easy to manage your finances on the go.The Apps provide the Services to users on behalf of Gulf Coast Community FCU as a service provider. This Privacy Notice, in combination with relevant privacy notices that Gulf Coast Community FCU provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that the apps collect from or about users in connection with our mobile applications (the “Services”). Depending on the services you utilize with Gulf Coast Community FCU, the Apps may allow you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- pay other people
- deposit a check
- manage debit cards
- locate branches and ATMs
- receive alerts
The apps may collect personal information from you in the following ways:
(a) Personal Information Provided By You or Gulf Coast Community FCU.
- The apps may collect personal information from you or Gulf Coast Community FCU, such as your first and last name, address, e-mail, User IDs, and telephone number. Device images may be accessed when you deposit a check.
- The apps may request access to data located on the device used to access digital banking, including biometric, camera, and contacts. You will be prompted to allow access to this data, and if access is not allowed, the feature requiring that data may not be fully functional.
- The apps may periodically collect, transmit, and use Geolocation information to support features that prevent fraudulent card use, locate the nearest branch or ATM, and provide alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the apps are being used, or not at all. You can change your location permissions at any time in your device settings and if access is not allowed, the feature requiring that data may not be fully functional. .
-
- Location Data – Used for geofencing and beacon scanning essential for advertising/marketing campaign delivery.
- UserID – We use a random user GUID upon initial app access, which is later used during every connection. This GUID is unique for each device/app and changes after every app reinstall. This ID is used for identifying a user and sending campaigns.
- Product Interaction – We track user’s app entry, app exit, and pages viewed within the app.
- Name – We collect your first name for product personalization purposes.
- The apps may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
- We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties.
We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
- Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state, or geographic area.
- Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5 that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that an email was accessed or opened, or that certain content was viewed or clicked.
- 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 your location information when you use the Services; for example, to provide our fraud detection services. If you do not want the apps to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
(a) General Use. In general, the apps use your personal information to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. The apps use your personal information in the following ways:
- secure and maintain your account;
- identify you as a legitimate user in our system;
- provide improved administration of the Services;
- provide the Services you request;
- improve the quality of experience when you interact with the Services;
- send you administrative e-mail and/or push notifications, such as security or support and maintenance advisories; and
- send surveys, offers, and other promotional materials related to the Services.
- comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;
- protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims);
- audit our internal processes for compliance with legal and contractual requirements and internal policies;
- enforce the terms and conditions that govern the Service; and
- prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
LINKS TO OTHER SITES
The Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services and go to another site and another entity may collect personal and/or anonymous information from you. The apps’ provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.(b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. To do so, you should contact Gulf Coast Community FCU.(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can 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 Services.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss, and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.Federal laws and regulations require that US financial institutions retain original, active, and historical records. Your personal and financial data will be retained depending on applicable laws, regulations, and legitimate business needs.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we do not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
PRIVACY NOTICE UPDATES
This Privacy Notice is subject to occasional revision. Gulf Coast Community FCU may notify you, in its sole discretion, of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.
CONTACT US
If you have any questions or complaints about this Privacy Notice or the apps’ data collection or processing practices, or if you want to report any security violations to us, please contact us by email at: [email protected] or by mail at:
Gulf Coast Community FCU
Attn: Member Services
12364 Highway 49
Gulfport, MS 39503