Privacy Policy
FEDERAL LAW | |
FACTS | WHAT DOES KAIPERM 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 accounts, products or services you have with us. This information can include:
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. |
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 Kaiperm Federal Credit Union chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Kaiperm Federal Credit Union share? | Can you limit this sharing? |
For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, respond to court orders and legal investigations, or 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 do not share |
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 |
Questions? | Call us at 925-939-5626 or email us at info@kaipermcu.org |
Who We Are | |
Who is providing this notice? | Kaiperm Federal Credit Union. |
What We Do | |
How does Kaiperm 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, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology. |
How does Kaiperm Federal Credit Union collect my personal information? | We collect your personal information, for example, when you
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:
State laws 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.
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Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include:
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Other Important Information |
California law provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. To exercise your right, refer to the separate notice titled, “Important Privacy Choices for Consumers” which is provided to you by Kaiperm Federal Credit Union. |
CALIFORNIA LAW | |
What is personal information? | Personal Information. Under the CCPA your “Personal Information” includes the following data that identifies, relates to or may be associated with you:
Personal information also includes information that is identifiable to your household. |
Kaiperm Federal Credit Union Collection of Member Personal Information | |
Categories of Member Personal Information We Collect | Your personal information that we collect may include:
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Where We Collect Member Personal Information | We collect the categories of personal information listed above when you: visit our website or submit an online application, conduct any branch, mail or online transaction, use the Personal Finance Manager program or send us an e-mail, or phone inquiry. |
Kaiperm Federal Credit Union Use and Sharing of Member Personal Information | |
How We May Use Member Personal Information | We may use each category of personal information we collect for the following purposes:
We have never sold, and we will not sell any of your personal information to anyone. |
How We May Share Member Personal Information | We may share your personal identifiable information with 1) our third-party service providers and payment processor to facilitate your services or transactions, or 2) other financial companies with whom we have a joint |
Your Rights to Protect Your Personal Information | |
Right to Request Access to Your Personal Information | You have a right to access your personal information that we have collected. Upon your request by mail, email or in person to the Credit Union, we will disclose any of the following information requested:
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Your Rights to Protect Your Personal Information (continued) | |
Right to Request Your Personal Information Be Deleted | You have the right to request that we delete personal information about you that we have collected. Upon your verifiable request by mail, email or in person to the Credit Union, we will delete the information and direct our service providers to delete the information from its records unless we or service provider needs the personal information. The following are the exceptions where the Credit Union and our service providers need the personal information to maintain and service your account and cannot delete the information:
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Right to Opt Out of the Sale of Your Personal Information | The Credit Union does not sell any member personal information to any third party. |
Right to Equal Services and Pricing | You have the right to receive equal service and pricing from us even if you choose to exercise any of your privacy rights. We will not discriminate against you for exercising any of the consumer’s rights, including:
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How to Submit Requests to the Credit Union or Contact Us for More Information | You may submit your requests to the Credit Union as follows: In person: at any Kaiperm Federal Credit Union branch Mail: Kaiperm Federal Credit Union, PO Box 4156, Walnut Creek, CA 94596 Email: info@kaipermcu.org You may designate an authorized agent to submit requests on your behalf by providing us with your written authorization of the agent and nature of your request. We will verify your request by using our current authentication practices including matching the identity information you provide with your request with your personal information we maintain on file. |
Additional Online Privacy Protections |
Use of Cookies. |
California Do Not Track Disclosures. |
Our Privacy Policy is posted on our website: kaipermcu.org. You can reach us by calling 925-939-5626.
Privacy Policy Changes. |
