Privacy Policy

What does KBR Heritage Federal Credit Union do with your personal information?

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

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

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 KBR Heritage Federal Credit Union chooses to share; and
whether you can 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 to 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

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 our affiliates to market to you

No

We don't share

For non-affiliates to market to you

No

We don't share

• Call (713) 753-3022 - our menu will prompt you through your choice(s) or
• Visit us online: www.kbrhfcu.org

Please note:
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.

However, you can contact us at any time to limit our sharing.

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.

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

State law and individual companies may give you additional rights to limit sharing.

What happens when I limit
sharing for an account I hold
jointly with someone else?

Your choices will apply to everyone on your account.

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 our 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 partners include advertising/marketing agencies and
  insurance companies