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Políticas y accesibilidad

Online Privacy Policy

Online Privacy Policy

SCE Federal Credit Union (“SCE FCU”) understands the importance of protecting the privacy of website users. Our goal is to maintain the user’s trust and confidence when handling their personal information. We are committed to maintaining the confidentiality of the user’s personal information consistent with state and federal laws. This Online Privacy Policy (“Policy”) describes how SCE FCU collects, uses, shares, and protects information when a user visits or uses (“the Website”). By using the Website, the user consents to the terms and conditions of this Policy, including their consent to our use and disclosure of information about the user in the manner described in this Policy. The term “us,” “we” or “our” in this Policy refers to SCE Federal Credit Union.

How Information is Collected

“Cookies” are pieces of information that are stored directly on the user’s computer, smartphone, or other internet access device. Browser cookies are assigned by a web server to the browser on the user’s device. When the user returns to a website they have visited before, the user’s browser gives this data back to the server. When the user visits the Website, we may use cookies and information gathered through their use to personalize their experience with us based on the products, services, and other interactions they have had with us. Information gathered through the use of cookies may be used to make offers to the user via online ads, email, U.S. mail, or telephone, subject to the privacy preferences the user has on file with SCE FCU. Cookies we use do not contain or capture unencrypted personal information.

The browsers of most computers, smartphones and other internet access devices are set up to accept cookies. The user can refuse to accept these cookies through their browser settings. The user will need to manage their cookie settings for each device and browser they use. If the user chooses to reject cookies, they may not be able to use the full functionality of the Website. For example, if we are not able to recognize the user’s device, the user will need to answer a challenge question each time they log on to Digital Banking. The user also may not receive customized advertising or other offers from us that may be relevant to the user’s interests and needs.

Response to “Do Not Track” Signals

“Do Not Track” (“DNT”) refers to an HTTP header used by Internet web browsers to request a web application disable its tracking or cross-site user tracking. When DNT is enabled, a user’s web browser adds a header to content requests indicating the user does not want to be tracked. Applicable law requires us to disclose how we respond to web browser DNT signals. We do not respond to or take any action with respect to a DNT configuration set in the user’s internet browser, and therefore, there is no reason to disable tracking related to SCE FCU’s online presence.

Collection of Personal Information

When the user interacts with us via our Website, we will not obtain personal information about the user unless they choose to provide such information. Personal information we may collect about the user through online interaction includes information that the user provides, such as their name, mailing address, email address and other contact information; data resulting from their activity, such as transaction information; and limited location information (for example, a Zip code to help you find a nearby ATM). We may also collect payment card information, social security numbers, and driver’s license numbers when the user provides such information while using our Website.

We will retain the user’s personal information for as long as the user’s account is active or as needed to provide services. We will retain and use the user’s information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Collection of Other Information

In addition to the personal information described above, we also collect anonymous demographic information, which is not unique to the user, such as their Zip code, region, preferences, interests, and favorites. We may also automatically collect information about the user’s computer hardware, such as the IP address of the device used to connect to the Website, the type of operating system and browser used, search engine used, access times, referring website addresses, the parts of our Website accessed, and the site visited next.

Third-Party Widgets

We may allow certain widgets (e.g., social share buttons) on our Website allowing users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about the user’s browsing on pages of our Website where these widgets are placed.

How Information is Used

In addition to the uses described above, we use the information for purposes as allowed by law, such as:

  • To process applications and transactions;
  • To service the user’s accounts with us;
  • To send the user important information regarding the Website, changes to terms, conditions and/or policies;
  • To track Website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Website;
  • To verify the user’s identity (such as when the user accesses their account information);
  • To respond to the user’s requests and to communicate with them;
  • To send the user marketing communications;
  • To allow the user to participate in surveys, sweepstakes, contests, and similar promotions;
  • For our business purposes, including data analysis, developing, and improving our products and services, and enhancing our Website; and
  • To prevent fraud and enhance the security of our Website.
How Information is Shared with Third Parties

If the user is an SCE FCU member, we will use and share any information we collect from or about the user in accordance with our Privacy Policy.

SCE FCU may share the information we collect from and about the user with service providers with whom we work, such as data processors and companies that help us market products and services to users. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. Where appropriate, we will limit sharing of member information in accordance with our Privacy Policy.

We do not partner with third parties for the purposes of engaging in online behavioral tracking, nor do we permit third parties to collect from the SCE FCU Website personally identifiable information about the user’s online activities.

Children’s Online Information Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect, maintain, or use personally identifiable information from our Website about children under the age of 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.


To protect members’ personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures include Multifactor Authentication (MFA), which requires the presentation of a user identification number, answering a security question, and a password to access Digital Banking. We also limit access to members’ personal information internally to those who need it to do their jobs.

Linking to Other Websites

The SCE FCU Website may contain links to third-party websites. Although these links were established to provide the user with access to useful information, SCE FCU does not control and is not responsible for any of these websites or their contents.

Website Accessibility

Website Accessibility

We want everyone who visits the SCE FCU website to feel welcome and find the experience rewarding.

ADA Compliance

To help us make our website a positive place for everyone, we’ve been using the Web Content Accessibility Guidelines (WCAG) 2.0. These guidelines explain how to make web content more accessible for people with disabilities, and user friendly for everyone.

We’ve worked hard and believe we’ve achieved our goal of accessibility. We monitor the website regularly to maintain this, but if you do find any problems, please call us at 800.866.6474.

Use of Third-Party Sites & Components

Use of Third-Party Sites & Components

When third-party components or websites are used on this website, such as Facebook, Instagram, YouTube, Twitter, chats and others, which are not controlled by us, it may present challenges for individuals with disabilities that we are not able to remedy.

External Links & Notices

For your convenience, we may provide image links or text links to other linked websites. Linked websites are not under our control and we are not responsible or liable for the contents of any linked site or any link contained in the linked site. We do not endorse or guarantee and are not responsible or liable for the failure of the products, information, or recommendations provided by linked sites. Linked sites may provide less security and may have a privacy policy different from our own. Please make sure you review the privacy policy of any website you link to before you provide personal information.

Neither SCE Federal Credit Union, nor any of its current or future affiliates (“SCE FCU”), make any warranties or representations in connection with any external information, nor does SCE FCU endorse the use of any external information. SCE FCU does not accept any liability for any loss, damage, injury or expense however caused, arising from the use of or reliance upon any external information.

You use the external information at your own risk, and acknowledge that, while reasonable efforts have been made to correct errors in the external information provided on this Site before they appear, the external information on this site may include certain inaccuracies, errors, or omissions. Be aware that privacy and security policies of vendors may differ from those practiced by SCE FCU. No advice or information obtained by you from SCE FCU in connection with the external information shall create any warranty by SCE FCU. You agree to look solely to the vendor for any compensation or relief in connection with any loss or damage arising from the use or reliance upon external information supplied by vendor.

Furthermore, your correspondence or business dealings with, or participation in promotions of, Vendors found on or through this Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such vendor. SCE FCU disclaims any responsibility or liability for any loss or damage incurred as the result of any such dealings and you agree to look exclusively to the vendor for any compensation or relief in connection with any loss or damage arising from such dealings.

Any material downloaded or otherwise obtained from or made available on this site is done at your own discretion and risk. SCE FCU expressly disclaims any responsibility for damage to your computer system or loss of data that results from the download or any use of any such material and you agree to hold SCE FCU harmless from and such damage.

Trademarks & Copyrights

Trademarks & Copyrights

SCE Federal Credit Union and SCE FCU are registered service marks of SCE Federal Credit Union, a not-for-profit financial institution. Other marks and names contained on this Site are the property of their respective owners. Their respective owners copyright all images. Use of any copyrighted images is not authorized without the consent of the respective copyright holder.

It is our policy to make every effort to respect the copyrights of outside parties. If you believe that your copyright has been misused, please provide us with a detailed message stating your position and we will attempt to correct any misuse. Please direct your correspondence to:

SCE Federal Credit Union
Attn: Legal/Compliance
PO Box 8017
El Monte, CA 91734

Social Media Public Use Policy

Términos de uso

These terms govern SCE Federal Credit Union’s (“SCE FCU”) social media-based websites, accounts, pages and applications (collectively, “sites”). By accessing SCE FCU’s sites, the user agrees to be bound by and comply with these terms, all applicable laws and regulations, and any other applicable policies, terms and guidelines and existing agreements established by SCE FCU and those of any third parties that host its sites (which may include, but are not limited to, Facebook, YouTube, Yelp, Instagram, LinkedIn, Google+, Twitter). If the user does not agree with any of these terms, they should not use or access SCE FCU’s sites. Any unauthorized use of SCE FCU’s sites or misuse of any information posted to a site is strictly prohibited.

Use limitations

SCE FCU welcomes member and non-member participation as a means of sharing experiences, suggesting improvements, and contributing to conversations. SCE FCU has established the following use limitations. SCE FCU reserves the right to review any and all comments at its discretion and to delete comments that are, or include:

Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain will be removed.

Personal attacks
If the user disagrees with the content, SCE FCU would like to hear from them, but ask that the user refrain from personal attacks or being disrespectful to others. Malicious intent and/or participation not in the spirit of civil conversation will be removed.

Posts must not violate laws that govern use of copyrights, trade secrets, etc.

Offensive language
Comments including, but not limited to, profane or provocative language will be removed. Comments that contain threatening, hateful, offensive, derogatory, obscene or sexually explicit language will not be tolerated.

Private or confidential information
Specific account details or other personal information should not be included when posting comments. If the user has immediate service needs, they should call SCE FCU’s Member Care Center at 800.866.6474 or visit one of SCE FCU’s local branches for assistance.

Posts in HTML format (or URLs) will be removed
Only plain text should be used when submitting comments.

Posts from individuals under the age of 13
Cannot be accepted.

Posts containing photos
Will not be accepted, unless specifically requested by an authorized representative of SCE FCU for a contest or other business-related purpose. In these instances, photos will be reviewed and will not be posted if deemed inappropriate.


SCE FCU does not endorse any comments made by its employees, unless they are made in an authorized representative capacity. Statements and opinions expressed in the comments are strictly those of the commenter alone and do not constitute an official position of SCE FCU, unless they are posted by the original author (who is an authorized representative of the credit union) or by a subject matter expert responding on behalf of that authorized representative.


The materials on SCE FCU’s sites are provided “As is”. SCE FCU makes no warranties, express or implied, regarding merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, SCE FCU does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its sites or otherwise relating to such materials or on any sites linked to these sites. The information and content provided on SCE FCU’s sites is intended for informational purposes only. SCE FCU is not responsible for any content posted by users, including posts made by employees or agents who are not authorized administrators of our sites. Content posted by others is not edited by SCE FCU and does not necessarily represent its views or opinions.


In no event shall SCE FCU, its affiliates or suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SCE FCU’s sites, or for loss or damage that results from the visitor’s failure to comply with these terms or other applicable guidelines, or from any technical, human or software errors or failures found within our sites. The user agrees to indemnify, defend and hold harmless SCE FCU, its officers, employees, and agents from any and all liability with respect to any claims from any third parties arising from your use of SCE FCU’s sites or violations of these terms or applicable guidelines.


A user’s use of SCE FCU’s social media-based websites constitutes their consent to SCE FCU’s use of information obtained through the user’s site visits. With respect to content collected through its sites, SCE FCU follows the applicable privacy policies of the third-party hosts of its sites. Please note when visiting any SCE FCU site, users are also subject to the terms and conditions of SCE FCU privacy notices, as well as the terms of service and privacy policies of third-party hosts, when applicable.

Third-Party Links

SCE FCU has not reviewed all of the third-party sites linked from its sites and is not responsible for the contents of any such linked site. The inclusion of any third-party link does not imply endorsement by SCE FCU. Use of any such linked website is at the user’s own risk. Users understand, when going to a third-party website, that site is governed by the third-party’s privacy and terms of use, and the third party is solely responsible for the content and offering presented on its website.

SCE FCU reserves the right to change these Terms at any time at its sole discretion.