PRIVACY POLICY

Forest Kraft Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a priority for our credit union. We will continue to protect your privacy.

As a member of Forest Kraft Federal Credit Union, you also have a responsibility to safeguard your financial information.

To ensure that you can rely on the quality of products and services we make available, our credit union stands behind the following policy:

• Our credit union will only collect the personal information that is necessary to conduct business. That means just what is necessary to provide competitive financial products and services and no more.
  
  a. Types of Information that we collect:
  
  Identifying Information: name, address, social security number, information from consumer reports such as a consumer's creditworthiness and credit history.
  
  Application Information: assets and income
  
  Transaction Information: account balance, payment history, parties to the transaction, credit card usage

• Our credit union will protect personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we use security techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

• Members will have access to their financial information. Our members will have the opportunity to review their information and make necessary changes to ensure that our records are complete and accurate.

• Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other business to offer a broader array of products and services.

• Our credit union will partner only with businesses that follow strict confidentiality requirements. The business we select will offer products designed to enhance member's economic well-being. Under no circumstances will we authorize these firms to charge the member's account without the member's consent, and we will not sell member information with telemarketing firms.

• Any contract between the Credit Union and a third party should contain language that states a confidentiality clause that has the contracting parties acknowledge that nonpublic personal information about members is being exchanged, that each party will safeguard the confidentiality of the information, and that each party agrees not to sell, transfer or disclose nonpublic personal information received from the other except as permitted by law and regulations.

Website Privacy Statement:

Forest Kraft Federal Credit Union values your interest in learning more about our credit union products and services. We are committed to protecting the personal privacy of our Web site visitors. It is our policy to limit the collection of personal information to that necessary for us to provide you with quality service and offer you services we think might be of interest.

To offer you greater access to information, the Forest Kraft Federal Credit Union website also contains links to other sites. While we hope these organizations join us in respecting your privacy, Forest Kraft FCU is not responsible for the content or practices of these other websites.