Policy Policy


Rev. September 2015

FACTS WHAT DOES KAHULUI FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why 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.
What 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 checking account information
  • account balances and payment history
  • account transactions and transaction history
When you are no longer our member, we continue to share your information as described in this notice.
How 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 Kahului Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Kahului FCU share? Can you 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 report to credit bureaus Yes No
For our marketing purposes — to offer our products and services to you Yes Yes
For joint marketing with other financial companies No We don't share
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 nonaffiliates to market to you No We don't share
Questions? Call (808) 871-7705
What we do
How does Kahului 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Kahului Federal Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • apply for a loan or file an insurance claim
  • show your driver’s license
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 laws 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—unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Kahului FCU has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Kahului FCU does not share with 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.
  • Kahului FCU doesn’t jointly market