KCCU is committed to respecting your privacy. You can browse our website without identifying yourself, and any personal information you choose to share will only be used to support your relationship with the Credit Union.

When you become a member, apply for a product, or interact with KCCU online, we may collect the following categories of information:

Your information helps us serve you better. Specifically, we use it to:

• Provide your accounts and services — process transactions, manage loans, and operate your share and deposit accounts.
• Verify your identity — meet our legal obligations under know-your-customer (KYC) and anti-money-laundering rules.
• Communicate with you — send statements, important notices, and respond to your inquiries.
• Improve our services — understand how members use our products so we can build better ones.
• Marketing and research — occasionally contact you about products or research, with your consent and the option to opt out.

KCCU does not sell, rent, or lease your personal information. We share your data only in the following situations:

• With KCCU entities — affiliates and partners acting on our behalf, all bound by our privacy policies and confidentiality agreements.
• With service providers — for example, payment processors, IT vendors, or auditors, under strict confidentiality obligations.
• When required by law — to comply with subpoenas, court orders, regulatory investigations, or financial-crime reporting obligations.
• With your consent — for any other purpose you've explicitly agreed to.

Our website uses cookies and similar technologies to make the site work properly, remember your preferences, and understand how visitors use our pages. You can disable cookies in your browser settings, although some parts of the site may not function as intended without them.

We retain your personal information for as long as you are a member of KCCU, and afterwards for the periods required by law, regulation, and our internal record-keeping policies. Financial records are typically kept for the periods specified by St. Vincent and the Grenadines financial regulations.

KCCU serves Vincentians at home and abroad — including in Canada, the United Kingdom, and the United States. Where your information needs to be transferred internationally to provide the services you've requested, we apply the same protections regardless of where the data is processed.

You may at any time:

• Access your information — request a copy of the personal information KCCU holds about you.
• Correct inaccuracies — ask us to update information that's wrong or out of date.
• Withdraw marketing consent — opt out of marketing or research communications.
• Ask questions — contact us about how your information is being handled.

To exercise any of these rights, contact us using the details below. We may need to verify your identity before acting on your request.

KCCU is committed to protecting your information. We maintain appropriate physical, electronic, and managerial procedures to prevent unauthorized access, maintain data accuracy, and ensure information is used appropriately. Our staff receive ongoing training on confidentiality and data handling.

We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable law. The "last updated" date at the top of this page indicates when it was most recently revised. We encourage you to review the policy periodically.