Trust has always been the foundation of our relationship with members. To preserve your trust, we pledge to protect your privacy by adhering to the practices described below. By signing any application or agreement with us, or your use or continued use of any of our services with us after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement. In this Agreement, the terms we, our, or us means Fort Knox Federal Credit Union; and the terms you or your means all members, consumers, borrowers and guarantors.

Types of information we collect
We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We collect information about members from the following sources: (a)Applications for products/services, verifications, current and past employers, other forms and any communications you send to us including electronic messages from which we collect your name, address, phone numbers, social security number, financial data, birth date, gender and other information; (b)Transactions involving your accounts or products/services with us from which we collect information such as your name, account number, balance, payment history, parties to your transactions and credit/debit card usage; and (c)Consumer Credit Reports from which we collect information about your creditworthiness, credit history and account activity.
You agree that telephone numbers, residence/e-mail addresses provided in your Membership Application and Signature Card, or any other application or communication sent to us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services.

Web Site
Use of our web site or linking to a site we sponsor requires the use of cookies, which are small pieces of information a web site stores on a visitor's web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our member's online transactions and eases navigation through our web site. For certain applications, such as online transactions, cookies are required to help protect the privacy of a member's transactions by, for example, terminating the session if the member forgets to log out. We collect e-mail addresses from members who request electronic services, and from users of our web site who choose to provide their addresses.

Types of information we disclose
To benefit our members, we share information as described above within the Credit Union, and with certain trusted third parties who are obligated to maintain the confidentiality and security of your private information. We use the services of various third parties to assist us in offering financial products/services to our members. For example, we use the services of third parties for producing credit and debit cards; for processing credit and debit card transactions; for assistance in making loans (credit scoring); for appraising collateral; for securing collateral; for producing title opinions; for providing life, accidental death and dismemberment and credit life insurance; and for printing and mailing periodic statements, newsletters and other product/service information. Before entering into any third party relationship, we ensure that the written agreement clearly requires the third pary to hold confidential all member information.
We may also share information when required/permitted by applicable law; for example, legal subpoena.

Security
We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Notices and joint relationships
Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Modification
The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

Updated: March 25, 2010