Privacy Policy

KV Federal Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. These practices are followed by the credit union.

  
  FACTS
    WHAT DOES KV FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
  

  Why?
    Financial companies choose how they share your information. Federal law gives members
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 products or services you
have with us. This information can include:
      Social Security number and income
Account balances and payment history
Credit history and credit score


  

  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 KV Federal Credit Union chooses to share; and
whether you can limit this sharing.
  

FACTS	WHAT DOES KV FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your information. Federal law gives members 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 products or services you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit score
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 KV Federal Credit Union chooses to share; and whether you can limit this sharing.

  
  Reasons we can share your personal information
    Does KV 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 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 don't share
  

  For our affiliates’ everyday business purposes—

information about your creditworthiness
    No
    We don't share
  

  For nonaffiliates to market to you
    No
    We don't share
  

Reasons we can share your personal information	Does KV 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 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 don't share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call: 207-623-5171

  
  Who we are
  
  Who is providing this notice?
    KV Federal Credit Union
  
  What we do
  
  How does KV 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.

We restrict access to nonpublic personal information about
you to persons who need to know that personal information to
provide products or services to you. 
  
  How does KV 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 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 nonaffiliates to market to you

Who we are
Who is providing this notice?	KV Federal Credit Union
What we do
How does KV 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. We restrict access to nonpublic personal information about you to persons who need to know that personal information to provide products or services to you.
How does KV 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 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 nonaffiliates to market to you

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

      KV Federal Credit Union has no affiliates.
  
  Nonaffiliates
    Companies not related by common ownership or control.
They can be financial and nonfinancial companies.

KV Federal Credit Union does not share with nonaffiliates so they
can market to you.
  
  Joint marketing
    A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.

Our joint marketing includes the following types of companies:
      Credit card Companies
Insurers

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. KV Federal Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. KV Federal Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing includes the following types of companies: Credit card Companies Insurers

If after reading this notice you have questions, please contact us at: (207) 623- 5171

or write to:

Member Support
KV Federal Credit Union
316 West River Rd
Augusta, Maine 04338