Privacy Notice

See the KEMBA Credit Union privacy notice here.  We promise to keep your personal information safe, secure and only use it for business related to KEMBA.

WHAT DOES KEMBA 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
  • Credit history and mortgage rates and payments
  • Payment history and transaction or loss history

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 KEMBA Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does KEMBA 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 Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share

To limit our sharing:

  • Call (317) 351-5235 and speak with a KEMBA representative
  • Mail this privacy notice to our Shortridge Road office to the Attention of Marketing Manager

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Feel free to call us at (317) 351-5235 or 800-366-0013

How does KEMBA 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 KEMBA 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 apply for financing
  • Give us your wage statements

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with a Kemba Financial Services LLC name.

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

  • KEMBA 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 Trustage Insurance and other loan recapture programs.