Missoula Federal Credit Union Privacy Policy

Policy effective February 21, 2017.

At Missoula Federal Credit Union, we are committed to protecting our members’ privacy. This notice describes how we collect, use, disclose and protect your information. Throughout this notice, the word ‘information’ refers to personal information about you that may not be publicly available.

Collection of Information

We collect information about you from the following sources:

Information You Provide Us

  • Membership, loan, and other member initiated applications and forms;
  • Information created as a result of membership such as account numbers, transactions and transaction details such as transaction time, dollar amount and merchant information.
  • Consumer and credit reporting agencies
  • Information from sources provided on applications. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

Information From Other Sources
We may collect non-public personal information about you from nonaffiliated third party service providers in order to positively identify you and your products and services to prevent access by unauthorized individuals.

  • Consumer and credit reporting agencies
  • Information from sources provided on applications. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

Online Technologies Used to Collect Information
We use a variety of analytic technologies to collect information on our member services and other websites. By visiting our website, third parties may place cookies, beacons and other technologies on users’ browsers to track information your use of our services including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information.

Cookies are small data files that are stored temporarily or on your hard disk. This data may be used by third parties to target digital advertising on other sites and networks based off your activity. See the ‘How to Opt-Out’ section in this policy to learn how to opt-out of cookies.

Disclosure of Information

In order to complete transactions on your behalf or as required by law, we may disclose information collected, as described above, to outside third parties such as:

  • Other providers of financial products and services with which we have a credit union relationship, such as those that provide mortgage, appraisal, credit card, student loan, and insurance services.
  • Parties that collect information on loans, such as credit bureaus.
  • Providers of item processing and statement preparation services.
  • Parties that process transactions performed on your behalf, such as ATM/Checking card, VISA, and Bill Pay transactions, as well as check printing.

We only work with approved third parties who meet our security and privacy concerns, agree, in writing, to hold all member information confidential, and to allow us to check their adherence to our strict standards. At no time does Missoula Federal Credit Union sell or share information with third parties who do not provide services directly or assist us in services provided to our members.

Security

We restrict access to nonpublic personal member information to Missoula Federal Credit Union employees to the extent that they have need of the information. Our employees are extensively and regularly trained on confidentiality policies, member privacy, fraud prevention, and procedural security that complies with federal regulations and leading industry practices.

We are committed to maintaining complete and accurate information about our members, and we employ reasonable measures to ensure the accuracy, timeliness and thoroughness of this information. If you think any information we have about you or your account(s) may be incorrect, please notify us immediately. We will take prompt action to make the appropriate corrections and to notify anyone with whom we may have shared inaccurate information.

How To Opt-Out

You may opt out of certain disclosures of information about you that is described in this notice. These opt out rights do not apply to disclosures of information to parties that are affiliated with our credit union. The opt out rights also do not apply to disclosures of information for certain other specific purposes, such as:

  • Information to process transactions on your behalf, such as check printing.
  • Information that is disclosed with your consent.
  • Disclosures necessary to protect the security of our financial records.
  • Disclosures required by legal actions or subpoenas.

If you wish to opt out of having your non-public personal information from being given to a nonaffiliated third party except as permitted by law and as noted elsewhere in this disclosure, please complete the form here. Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Cookies
Most web browsers are by default set to accept cookies. You can choose to set your browser to remove or reject browser cookies, however this may affect the availability and functionality of our services.

You can opt-out of Google’s use of cookies by visiting Google’s Ad Settings page: http://www.google.com/settings/ads.

You can also opt-out of third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page: http://www.networkadvertising.org/choices/.