Bitterroot Community 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. If you have any questions, please contact us at (406) 821-3171
| FACTS | WHAT DOES BITTERROOT COMMUNITY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | 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 notice carefully to understand what we do. |
| What? | 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 Income Account Balances and Transaction History Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice |
| How? | 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 Bitterroot Community Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Bitterroot Community Federal Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | No | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | No |
| For nonaffiliates to market to you | No | No |
| Who we are | |
|---|---|
| Who is providing this notice? | Bitterroot Community Federal Credit Union |
| What we do | |
|---|---|
| How does Bitterroot Community Federal Credit Union protect my personal information? | 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 also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information. |
| How does Bitterroot Community Federal Credit Union collect my personal information? | We collect your personal information, for example, when you Open an account or Apply for a loan Apply for any Credit Union Service or Use your debit card for paying bills Make deposits or withdrawals from your account We also collect your personal information from others, including credit bureaus or other companies. |
| Why can’t I limit all sharing? | 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 laws and individual companies may give you additional rights to limit sharing. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Bitterroot Community Federal Credit Union |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Bitterroot Community Federal Credit Union |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service companies and insurance companies. |
| Other important information |
|---|
| Protecting Children's Private Information. Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and Online privacy is important and that responsibility rests with us and with the parents. |