Online Privacy Policy Statement
Our Privacy Notice is an important part of our commitment to provide you with the best financial and client service possible. We believe it is essential to clarify how KEMBA uses collected information, the benefits of such use and the way information is protected against unauthorized access and use. Your concern about the security of information relating to you and your accounts is understandable and we want to assure you that we are continuously taking steps to safeguard your personal information. It is also essential that you know that we do not sell member lists or individual member information to any third parties.
Each member relationship at KEMBA is built on trust. We have implemented policies, procedures and controls to help safeguard and prevent unauthorized disclosure of non-public personal information, as well as detect any such unauthorized disclosures. KEMBA employees are trained to handle member matters and maintain confidence in a manner consistent with applicable laws and this notice. In addition, only employees actively engaged in the discharge of assigned duties involving member information are authorized to access that information.
KEMBA Financial Credit Union has taken reasonable measures to ensure that the information and data presented on this website is accurate, appropriate, and up to date. While every effort is made to maintain the accuracy and utility of this information, KEMBA makes no express or implied warranty regarding such information or data, and hereby disclaims all legal liability and responsibility to persons or entities that use or access this site and its content, based on their reliance on any information or data obtained through this website.
Information on this website is not intended to constitute and should not be considered as legal or financial advice, nor is it intended to substitute for obtaining legal or financial advice from competent, appropriate, and independent legal counsel or financial advisor. This website content is not designed or intended to provide authoritative financial, accounting, investment or other professional financial advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be retained.
Information We Collect
Personal Information
When you visit or use our Digital Banking, we may collect personal information from or about you including your name, email address, mailing address, telephone number(s), account numbers, limited location information, username and password. We may also collect payment card information, tax identification numbers, driver’s license numbers (or comparable) when you provide such information while using our website and where we believe it is reasonably required for ordinary business purposes.
Usage and Other Information
In addition to the personal information described above, we may collect certain information about your use of our Digital Banking. For example, we may capture the IP address of the device you use to connect to digital banking, the type of operating system and browser you use, and information about the site you came from, the parts of our Digital Banking you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our website.
Use of Information
We use the information discussed above in the following ways:
- Processing applications and transactions;
- Verifying your identity (such as when you access your account information);
- Preventing fraud and enhancing the security of your account or our online services;
- Responding to your requests and communicating with you;
- Managing your preferences;
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
- Providing you tailored content and marketing messages; operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
- For any other purposes that we may specifically disclose at the time you provide or we collect your information.
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual members) for various business purposes, where permissible under applicable laws and regulations.
Links to Other Websites
The KEMBA website (kemba.org) provides links to other websites for convenience and informational purposes only. Users should be aware that when you select a link on the KEMBA website to an external website, you are leaving the KEMBA site. You will see a disclosure on our site that alerts you when you are leaving our website. Linked sites are not under the control of KEMBA, and KEMBA is not responsible for the contents of any linked site or any link contained in a linked site, or changes or updates to such sites. Inclusion of such links in the KEMBA website does not imply endorsement by KEMBA of the site, its content, advertisers or sponsors. For your protection, we recommend that you review the separate privacy notices provided on these linked websites. External sites may contain copyrighted materials with restrictions on use and reuse, whereby permission for use or reuse must be obtained from the original source, not from KEMBA.
KEMBA’s Digital Banking & Mobile Website
For your convenience, KEMBA Financial Credit Union offers you the ability to access products and services through our Digitial Banking application and mobile-optimized website. When you interact with us through digital banking and our mobile-optimized website, we may collect information such as unique device identifiers for your mobile device, access to your device’s camera, usage of your pre-established biometric authentication on your device, screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information (such as precise geo-location information) through KEMBA’s mobile-optimized website.
Use of “Cookies” on the Website (kemba.org) to Collect Data
KEMBA financial Credit Union is strongly committed to protecting and maintaining the privacy of your non-public, personal information. Our information gathering and dissemination practices for this site are described as follows. KEMBA automatically collects and stores the following information when you visit our website:
- Date and time your request was received
- Your Internet Protocol (IP) address, or the address of your Internet Service Provider (ISP)
- Specific resource on the KEMBA website that was accessed as a result of the request or application
- Content of any sent or received cookie *
(* Some parts of the KEMBA website may use a “cookie,” which is a file placed on your computer hard drive that allows the KEMBA server to log the pages you use in the KEMBA website to determine if you have visited the site before. It also stores your preferences and other information on your computer to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. No personal identifying information is captured by the cookie. This information is used by the KEMBA server to provide certain website features during your visit. You can set your browser to warn you when placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not function properly.)
Other than collecting information as described above, this site collects no personally identifiable information. When you knowingly and voluntarily provide personal, non-public information, such as when you complete data fields on a loan application, you have chosen to make an exception to the automatic data collection as described.
Information We Share
We may share public and non-public personal information concerning your transactions and experience within KEMBA and related organizations.
Non-public personal information may be shared with service providers who assist us in servicing your accounts and preparing and/or delivering financial services and products to you on our behalf. Examples of such third-party service providers include check printers, data processors, deposit or loan account service providers, check verification services, and credit reporting agencies.
Information we collect, as described above, may also be shared with companies that perform marketing services on our behalf or with other financial institutions with which we have joint marketing agreements. This allows us to offer a variety of financial products and services we endorse and believe you may find beneficial. These companies we do business with agree to keep such information confidential and are prohibited from disclosing such information to anyone for any other purpose. We do not, and will not, share your information with non-financial companies for the purpose of allowing them to market their products and services to you.
KEMBA does not disclose any non-public personal information about you to any other third parties except as permitted or required by law. We do not share medical or health insurance information, nor will we disclose medical information to unaffiliated third parties unless you have instructed us to do so in writing.
Information about KEMBA member accounts may be reported to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. See our Privacy Notice for a summary of what KEMBA does with your personal information.
Notice Regarding Children’s Information
We respect the privacy of children and comply with the practices under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children.
Email Communications
When you choose to identify yourself to KEMBA and provide an email address as an accepted communication channel, you are consenting to KEMBA using the information you provide, including personally identifying information, in accordance with this notice, unless you expressly state in the email your objection to any use(s). This may include the transmission of service communications such as welcome letters, billing reminders, technical service information and security announcements. Since general email is not secure and may be intercepted or viewed by others, you should refrain from sending confidential or private information via email.
Accessing and Correcting Your Information
You can review and change your personal information by logging into Digital Banking and visiting your account profile page. You may also send us a message through our Contact Us page on the Website or through the secure message after logging into Digital Banking to request access to, correct or delete any Personal Information that you have provided to us. We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Information Security Standards
KEMBA Financial Credit Union continually updates and improves our security standards and procedures to prevent fraud and help protect against anyone gaining unauthorized access to your confidential information. We maintain physical, electronic and procedural safeguards that comply with federal standards. Our associates have an appropriate level of access to your personal information in order to perform their jobs and provide you with the best financial products and services possible. We work with law enforcement officials to pursue any individuals who either fraudulently access or attempt to access or use information. We are continually looking for new technology to further enhance the security of this information through appropriate checks and balances built into procedures.