Self-Help Credit Union and Self-Help Federal Credit Union (the "Credit Union" or "We") respect your privacy and are committed to protecting it through our compliance with this policy. This policy covers your interaction with the Credit Union, its affiliates, and companies engaged by the Credit Union and its affiliates to render online services when you visit any mobile or online site or application that we own, including, but not limited to, www.self-help.org or www.self-helpfcu.org, and our mobile apps (the “Sites”).
This policy describes the types of information we may collect from you or that you may provide when you visit the Sites, including when you log into our online banking platform.
This policy also describes our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy does not apply to information collected by:
The Credit Union, offline or through any other means, including on any other Sites operated by the Credit Union or any third party; or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Sites.
Your California Privacy Rights
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit our CCPA notice and policy page.
Children Under the Age of 16
Our Sites is not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Sites. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on the Sites or on or through any of its features. If you believe we might have any information from or about a child under 16, please contact us at:
301 West Main Street
Durham, NC 27701
Attention: Privacy Rights
California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights (below) for more information.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Sites, including information:
By which you may be personally identified, such as name, postal address, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline ("personal information"); and/or
That is about you but individually does not identify you, such as search queries, your internet connection, the equipment you use to access our Sites, anonymized IP addresses or usage details.
We collect this information:
Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, anonymized IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
We use Google Analytics for aggregated, anonymized website traffic analysis. In order to track your session usage, Google drops a cookie (_ga) with a randomly-generated ClientID in your browser. This ID is anonymized and contains no identifiable information like email, phone number, name, etc. We do not send Google Analytics your full IP address.
We use GA to track aggregated website behavior, such as what pages you looked at, for how long, and so on. This information is important to us for improving the user experience and determining site effectiveness.
Information You Provide to Us
Information provided through our Sites may include:
Information that you provide by filling in forms on our Sites. This includes information provided at the time of registering to use our online banking services, or requesting further services such as a loan. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Sites.
Records and copies of your correspondence (including email addresses), if you contact us. Please note that emailing information or forms cannot be guaranteed to be secure and we recommend that you NOT share sensitive personal information or account data via email.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our online banking platform on our Sites.
Your search queries on the Sites.
The technologies we use for automatic data collection may include:
Web Beacons. Pages of our Sites and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Credit Union, for example, to count users who have visited those pages or opened an email and for other related Sites statistics (for example, recording the popularity of certain Sites content and verifying system and server integrity).
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
to respond to your inquiries and fulfill your requests;
to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information; to personalize your experience on the Site;
to allow you to apply for products or services;
to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;
for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.
We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you.
We may use the information we have collected from you to enable us to display advertisements; we do not disclose your personal information that we have collected through this website except for legally permitted business purposes.
Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
To our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Self-Help Credit Union and Self-Help Federal Credit Union's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Self-Help Credit Union and Self-Help Federal Credit Union about our Sites users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.
We may also disclose your personal information:
To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Self-Help Credit Union and Self-Help Federal Credit Union, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us.
We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way.
California residents may have additional personal information rights and choices. Please see Your California Privacy Rights below for more information.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
301 West Main Street
Durham, NC 27701
Attention: Privacy Rights
or via our toll-free number: