Privacy Statement Revised November, 2022
|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:
|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
|For our marketing purposes—
to offer our products and services to you
|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||Yes||Yes|
|To limit our sharing||• Call (559) 582-4438; or
• Visit our website at https://www.kingsfcu.com/about/privacy-and-security-2/Please note: If you are a new member, we can begin sharing your information 45 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
|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
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an acount I hold jointly with someone else?||Your choices will appply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies.
|Nonaffiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|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.
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.
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.
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/.
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.
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
Online and Mobile Banking
Kings Federal Credit Union’s Online and Mobile Banking Application (the “Apps”)– powered by Fiserv and NCR – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
The Apps allow you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- deposit a check
- receive alerts
- manage debit cards
THE TYPES OF INFORMATION WE COLLECT IN THE APPS
Through your use of the Services, we may collect personal information from you in the following ways:
(a) Personal Information You Provide to Us.
- We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
- We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
- We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
- Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
- Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
- Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
HOW WE USE YOUR INFORMATION COLLECTED IN THE APPS
(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the Apps, in the following ways:
- facilitate the creation of, and secure and maintain your account;
- identify you as a legitimate user in our system;
- provide improved administration of the Services;
- provide the Services you request;
- improve the quality of experience when you interact with the Services;
- send you administrative e-mail notifications, such as security or support and maintenance advisories; and
- send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection. We may use your personal information to:
- comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
- protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
- audit our internal processes for compliance with legal and contractual requirements and internal policies;
- enforce the terms and conditions that govern the Service; and
- prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. The Apps may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described below.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The Apps may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
LINKS TO OTHER SITES
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Apps.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we do not, through the Apps, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the Apps and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
Kings Federal Credit Union
1415 W Lacey Blvd
Hanford CA 93230