Privacy Policy Disclosure

What Does KEMBA ROANOKE 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 or services You have with Us. This information can include:

  • Social Security number and income

  • account balances and payment history

  • credit history and credit scores

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers’ personal information; the reasons KEMBA Roanoke 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 report to credit bureaus. Does the Credit Union Share? YES Can You limit the sharing? NO

For Our marketing purposes — to offer Our products and services to. Does the Credit Union Share? YES Can You limit the sharing? NO

For joint marketing with other financial companies — Does the Credit Union Share? YES Can You limit the sharing? YES

For Our affiliates’ everyday business purposes — information about Your transactions and experiences. Does the Credit Union Share? YES Can You limit the sharing? NO

For Our affiliates’ everyday business purposes — information about Your creditworthiness. Does the Credit Union Share? NO Can You limit the sharing? N/A

For Our affiliates to market to You — Does the Credit Union Share? YES Can You limit the sharing? YES

For non-affiliates to market to You — Does the Credit Union Share? YES Can You limit the sharing? YES

To Limit Our Sharing

Call (800)375-3622.

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? Call (800) 735-3622 or visit www.kembfcu.org.

What We Do

How does KEMBA Roanoke 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 KEMBA Roanoke Federal Credit Union collect my personal information?

We collect Your personal information, for example, when You

  • Open an account or deposit money

  • Pay Your bills or apply for a loan

  • Use Your credit or debit card

We also collect Your personal information from others, including credit bureaus, affiliates, or others.

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 non-affiliates to market to You

State laws 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 non-financial companies.

Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.

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