Privacy Policy
What does Greater Kentucky 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 account balances
Account transactions and credit history
Employment information and payment history
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 Greater Kentucky Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Greater Kentucky Credit Union 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 to 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 | Yes | No |
| 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 our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
What we do
How does Greater Kentucky 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.
How does Greater Kentucky Credit Union collect my personal information?
We collect your personal information, for example, when you
open an account or make a wire transfer
give us your income information or apply for financing
give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Location Information
If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
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 non-affiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Greater Kentucky Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Greater Kentucky Credit Union does not share with our non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurance companies.
Questions?
If you have any questions or complaints about this Privacy Notice or Greater Kentucky Credit Union's data collection or processing practices, or if you want to report any security violations to Greater Kentucky Credit Union, please contact Greater Kentucky Credit Union at: privacy@gtkycu.com; or by mail at:
Greater Kentucky Credit Union, Inc.
1001 Red Mile Rd
Lexington, KY 40504