Effective date: 05/09/2025
This Privacy Policy explains how southshorecu.org (“Website,” “Site,” “we,” “us,” or “our”) collects, stores, shares, and uses information provided by users (“you,” “your,” or “User”).
By using this Website, you agree to the terms of this Privacy Policy and the Website’s Terms and Conditions. If you do not agree, please stop using the Website immediately and do not submit your information.
The services on this Website are available only to legal U.S. residents who are at least 18 years old. Our operations comply with all applicable federal, state, and local laws.
If you have already submitted information and would like it removed from our records under our control, please contact us using the details provided on the Website.
I. Information We Collect
1. Personally Identifiable Information (PII)
To use our services, you may be required to submit PII through our online loan request form. PII may include, but is not limited to:
- Name, address, email, and phone number
- Date of birth and employment details
- Social Security Number and other identification information
- Banking information
This information is necessary to connect you with lenders and service providers in our network. Sensitive information such as Social Security Numbers and banking details are shared only with lenders for loan purposes and are never sold to third-party marketers.
2. Non-Personally Identifiable Information (NPII)
When you use the Website, we may automatically collect NPII such as:
- IP address, browser type, operating system
- Geographic location
- Referral and exit pages
- Date and time of visits
- Internet service provider details
We may share NPII with contracted third parties for analytics and marketing unless you opt out.
II. How We Use Your Information
Your information may be used to:
- Connect you with one or more lenders or service providers
- Contact you regarding products and services you expressed interest in
- Provide marketing information (with your consent)
- Protect against fraud and malicious activity
Some PII (excluding Social Security Numbers and banking information) may be shared with authorized third parties for technical support or consumer reporting, but only under strict confidentiality obligations.
Your PII may also be disclosed if required by law, in response to lawful government requests, to protect property or safety, or in the event of a merger, acquisition, or bankruptcy.
III. Third-Party Marketing
Your PII (excluding Social Security Numbers and banking details) may be shared with third-party marketers, lenders, or advertisers. These parties may use your information to present products and services through email, telemarketing, text messages, direct mail, online ads, or other methods.
You may opt out at any time by using the unsubscribe option in these communications or by contacting us directly. However, once your information has been shared, you will need to contact third parties individually to remove your details from their databases.
IV. Credit Implications
By submitting your information, you authorize lenders in our network to verify your identity and check your creditworthiness. This may include requesting credit reports from one or more major credit bureaus. Such checks may impact your credit score. Credit verification is conducted solely by lenders and is governed by their own legal agreements.
V. Email and Telemarketing Consent
By providing your information, you agree that we, lenders, and third-party marketers may contact you by email, phone, or text messages—even if your phone number is listed on state, federal, or corporate Do-Not-Call registries.
You confirm that you are at least 18 years old, legally authorized to own and use a mobile device, and understand that standard carrier charges may apply.
VI. Collection of Non-Personal Data
We use tools such as cookies, web beacons, pixel tags, server logs, and analytics software to collect and store information about your browsing behavior.
- Cookies: Small files placed on your device to track your online activity, detect fraud, and improve services. You can manage or delete cookies via your browser settings.
- Pixel Tags & Web Beacons: Small graphics used in webpages and emails to track engagement.
- Log Files: Records of IP addresses, browser type, ISP, timestamps, clicks, and referral pages used to analyze user activity.
VII. Privacy Management
If you do not want your information collected or tracked, you should stop using the Website. You can also manage cookies and tracking through your browser settings.
Currently, this Website does not respond to “Do Not Track” signals, but you may unsubscribe from third-party email lists to reduce tracking.
VIII. Security of Information
We use physical, electronic, and managerial safeguards to protect your PII from unauthorized access, fraud, and misuse. Access to PII is limited to authorized personnel only.
However, no online service can guarantee 100% security. We cannot be held responsible for breaches beyond our control. Third-party marketers and lenders are contractually required to maintain reasonable security measures.
IX. Children’s Privacy
We do not knowingly collect information from children under 18. If such data is discovered, it will be deleted immediately. This Website complies with the Children’s Online Privacy Protection Act (COPPA).
X. E-Consent
By using the Website, you consent to receive disclosures, documents, and communications electronically under the Federal Electronic Signatures in Global and National Commerce Act (E-Sign Act). These electronic records are legally binding and should be considered “in writing.”
XI. Third-Party Websites
The Website may link to third-party sites. We are not responsible for the privacy practices or content of these sites. We encourage you to review their policies before providing personal information.
XII. State-Specific Notices
Some states require specific disclosures about how PII is collected, shared, and used. If you are a resident of such a state, you may contact us directly for additional details. We reserve the right to deny requests from residents of states where such regulations do not apply.
XIII. Changes to This Privacy Policy
We may update this Privacy Policy at any time without prior notice. The “effective date” will be updated accordingly. The version of the policy in effect when your data was collected will govern its use. We encourage you to review this page periodically.
XIV. Inquiries and Complaints
You may request to update, amend, or delete your PII by contacting us. Complaints regarding the Website or its services can also be submitted to:
support@southshorecu.org