Privacy Notice

What Does Kemba Delta Federal 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 product or service you have with us. This information can include:

• Social security number and credit history
• Credit scores and employment information
• 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.

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 Kemba Delta Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

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.

• Does Kemba Delta Federal Credit Union share? Yes
• Can you limit this sharing? No

For our marketing purposes – to offer our products and services to you.

• Does Kemba Delta Federal Credit Union share? Yes
• Can you limit this sharing? No

For joint marketing with other financial companies.

• Does Kemba Delta Federal Credit Union share? Yes
• Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your transactions and experiences.

• Does Kemba Delta Federal Credit Union share? No
• Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness.

• Does Kemba Delta Federal Credit Union share? No
• Can you limit this sharing? We don’t share

For our affiliates to market to you.

• Does Kemba Delta Federal Credit Union share? No
• Can you limit this sharing? We don’t share

How Does Kemba Delta 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, secured files and buildings.

How Does Kemba Delta 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
• Provide employment information or give us your contact information
• Show your driver's license

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.

• Kemba Delta Federal Credit Union has no affiliates.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Kemba Delta Federal Credit Union does not share with non-affiliates so that they can market to you

Joint Marketing - A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include credit card companies, loan recapture programs, financial advisors, and Insurance companies.

Questions?

Call 901-795-9055 or toll-free 1-888-725-3622