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To serve you better and manage our business, it is important that we collect and maintain accurate information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us, and from our Web sites.
For example:

  • We may collect information such as your name, address, email address, telephone/fax numbers you submit to us.
  • If you interact with us through our web site, we may collect information that you provide directly through online communications (such as an email address). We may also collect information about your Internet service provider, your domain name, your computer's operating system and Web browser, your use of our Web sites and your product and service preferences, through the use of “cookies.” “Cookies” recognize your computer each time you return to one of our sites and help to improve our sites' content and personalize your experience on our sites by, for example, suggesting offerings that may interest you.

To provide you with the products and services you request, to serve you better and to manage our business, we may disclose personal information we collect about you to other non-affiliated third parties as required or permitted by law.

In order to manage your account(s) effectively, including servicing and processing your transactions, to let you know about products and services offered by us and other KEF business units, and as otherwise required or permitted by law, we may disclose personal information about you to other KEF business units. Offers for products and services from KEF are developed under conditions designed to safeguard your personal information.

We do not disclose personal information that we collect about you to non-affiliated third parties except to enable them to provide marketing or other services on our behalf, to perform joint marketing agreements with financial institutions or as otherwise required or permitted by law. For example, some instances where we may disclose personal information about you to third parties include: for servicing and processing transactions, to protect against fraud, for institutional risk control, to respond to judicial process or to perform services on our behalf. When we share personal information about you with these companies, they are required to limit their use of personal information to the particular purpose for which it was shared and they are not allowed to share personal information with others except to fulfill that limited purpose.

We maintain physical, electronic and procedural security measures to help safeguard the personal information we collect about you. We have internal policies governing the proper handling of personal information. Third parties that provide support or marketing services on our behalf may also receive personal information about you, and we require them to adhere to confidentiality standards with respect to such information We respect your privacy and offer you choices as to whether we share personal information about you. If you prefer that we not disclose your non-public information to non-affiliated third parties, you may “opt out” of those disclosures.

We may also share personal information with other KEF business units. Please note that, even if you choose to direct us not to share eligible information with other KEF business units ("opt out"), we may still share personal information about you, including eligibility information, with those units and with non-affiliated third parties to process transactions, to service your account, and in other circumstances excluded from the opt out under applicable law. We may also share certain other types of personal information about you with KEF business units – such as your name, address, telephone number, e-mail address and account number(s), and information about your transactions and experiences with us.

Please allow approximately 30 days from our receipt of your privacy preferences for them to become effective. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your opt-out preference will remain in effect with respect to this Policy (as may be amended) until you notify us otherwise in writing. Your opt-out may affect the types of products and services made available to you.

In order to process your request, we require that the request be provided by you directly and not through a third party.

If you wish to opt out of disclosures to non-affiliated third parties or with other KEF companies, you may:

  • Call the following number: 877-271-9355, 9:00 AM - 5:00 PM (M–F) EST, or email a request to