Privacy Policy &
Mission Statement

OUR MISSION STATEMENT
YOUR PRIVACY IS IMPORTANT TO USThis notice describes the privacy practices of KSFCU Investment & Insurance Services. Protecting your privacy is very important to us. We value your trust and we want you to understand what information we collect, how we protect it, and how we use it. Our Privacy Policy treats your nonpublic personal information ("personal information") with care, integrity and respect for your privacy. Information We Collect - We collect and retain information about you to identify and communicate with you, to provide you with products and services that you have requested and to help us respond to your questions. We collect nonpublic personal information from the following sources:

To be the Financial Advisor for members of Kern Schools Federal Credit Union and residents of Kern County. ~Adopted October 5, 2001~

 

  • Information we receive from you on applications and other forms (for example, name, address, social security number, assets, and income);
  • Information about your transactions from us, our affiliates (including your credit union or its affiliates) or non-affiliated third parties such as our clearing firm, mutual fund companies, insurance companies, money managers, and/or your prior brokerage firm (in the case of an account transfer),
  • Information obtained when verifying the information you provide on an application or other forms (this may be obtained from other institutions where you conduct financial transactions); and
  • In some cases, we may collect information from consumer reporting agencies.

We have procedures to ensure that your information is maintained in a commercially reasonable manner so that it is accurate, current, and complete. We also have procedures to ensure that requests to correct inaccurate or incomplete information are acted upon in a timely manner. Disclosure of Personal Information to Non-Affiliated Third Parties We do not disclose personal information about you or our former customers to non-affiliated third parties, except as permitted or required by law or regulation. We may disclose all of the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements to offer financial products and services to you, including your credit union and its affiliates. Disclosure of Personal Information in Other Circumstances We are dedicated to offering competitive high quality services to you through our relationship with your credit union. Our relationship with credit unions is structured to protect your personal information. For example, we do not release or sell customer information to telemarketing companies. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your personal information. Access to your personal information is limited to those employees, registered representatives and agents who may need to know that information to provide products or services to you. They are required to maintain the confidentiality of all customer information. We may disclose personal information about you with the following:

  • Non-affiliated third parties, but only as necessary to effect, administer or enforce transactions that you have requested or authorized, or in connection with servicing or processing a financial product or service you have requested or authorized, or to maintain or service your accounts with us.
  • Affiliates of KSFCU Investment Services in order to provide financial products and services that you have requested or authorized.
  • Your credit union, your credit union's credit union service organizations or other financial service providers that perform marketing or other services on our behalf or with whom we have joint marketing agreements.

The above disclosures are permitted under the Regulations of the Securities and Exchange Commission. There may be some states in which we do business that would prevent us from disclosing personal information in one or more of the situations described above, without a right to opt-out or a requirement to opt-in. We will respect the state requirements as they may apply to our affected customers. When we share confidential customer information with a third party, we require them to agree to adhere to the same privacy standards, laws and regulations that apply to us. That is, we require such third parties to agree to safeguard personal information regarding our customers in accordance with our own privacy policies.

Availability of Disclosure of Privacy Policy
Our Privacy Policy is available at our branch office and our privacy website at: http://www.ksfinvestments.com. We will reaffirm this policy annually, in writing, unless you agree to receive it electronically through our website. We reserve the right to make changes to this policy at any time. We will notify you if we do so. If you have any questions after reading this privacy policy, please contact our office @ (661) 833-7730. Products and services offered through CUSO Financial Services, LP (CFS) are not NCUA or NCUSIF insured, are not credit union guaranteed and may lose value. KSFCU Investment & Insurance Services is in partnership with CFS. Financial Representatives are employees of KSFCU Investment and registered through CFS. (Member FINRA/SIPC)