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OUR COMMITMENT TO YOU:
First Kingsport Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.
If you visit our website, First Kingsport Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.
If you send an e-mail, First Kingsport Credit Union collects and stores personally-identifying information in order to process your e-mail, form, or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.
If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member-only section of our website. This information enables First Kingsport Credit Union to regulate entry to the member-only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.
If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort, however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.
FIRST KINGSPORT CREDIT UNION'S PRIVACY POLICY
At First Kingsport Credit Union, your privacy is top priority to us. We will take all efforts to maintain the confidentiality of your information and business with us. This notice describes how we will protect the privacy of your personal information. Throughout the notice, the word "information" refers to personal information about you that may not be available through public access and is deemed confidential.
We collect information about you to satisfy IRS rules and to offer financial services to you. We get information from the following sources:
*Applications and other forms that you submit to us with information such as your name, social security number, and address.
*Information about your transactions with us such as account balances, payment histories, credit card usage, etc.
*Credit worthiness and credit histories.
We may disclose all of the information that we collect if we deem it necessary to conduct business with you for your benefit.
Parties to whom we may disclose the information include, but are not limited to:
*Financial service providers - These may include check printers, credit card processors, credit bureaus, insurance service providers approved by the Board of Directors, mortgage securities, ATM card programs, or any type of service vendor that is contracted by the credit union to provide a service that you apply or sign up for. These include our on-line data processor EDS, and other vendors such as CUNA Mutual, Equifax Visa Processor, ATM and Visa Debit Card processors, etc.
*IRS - we provide information as required by law to the Internal Revenue Service.
*Records that are subpoenaed by or for a court case.
*Examiners or other audit firms as required to completely audit the records of the credit union as required by law.
We may disclose all the information that we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. We may also disclose information about you under other circumstances as permitted or required by law.
HOW WE WILL PROTECT YOUR INFORMATION:
We will restrict access to your information about you and concerning you and your interest to those employees who need to know the information to provide products or services to you. We will maintain physical, electronic, and procedural safeguards that comply with Federal Regulations to guard your information and to maintain the confidentially of our records.
We will abide by the rules of the Fair Credit Reporting Act.
HOW TO OPT-OUT:
If you decide to terminate your membership with us or become an inactive member, we will not share information we have collected about you as described above, except as may be permitted or required by law.
You will have the option to opt-out of any shared information process by notifying the credit union in writing in regard to the vendor or vendors you wish to opt-out. Should the information be necessary to offer a service or product, our ability to offer the service or product may not be available to you when you opt-out. We are unable to allow you to opt-out of services that are required by law. |
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