Privacy Policy

Privacy Notice

Knox County Teachers Federal Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We intend to offer you diverse financial services including competitive products made available by our relationships with other financial institutions. We believe you do business with Knox County Teachers Federal Credit Union because of these services and because of our string history of protecting our membersˇ¦ privacy.

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and, also, enables us to share the information necessary to provide competitive financial products and services. If, after reading this notice, you have any questions, please contact us at (865) 922-7481 or (865) 691-8139.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct the business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

Information We Collect About You
We collect non-public personal information about you form the following sources:
* Information we receive from you on applications and other forms.
* Information about your transactions with us or others including those companies that work closely with us to provide you with diverse financial products and services.
* Information we receive from a consumer reporting agency.
* Information obtained when verifying the information you provided on an application or
other forms: this may be obtained form your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us.
We may disclose nonpublic personal information about you to the following types of third parties.

* Financial service providers, such as insurance companies; and
* Non-financial companies, such as consumer reporting agencies, retailers, data processors, check/share draft printers, plastic card processors, and government agencies.

Disclosure of Information to Parties That Provide Services to Us.
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform other services on our behalf so that we may provide memberˇ¦s competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures on you behalf, conduct the operations of your credit union, following you instructions as you authorize, or protect the security or you financial records.
To protect our membersˇ¦ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members.
If you terminate you membership with Knox County Teachers Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you, We maintain physical, electronic, or procedural safeguards that company with federal regulations to guard you nonpublic personal information.

What Members Can Do to Help.
Knox County Teachers Federal Credit Union is committed to protecting the privacy of its members, Members can help by following these simple guidelines.

„h Protect your account numbers, plastic card numbers, PINˇ¦s (personal identification numbers) or passwords, Never keep you PIN with your card, which can provide free access to you account if you card is lost or stolen,

„h Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union. Official credit union staff will have access to you information and will not need to ask for it.

„h Keep your information with us current. If your address or phone numbers changes, please let us know. It is important that we have current informationon how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

„h Let us know if you have questions. Please do not hesitate to call us, we are here to serve you!


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