FACTS

WHAT DOES KASKASKIA VALLEY COMMUNITY 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:

n  Social Security Number    and  Direct Debit Instructions         and  Overdraft History

n  Credit History                        and  Employment Information

n  Payment History               and  Wire Transfer Instructions

When you are no longer our member, we continue to share your information as described in this notice.

 How?

All companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Kaskaskia Valley Community Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

Does 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 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 our affiliates to market to you 

Yes

Yes

 For nonaffiliates to market to you

No

We do not Share

Who we are

Who is providing this notice?

Kaskaskia Valley Community Credit Union

What we do

How does Kaskaskia Valley Community 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 Kaskaskia Valley Community Credit Union collect my personal information?

We collect your personal information, for example, when you:

n   open an account              or  apply for a loan

n   apply for insurance             or  apply for financing

n       enter into investment advisory contract

 We also collect your personal information from other companies

Why can’t I limit all sharing?

Federal law gives you the right to limit only: 

n      sharing for affiliates’ everyday business purposes—information about your creditworthiness

n       affiliates from using your information to market to you

n       sharing for nonaffiliates to market to you

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. 

n       Kaskaskia Valley Community Credit Union is affiliated with insurance companies.

Nonaffiliates

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

n       Kaskaskia Valley Community Credit Union does not jointly market

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

n       Kaskaskia Valley Community Credit Union does not jointly market

 Questions? 

Call  618-533-6681