Privacy Policy
What Does Montana Credit Union Do With Your Personal Information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this page carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and account balances
- Account transactions and overdraft history
- Payment history and transaction or loss history
When you are no longer our member, we continue to share your information as described in this notice.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you:
- Open an account or make a wire transfer
- Apply for financing or show us your driver’s license
- Make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes–information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Cases When We Can Share Members’ Personal Information
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Montana Credit Union chooses to share; and whether you can limit this sharing.
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For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
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For our marketing purposes—to offer our products and services to you
For our marketing purposes—to offer our products and services to you
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For joint marketing with other financial companies
For joint marketing with other financial companies
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For our affiliates’ everyday business purposes—information about your transactions and experiences
For our affiliates’ everyday business purposes—information about your transactions and experiences
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For our affiliates’ everyday business purposes—information about your creditworthiness
For our affiliates’ everyday business purposes—information about your creditworthiness
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For our affiliates to market to you
For our affiliates to market to you
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For nonaffiliates to market to you
For nonaffiliates to market to you
Does Montana Credit Union share?
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For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
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For our marketing purposes—to offer our products and services to you
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For joint marketing with other financial companies
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For our affiliates’ everyday business purposes—information about your transactions and experiences
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For our affiliates’ everyday business purposes—information about your creditworthiness
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For our affiliates to market to you
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For nonaffiliates to market to you
Can you limit this sharing?
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For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
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For our marketing purposes—to offer our products and services to you
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For joint marketing with other financial companies
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For our affiliates’ everyday business purposes—information about your transactions and experiences
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For our affiliates’ everyday business purposes—information about your creditworthiness
We don’t share
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For our affiliates to market to you
We don’t share
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For nonaffiliates to market to you
We don’t share
Definitions
Companies related by common ownership or control. They can be financial and nonfinancial companies. Montana Credit Union has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Montana Credit Union does not share with our nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include the following with whom we have joint marketing agreements; a service provider that performs marketing services on our behalf, and other financial institutions.