Privacy Policy

Ravalli County Federal Credit Union (RCFCU) is owned by its members. Our operation is run by the President/CEO under the supervision of a board of directors that you, the members, elect. Your financial privacy is a top priority of this credit union and we want you to be confident in our efforts to protect your privacy. We are required by law to give you this privacy notice to explain how we collect, use, and protect your personal financial information. If you have any question, please contact us at (406) 363-4631 and speak to any member of our staff.

WHAT DOES RAVALLI COUNTY 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 Ravalli County Federal Credit Union’s Privacy Policy.

At Ravalli County FCU, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Ravalli County FCU. This notice explains what types of member information we collect and under what circumstances we may share it.

WHAT: The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

Name, address, Social Security number and income
Account balances and transaction history
Credit history and credit scores

When you are no longer our member, we continue to share your information as described in this notice.

HOW: All financial institutions 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 Ravalli County Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your information	Does Ravalli County 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	WE DO NOT SHARE
For our affiliates’ everyday business purposes –information about your transactions and experiences		NO	WE DO NOT SHARE
For our affiliates’ everyday business purposes – information about your creditworthiness		NO	WE DO NOT SHARE
For non-affiliates to market to you		NO	WE DO NOT SHARE

Questions?

Call 406-363-4631, send us an email at information@ravallicountyfcu.org or write us at: Ravalli County Federal Credit Union, PO Box 598, Hamilton, MT 59840

Who we are: Who is providing this notice? Ravalli County Federal Credit Union, PO Box 598, Hamilton MT 59840

How does Ravalli County 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 to provide products or services to you.

How does Ravalli County 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
You visit our web site, provide us information on any online application or transaction, or information you send to us by email
Use your credit or debit card or pay your bills
Make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus or other companies.

Why can’t I limit all sharing? Federal law only gives you the right to limit information sharing as follows:

Sharing for affiliates’ everyday business purposes – information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you

However, we do not have any affiliates with whom we share any information.

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Ravalli County FCU has no affiliates

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.

Ravalli County FCU does not share with non-affiliates so they can market to you except for our joint marketing arrangements

Joint marketing: A formal agreement between Ravalli County FCU and a non-affiliated financial company where we jointly market financial products and services to you.

Our joint marketing partners include financial services 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.

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