What does KaiPerm Northwest Credit Union do with your personal information?
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.
The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
- Social Security number and income
- Account balances and transaction history
- Credit history and credit scores
When you are no longer our member, we will not share your information except as permitted or required by law as described in this notice.
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 KaiPerm Northwest Credit Union chooses to share; and whether you can limit this sharing.
|REASONS WE CAN SHARE YOUR PERSONAL INFORMATION||DOES KPCU SHARE?||CAN YOU LIMIT THIS SHARING?|
FOR EVERYDAY BUSINESS PURPOSES
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
|FOR OUR MARKETING PURPOSES|
to offer our products and services to you
|FOR JOINT MARKETING WITH OTHER FINANCIAL COMPANIES||YES||NO|
FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES
information about your creditworthiness
|NO||WE DO NOT SHARE|
|FOR NON-AFFILIATES TO MARKET TO YOU||NO||WE DO NOT SHARE|
WHAT WE DO
HOW DOES KPCU 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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
HOW DOES KPCU COLLECT MY PERSONAL INFORMATION?
We collect your personal information, for example, when you:
- Open an account or apply for a loan
- Apply for any credit union service
- You visit our website, provide us information on any online application or transaction, or information you send to us by mail
- Use your credit or debit card or pay your bills
- Make deposits to or withdrawals from your accounts
We also collect your personal information from others, including credit bureaus or other companies.
WHY CAN’T I LIMIT ALL SHARING?
Federal law only gives you the right to limit information sharing as follows:
- 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
However, we do not have any affiliates with whom we share any information. State laws and individual companies may give you additional rights to limit sharing.
KPCU does not knowingly collect, maintain or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.
AFFILIATES Companies related by common ownership or control. They can be financial and nonfinancial companies.
- KaiPerm Northwest Credit Union has no affiliates.
NON-AFFILIATES Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- KaiPerm Northwest Credit Union does not share with nonaffiliates so they can market to you, except under our joint marketing arrangements.
JOINT MARKETING A formal agreement between KaiPerm Northwest Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.
- Our joint marketing partners include financial service providers, investment service providers, and insurance companies.