Kellogg Company Employees Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at Kellogg Company Employees Federal Credit Union 402 593-2680.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect And Disclose About You

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreements.

• From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.
• From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
• From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
• From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.
• What Opting-Out Means: You are entitled to opt-out of the disclosure of your nonpublic personal information. If you opt-out, you limit the extent to which the Kellogg  Company Employees Federal Credit Union can provide your personal financial information to non-affiliates.

You are encouraged to opt-out within 30 (thirty) days of opening an account or obtaining a loan from Kellogg Company Employees Federal Credit Union. If you do not opt-out during this 30 (thirty) day period, our credit union is free to share certain personal financial information until you exercise your right to opt-out. If you did not opt-out within the 30 day period, it is not to late. You can opt-out of nonpublic personal financial information-sharing at any time.

Remember, however, that any of your nonpublic personal financial information shared before you opted-out cannot be retrieved by Kellogg Company Employees Federal Credit Union. Also note that even if you do opt-out, Kellogg Company Employees Federal Credit Union is permitted to disclose your information if the disclosure facilitates processing your transactions, servicing your accounts and assists in performing normal or routine transactions.

You may obtain the Opt-Out Notice by calling our office at 402-593-2680. You can also visit our office location or send a written Opt-Out Notice request to the address provided below. A Member Service Representative can also answer questions regarding your opt-out rights, whether by telephone, email or in response to your office visit or written request.

Kellogg Company Employees Federal Credit Union
Attention: VISA Card Application Processing
9601 F Street
Omaha, NE 68127

We may also disclose information we collect about you under other circumstances as permitted or required by law. "Permitted" disclosures typically include using the information to process transactions performed on your behalf, conducting the operations of our credit union, following your authorized instructions and protecting the security of our financial records. Examples of disclosures "required by law" include court orders and subpoenas.

If you terminate your membership with Kellogg Company Employees Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business in utilizing your data. Our employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.