Disclosures

Links to Other Sites

Links to non-Sierra Central websites are provided solely as pointers to information that may be useful to SierraCentral.com users. Sierra Central has no control over the content on such non-Sierra Central websites. Sierra Central makes no warranties, either express or implied, concerning the content of such linked sites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Sierra Central warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Sierra Central does not guarantee the authenticity of documents on the Internet. Links to non-Sierra Central sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.


Your Truth-In-Savings Disclosure

To open you account, complete the appropriate account card and return it to your Member Services Representative.  Please read the entire Truth-In-Savings disclosure and retain with your personal records.  Click here for the entire document.


Protect Your Home From Foreclosure


E-Signature Disclosure 2203 08-31-16


Credit Card Agreements

Credit Card Agreement

Visa Secured Credit Card Agreement


Sierra Central Privacy Policy

We at Sierra Central Credit Union value the privacy of our members. You have chosen to do business with us, and we recognize our responsibility to keep the information you provide to us secure and confidential.

This privacy policy explains how we protect the privacy of your personal information and when we release information about you under certain situations, such as to maintain your account, or other circumstances as required or permitted by law.

Information We Collect and Disclose to Others

In the course of doing business, we collect and use various types of information, such as information available from public records and credit reports, as well as information you provide to us. We may also access information about you, such as credit reports, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you. In addition, we collect information about you from the following sources:

  • Information we receive from you on applications and other forms you submit to us, such as your name, address and social security number.
  • Information about your transactions with us, our affiliates or others such as account balances and payment history.
  • Information we receive from credit reporting agencies, such as your credit worthiness and credit history.

We may also disclose all of the information that we collect as described above. We do not disclose any non-public personal information about our members and former members to anyone, except as permitted by law.

Shared Information with Third Parties

We may disclose non-public personal information about you to financial service providers such as insurance agents. We may also disclose non-public personal information about you to non affiliated third party processors as necessary to complete transactions, maintain accounts and records, and as permitted by law.

We may disclose all the information we collect as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law.

Confidentiality and Security of Information

Keeping your financial information secure is an important responsibility that is taken seriously at Sierra Central Credit Union. We value your trust and handle your information with care. We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. Our policies and procedures emphasize the importance of keeping our members’ information confidential. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public information.

Accuracy of Information

We make every effort to ensure that our records contain accurate, current and complete information. If you find that your account information is inaccurate, please call us at (800) 222-7228 or write to us at 820 Plaza Way, Yuba City, CA 95991. We will promptly investigate and make any necessary changes to update your records.

Termination of membership

If you decide to terminate your membership with Sierra Central Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

sierracentral.com Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details to help you with your experience.

When do we collect information?

We collect information from you when you register on our site, respond to a survey, fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  • To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.
  • To improve our website in order to better serve you.
  • To allow us to better service you in responding to your customer service requests.
  • To administer a contest, promotion, survey or other site feature.
  • To send periodic emails regarding your order or other products and services.

How do we protect visitor information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

  • Keep track of advertisements.
  • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.

If users disable cookies in their browser:

If you disable cookies off, some features will be disabled It will turn off some of the features that make your site experience more efficient and some of our services will not function properly and may interfere with your use of our website.

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

AdRoll Avertising Services

AdRoll’s advertising commitment to protecting your privacy is outlined in their privacy policy and their privacy policy describes the overall company Privacy Policy of Semantic Sugar inc. (referred to as “AdRoll”, “AdRoll.com” “we”, “our”) and the services offered on the AdRoll.com website (referred to as “Services”, “Service”).

We use AdRoll Advertising on our website.

AdRoll, as a third party vendor, collects data about your activities that does not personally or directly identify you when you visit our website, the website entities for which we serve advertisements (our “Advertisers”), or the websites and online services where we display advertisements (“Publisher”). AdRoll uses technologies such as cookies and pixels to keep track of your activities on our website to serve ads on our site and to serve you more relevant advertisements.  Users may remove cookies by following directions provided in your Internet browser’s “help” file.  You may also decline our cookies if your browser permits, but doing so may interfere with your use of our website.

We have implemented the following:

  • Demographics and Interests Reporting

We along with third-party vendors, such as AdRoll use first-party cookies and third-party cookies or other third party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA we agree to the following:

Users can visit our site anonymously

Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.

Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.

Users will be notified of any privacy policy changes:

  • On our Privacy Policy Page

Users are able to change their personal information:

By logging in to their account

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

It’s also important to note that we allow third party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify the users via in site notification

  • Within 7 business days

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions.
  • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred

To be in accordance with CANSPAM we agree to the following:

  • NOT use false, or misleading subjects or email addresses
  • Identify the message as an advertisement in some reasonable way
  • Include the physical address of our business or site headquarters
  • Monitor third party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly
  • Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can

Email us at servicecenter@sccu4u.com and we will promptly remove you from ALL correspondence.

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

sierracentral.com

Yuba City

United States

1351 Harter Parkway

California

95991

servicecenter@sccu4u.com

800-222-7228

Last Edited on 2015-02-12