Privacy Notice – Knoxville Teachers Federal Credit Union

FACTS	WHAT DOES KNOXVILLE TEACHERS 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 that we collect and share depend on the product or service that you have with us. This information can include: Social Security Number and income Account balances and payment history Account Transactions and checking account information Credit 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 Knoxville Teachers Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does KTFCU 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	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes– information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes– information about your creditworthiness	No	We don’t share
For our affiliates’ to market to you	No	We don’t share
For our nonaffiliates to market to you	No	We don’t share

Questions?

Call us at (865) 582-2700 or go to http://ktfcu.org

Who we are
Who is providing this notice?	Knoxville Teachers Federal Credit Union

What we do
How does KTFCU 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. KTFCU regularly tests and assesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary to protect your information.
How does KTFCU collect my personal information?	We collect your personal information, for example, when you: Open an account or deposit money Pay your bills or apply for a loan Use your debit card 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. We have no affiliate companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. KTFCU 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. We do not engage in Joint Marketing.