Privacy policy
Updated 11/16
What Does KBR Heritage 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 balances
- Income and payment history
- Transaction history and transaction or loss history
How?
All financial companies need to share members’ personal information to run their everyday business.
Below, we list the reasons financial companies can share their members’ personal information, the reasons
KBR Heritage Federal Credit Union chooses to share, and whether you can limit this sharing.
| Reasons We Can Share Your Personal Information | Does KBR Heritage Federal Credit Union Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes – such as to process transactions, maintain your account(s), respond to court orders, 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 our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
To Limit Our Sharing
Call (713) 753-3022 - our menu will prompt you through your choices or visit us online: www.kbrhfcu.org
If you are a new member, we can begin sharing your information 30 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.
What We Do
How does KBR Heritage 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.
How does KBR Heritage 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 use your credit or debit card
- Apply for financing
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. KBR Heritage Federal Credit Union has no affiliates.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. KBR Heritage Federal Credit Union does not share with nonaffiliates for marketing purposes.
Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include advertising/marketing agencies and insurance companies.