Your Privacy Matters at Santander Credit Union

1. Information We Collect

We collect various types of information to provide and improve our services, including:

• **Personal Information:** This includes your name, address, email address, phone number, date of birth, government-issued identification, and other information you provide when you register for an account, apply for a loan, or use our services.
• **Financial Information:** This includes your account balances, transaction history, credit history, income, and other financial data necessary to provide our banking services.
• **Technical Information:** This includes your IP address, browser type, operating system, device information, and browsing behavior on our website. We may use cookies and similar tracking technologies to collect this information.
• **Communications:** Records of your communications with us, including emails, chat logs, and phone call recordings (with your consent where required).

2. How We Use Your Information

We use your information for various purposes, including:

• To provide and maintain our banking services, process transactions, and manage your accounts.
• To verify your identity and comply with legal and regulatory obligations, such as anti-money laundering and fraud prevention.
• To assess your eligibility for loans and other financial products.
• To personalize your experience on our website and offer tailored products and services.
• To communicate with you about your accounts, important updates, and promotional offers (with your consent where required).
• To improve our website, services, and customer support.
• For security purposes and to protect against fraud and unauthorized access.
• For data analysis and research to better understand our customers' needs.

3. Sharing Your Information

We may share your information with:

• **Affiliated Companies:** For business operations, customer service, and to offer you other products and services.
• **Service Providers:** Third-party companies that provide services on our behalf, such as payment processing, data analysis, email marketing, and customer support. These providers are contractually obligated to protect your information.
• **Regulatory Authorities and Law Enforcement:** When required by law or to comply with legal processes, protect our rights, or investigate fraud or illegal activities.
• **Credit Bureaus:** To assess your creditworthiness when you apply for loans or other credit products.
• **Business Partners:** With your consent, we may share information with trusted business partners to offer you relevant products or services.
• **In case of a Business Transfer:** If our bank is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Security

We implement robust security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data during transmission and at rest.
• Firewalls and intrusion detection systems.
• Regular security audits and vulnerability assessments.
• Access controls and authentication protocols.
• Employee training on data privacy and security practices.

5. Your Rights Regarding Your Information

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information (subject to legal obligations).
• Object to the processing of your personal information for certain purposes.
• Withdraw your consent to the processing of your personal information (where consent is the legal basis for processing).
• Request the transfer of your personal information to another organization (data portability).
• Lodge a complaint with a data protection authority.

To exercise these rights, please contact us using the information provided in the "Contact Us" section of our website.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can manage your cookie preferences through your browser settings. Please refer to our Cookie Policy for more detailed information.

7. Links to Other Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on our website and update the "Last Updated" date at the bottom of this policy. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us through our Contact Us page or via email at privacy@santander credit union.com.