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Kelly Community Federal Credit Union Privacy

Privacy

Kelly Community Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a financial services representative at (903) 597-7291. 

WHAT DOES KELLY COMMUNITY FEDERAL CREDIT UNION 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.

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

-       checking account information and overdraft history

-       payment history and transaction or loss 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 Kelly Community Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Kelly Community Federal Credit Union 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

What we do:

How does Kelly Community Federal Credit Union 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 Kelly Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

- open an account or show your government-issued ID

- apply for financing or provide account information

- make deposits or withdrawals from your account

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.- Kelly Community Federal Credit Union has no affiliates.

 Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Kelly Community Federal Credit Union 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 CUNA Mutual Group's MEMBERCONNECT, credit card companies, and loan recapture programs.

 

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