Privacy statement — California

This California Consumer Privacy Act Notice (“Notice”) supplements the information contained in the Privacy Policy of Oregon State Credit Union and applies solely to visitors, users, and others who are residents of the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), the California Consumer Privacy Act Regulations (“CCPAR”), and other California privacy laws.

Personal information we collect

Your privacy is important to us. We maintain physical, technical, electronic, procedural, and organizational safeguards and security measures designed to protect personal data against unauthorized and accidental disclosure and access.

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with California residents and their devices (“Personal Information”).

Within the past twelve months we have collected the following categories of Personal Information from consumers:

Categories of personal information collected
Category Examples Collected
A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

Yes
B. Personal information categories (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

Yes
C. Protected classification characteristics.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Yes
D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Yes
E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

Yes

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

Yes
G. Geolocation data.

Physical location or movements.

Yes
H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

Yes

I. Professional or employment-related information.

Current or past job history or performance evaluations. Yes

J. Non-public education information

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

Yes

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Yes

Sources from which we collect Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from California residents and those acting on their behalf.

  • Our service providers

  • Public records

  • Directly and indirectly from activity on our website (www.oregonstatecu.com), mobile application, and social media sites

  • From our business members

  • Outside companies from whom we collect Personal Information to support human resources activities

  • Outside companies and service providers that interact with the credit union in connection with the services we perform

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided

  • To provide you with services that you request from us

  • To support our operations including meeting risk, legal, and compliance requirements

  • To provide you with email alerts and other notices concerning our products or services, or events or news, that may be of interest to you

  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections

  • To improve our website and present its contents to you

  • For research, analysis, product development, marketing, and service innovation

  • As necessary or appropriate to protect the rights, property or safety of us, our members or others

  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations

  • To support employment, infrastructure, and human resource management

  • As described to you when collecting your personal information or as otherwise set forth in the CCPA

Disclosure of Personal Information

We may disclose your Personal Information to a third party for a business purpose. When we do this, the recipients are contractually bound to keep your personal information confidential and to not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

  • Category A: Identifiers

  • Category B: California Customer Records personal information categories

  • Category C: Protected classification characteristics under California or federal law

  • Category F: Internet or other similar network activity

  • Category G: Geolocation data

  • Category K: Inferences drawn from other personal information

We disclose your Personal Information for a business purpose to the following categories of third parties:

  • Our service providers

Sale of Personal Information

We do not sell your Personal Information.

Your rights and choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to specific information and data portability rights

You have the right to request that we disclose certain information to you about our collection, use and disclosure of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of Personal Information we collected about you

  • The categories of sources for the personal information we collected about you

  • Our business or commercial purpose for collecting that Personal Information

  • The categories of third parties with whom we share that Personal Information

  • The specific pieces of personal information we collected about you (also called a data portability request)

  • If we disclosed your Personal Information for a business purpose, a list containing the disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained

We will not honor your request if we cannot verify your identity, or if another exception applies such as where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights (see below).

Deletion request rights

You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  • Complete the transaction for which we collected the personal information, provide a service that you requested, or take actions reasonably anticipated within the context of our ongoing business relationship with you.

  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

  • Debug products to identify and repair errors that impair existing intended functionality.

  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.

  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).

  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.

  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.

  • Comply with a legal obligation.

  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

In addition, we will not honor your request if we cannot verify your identity, or if another exception applies such as where the personal information that we maintain about you is not subject to the CCPA’s access or deletion rights (see below).

Exercising access, data portability, and deletion rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Process used to verify consumer request

Only you or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative.

  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response timing and format

We will confirm receipt of your request within 10-days. We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain the reasons we cannot comply with a request, if applicable.

Non-discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.

  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.

  • Provide you a different level or quality of goods or services.

  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to our privacy notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

General exceptions

Privacy and data protection laws, other than the CCPA, apply to most of the Personal Information we collect, use, and disclose. When these laws apply, Personal Information may be exempt from requests to access or delete Personal Information under the CCPA. For example, Personal Information does not include information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. That information is excluded from the CCPA's scope, and is regulated by the Gramm-Leach-Bliley Act (GLBA). For more information about how we collect, disclose, and secure information relating to these services, please refer to our Privacy Policy.

Contact information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

This page current as of May 30, 2020.

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