MONTANA HEALTH FEDERAL CREDIT UNION PRIVACY NOTICE
MONTANA HEALTH FEDERAL CREDIT UNION IS OWNED BY ITS MEMBERS AND RUN BY A BOARD OF DIRECTORS YOU ELECT. YOU CAN BE CONFIDENT THAT YOUR FINANCIAL PRIVACY IS A TOP PRIORITY OF THIS CREDIT UNION. WE ARE REQUIRED BY LAW TO GIVE YOU THIS PRIVACY NOTICE TO EXPLAIN HOW WE COLLECT, USE AND SAFEGUARD YOUR PERSONAL FINANCIAL INFORMATION. THIS NOTICE ALSO CONTAINS AN OPPORTUNITY FOR YOU TO INSTRUCT US NOT TO RELEASE PERSONAL INFORMATION TO CERTAIN NONAFFILIATED THIRD PARTIES. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT THE CREDIT UNION AT 406-259-2000.
MONTANA HEALTH FEDERAL CREDIT UNION COLLECTS NONPUBLIC PERSONAL INFORMATION ABOUT YOU FROM THE FOLLOWING SOURCES:
1. Information we receive from you on applications or other forms
2. Information about your transactions with us and our affiliates.
3. Information we receive from a consumer-reporting agency
4. Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.
WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU TO ANYONE, EXCEPT AS PERMITTED BY LAW.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
INFORMATION WE MAY DISCLOSE ABOUT YOU
We are committed to providing you with competitive products and services to meet your financial needs which may require that we share information about you with others to complete your transactions and provide you with a choice of products and services. In doing so, we may disclose all of the information we collect, as described above. Accordingly, we may disclose the following kinds of nonpublic personal information about you:
1. Information we receive from you on applications and other forms, such as your name, address, social security number, and income.
2. Information about your transactions with us or other companies that work closely with us to provide you with financial products and services, such as your account balances, payment history, and credit card usage.
3. Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
We may also disclose all the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.
Lastly, in order to conduct the business of the credit union, we may disclose nonpublic personal information about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
Your
savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency
Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act