Mountain America Credit Union
Privacy Statement
Our Commitment to Privacy
Mountain America Credit Union has created this privacy statement in order to demonstrate our firm commitment to safeguarding the privacy of our members and other consumers who provide us with nonpublic personal information.
Information We Collect About You
We collect nonpublic personal information about our members and other consumers only for lawful business purposes, or as otherwise required by applicable law. The categories of nonpublic personal information, which we collect from you, are as follows:
Information we receive from you.
Examples of such information would include, but not be limited to: (i) information you provide on applications to become a member or applications to obtain loans, credit cards, or other financial products and services, and (ii) information we collect about you from our Web site (see "About our Web site").
Information about your transactions with us or our affiliates.
Examples of such information would include, but not be limited to: (i) account balance information, payment history, overdraft history, and credit or debit card purchase information, and (ii) the fact that you are, or have been, one of our members or have obtained a financial product or service from us.
Information about your transactions with nonaffiliated third parties.
Examples of such information might include, but would not be limited to, information that we or our agents obtain in compliance with the Fair Credit Reporting Act and other applicable laws. Such information might be obtained for the purpose of collecting on loans or for other reasons.
Information from a consumer reporting agency. Examples of this would include the information listed on your credit report.
Information We Disclose About You
We share the nonpublic personal information we have collected about members, former members, and consumers with our affiliate, Mountain America Financial Services, Inc. ("MAFS"). MAFS, which is a credit union service organization that is wholly owned by us, provides the following services:
- Insurance services
- Trust services
- Mortgage services
Information Security Practices
We take reasonable precautions to protect nonpublic personal information that members, former members, and other consumers provide to us. We restrict access to nonpublic personal information to: (i) our employees, (ii) employees of our affiliates, and (iii) the nonaffiliated third parties identified above who need to know that information in order to provide products or services to you, to collect delinquencies, or to otherwise appropriately deal with your accounts. We also maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.
Notices and Joint Relationships
Except where expressly required by applicable law, we will provide all notices to the member who is listed first on the account. Notices will be mailed to the address on the account. If the member has agreed to receive notices and disclosures electronically, then we may send all such notices and notifications to the e-mail or Internet address provided by such member. All joint owners, borrowers, and guarantors agree to the receipt and sufficiency of any notice or notification sent in accordance with the terms of this paragraph.
About Our Web Site
Mountain America Credit Union collects the following information for the purposes of contacting our members to provide requested products and information, the marketing of other credit union products and services, the reporting of Web statistics, and the monitoring of products and equipment:
- Internet Service Provider (ISP) address
- Failed log-on attempts
- Password
- E-mail address
- Clickstreams
- Access time and date
- User name
- Mailing address
- Telephone number
To enhance the personalization and performance of our members' experience, our Internet home banking product utilizes so-called 'cookies,' which are very small files that a Web site sends to the member's browser for recordkeeping purposes. Cookies function as identification cards, recording passwords and preferences. Cookies cannot be executed as code, nor can they deliver viruses. Browsers can be set to deliver a message when a cookie has been sent, allowing the member to decide whether to accept or reject it. In order to tailor Web site content to our members' interests, all cookies must be accepted. All of our cookies are temporary, which means that they are active only as long as the member's browser is running. Cookies expire when the session has ended.
Mountain America's Internet home banking is encrypted and has security measures in place to protect against the loss, misuse, and alteration of information. All sensitive transactions use Secure Socket Layer (SSL) encrypted network transmissions. Physical access to critical systems and network components is limited to specifically authorized personnel. Backups of data stores are maintained in a secure, off-site location that utilizes secure access controls. Information collected on www.macu.com or in connection with Online BranchSM Internet home banking is not sold to third parties.
Beyond Our Control
Our Web site contains links to other Web sites. Mountain America Credit Union is not responsible for the privacy practices or the content of the linked Web sites, and encourages members to read the privacy statements of all linked Web sites in order to become acquainted with their specific privacy practices.
How to Contact Us
For questions and comments regarding this privacy statement, please e-mail Mountain America Credit Union at macumail@macu.com or call 801-325-6228 or toll-free at 1-800-748-4302.
Modification
Mountain America Credit Union reserves the right to modify, change, or amend this Privacy Statement at any time without notice other than as expressly required by applicable law. Since privacy practices may change over time, please check www.macu.com regularly to view the most current version of our privacy statement.
Mountain America Federal Credit Union does business as Mountain America Credit Union.
Revised 3/2008
