Privacy Policy

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
  • open an account or deposit money
  • pay your bills or use your credit or debit card
  • apply for financing
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

  • sharing for affiliates’ everyday business purposes – information about your
    creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

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.
  • Gulf Coast Community FCU has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Gulf Coast Community FCU does not share with our nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include card processors and insurance companies.

 MOBILE APP PRIVACY

Gulf Coast Community Federal Credit Union Mobile App (Android and iOS) Geolocation Information.
 
Our online and mobile banking app periodically collects, transmits, and uses 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 app is being used, or not at all. You can change your location permissions at any time in your device settings.
 
Gulf Coast Community Federal Credit Union’s mobile app collects:
  • 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.