Privacy and Security

Privacy Statement                                                                                                                                   Revised 6/11

FACTS WHAT DOES KINGS 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 product or service you have with us. This information can include:

  • Social Security number and Account Balance(s)
  • Payment History and Credit History
  • Transaction History and Loss History

When you are no longer a member, we continue to share your information 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 Kings FCU chooses to share; and whether you can limit this sharing
Reasons we can share your personal information Does Kings FCU 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 Yes
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No We Don’t Share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We Don’t Share
For affiliates to market to you No We Don’t Share
For non–affiliates to market to you No We Don’t Share
Questions? Call 559-582-4438 or go to www.kingsfcu.com
Who we are
Who is providing this notice? Kings Federal Credit Union (Kings FCU)
What we do
How does Kings FCU protect my personal information? To protect information 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. We also maintain physical, electronic and procedural standards.
How does Kings FCU collect my personal information? We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Use your debit or credit card
  • Make deposits or withdrawals from your account

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

  • 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.  See below for more on your rights under state law.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Kings Federal Credit Union has no affiliates.
Nonaffiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include insurance companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.
Other Important Information
If you are a California resident, California state law gives you additional rights to limit information sharing even if such sharing is otherwise permitted under federal law.  With respect to California residents, Kings Federal Credit Union allows you to limit our sharing your personal information under a joint marketing agreement with joint marketing partners.

If you are a California resident, we have a form entitled “Important Privacy Choices for Consumers” which includes details on how you can limit our information sharing under California law.  Please contact us for a copy.

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.

Information Collection

Visitors to our site remain anonymous, unless they register for a service or otherwise elect to disclose
their identity to us. Although we do not collect personally identifiable information (“personal
information”) about persons who simply visit our site, we may collect certain limited information about
visitors, such as their IP address.

We collect the following types of nonpublic personal information through our website:

  • Information received from membership applications, loan applications and other forms submitted
    on this site such as your name, address, social security number, assets, and income;
  • Information about transactions completed using online and mobile; and
  • Information we received from consumer reporting agencies, such as credit score and credit
    history.

We provide online tools and calculators on the site to assist visitors in making financial decisions. We
do not capture the personal information you provide when using these tools however, you may opt in to
give us personal contact information, which we will then use to offer you accounts and services tailored
to meet your financial needs.

Use of Information

We may use personal information you provide to us to offer you accounts and services tailored to meet
your financial needs. The information you provide to us through online surveys and promotions will be
used for internal marketing purposes, as well as for the development of new services. This information
will remain confidential.

To protect our members’ privacy, we only work with companies that agree to maintain strong
confidentiality protections and limit the use of information we provide. We do not permit these
companies to share the member information we provide with other third parties.

Children’s Privacy

Our Site is not intended for children under the age of 13. Please do not access or use this site if you
are under 13 years of age. By using this site, you affirm that you are over the age of 13. For more
information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website:
http://www.ftc.gov/.

Cookies, JavaScript and Pop-up Blockers

Our website uses cookies, JavaScript and pop-up windows. The site may not function properly unless
visitors enable cookies, JavaScript, and pop-up windows.

Our website places cookies on your web browser. They are simple pieces of text that help our website
identity your computer. We may use cookies to gather information. Any information gathered in this way will be used to tailor your experience on our site and to provide content that we think might interest you.

Our sites do not process or respond to “do not track” signals or other similar web browser mechanisms
which enable users to indicate an opt-out preference regarding the collection of personally identifiable
information. By using our Sites, you acknowledge and agree that anonymous information may be
collected.

IP Addresses and Geolocation

We also use IP addresses and geolocation (latitude and longitude) to analyze trends, administer the
site, track visitors’ movements within the site, gather broad demographic information for aggregate use
and to improve security and fraud monitoring. IP addresses may be linked to personal information.

Links

This site may contain links to other websites. Kings Federal Credit Union is not responsible for
the privacy practices or content of these sites. However, we do make every effort to ensure that our
partners’ privacy policies are in line with our own. These sites are not authorized by Kings Federal Credit Union to collect information about you. They may independently collect information about you and/or use cookies during your use of their website