Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit. Credit Unions promote thrift, and income is passed along to its members in the form of higher dividends on savings accounts, lower interest on loans, or new and improved services. Our credit union is Federally chartered and federally insured to $250,000.00 by the NCUA and backed by the full faith and credit of the United States government. Our field of membership is based on employee groups and family members. NOTICE OF PRIVACY PRACTICES FOR KRD Federal Credit Union MEMBERS: The credit union has never shared non-public personal information and we will continue to protect your privacy. To assure the continued privacy of your personal financial information, your credit union observes these practices and procedures: Information We Collect We routinely collect and retain information about you from the following sources: • Information we receive from you on applications or other forms; • Information about your transactions with us, our affiliates, or others; and • Information we receive from a consumer reporting agency, Information We Disclose We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. Our Security Measures We restrict access to nonpublic personal information about you to those employees and officials 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. If you decide to terminate your membership at any time, we will adhere to the privacy policies and practices as described in this notice. Website Terms of Use The KRD Federal Credit Union Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the KRD Federal Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices. Modification of these terms of use: KRD Federal Credit Union reserves the right to change the terms, conditions, and notices under which the KRD Federal Credit Union Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the KRD Federal Credit Union Site/Services constitutes your agreement to all such terms, conditions, and notices. Personal and non-commercial use limitation: Unless otherwise specified, the KRD Federal Credit Union Site is for your personal and non- commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the KRD Federal Credit Union site. Links to third party sites: The KRD Federal Credit Union Site/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of KRD Federal Credit Union and KRD Federal Credit Union is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. KRD Federal Credit Union is not responsible for webcasting or any other form of transmission received from any Linked Site nor is KRD Federal Credit Union responsible if the Linked Site is not working appropriately. KRD Federal Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by KRD Federal Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the KRD Federal Credit Union Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. KRD Federal Credit Union shall not be responsible or liable for any part of any such dealings or promotions. No unlawful or prohibited use: As a condition of your use of the KRD Federal Credit Union Site/Services, you will not use the KRD Federal Credit Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the KRD Federal Credit Union Site/Services in any manner which could damage, disable, overburden, or impair any KRD Federal Credit Union Site/Service(s) (or the network(s) connected to any KRD Federal Credit Union Site/Service(s)) or interfere with any other party's use and enjoyment of any KRD Federal Credit Union Site/Service(s). You may not attempt to gain unauthorized access to any KRD Federal Credit Union Site/Service, other accounts, computer systems or networks connected to any KRD Federal Credit Union Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the KRD Federal Credit Union Sites/Services. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA-National Credit Union Administration, a U.S. Government Agency
