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Serving employees of the Kroger Delta Division


Notice of Your Financial Privacy Rights

We, our and us, when used in this notice, mean KEMBA Delta Federal Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the types of members:

All of our consumer members who have a continuing relationship with us, such as:

  • Deposit account
  • Loan account
  • Credit card

We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information. We first define some terms:

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information that we collect: we collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms.
  • Information about your transactions with us.
  • Information about your transactions with our affiliates.
  • Information about your transactions with nonaffiliated third parties.
  • Information from a consumer reporting agency.

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.


Nonpublic Personal Information & Affiliates

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

  • Transaction and experience information from our account records:
  • Information about your transactions and experience with us, such as: Name & Address.

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates
We may disclose nonpublic personal information about you to the following types of affiliates:
Financial service providers - such as Share Draft and ACH processors.


Nonpublic Personal Information & Nonaffiliated Third Parties

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.


Nonpublic Personal Information & Former Members

We do not disclose nonpublic personal information about former members, except as permitted by law.


Authorized Sharing - Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

  • Nonpublic personal information we receive from you on an application or other forms, such as:
  • Name
  • Address

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Type of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal information under this section:
Financial Service Providers - such as Insurance Agents.

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing agreements:

  • To provide our members with information about additional products and services.


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ęCopyright 2008 KEMBA Delta Federal Credit Union. All rights reserved.
3108 N Germantown Pkwy #106, Bartlett, TN 38133
(901) 795-9055, Toll Free 1-888-72KEMBA, Fax: (901) 795-9063

Equal Housing Lender

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.

 
NCUA

Your savings are federally insured to at least $250,000
and backed by the full faith and credit of the United
States Government. National Credit Union
Administration, a U.S. Government Agency.