Michigan First Credit Union Privacy Policy
What does Michigan First 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 account balances
- Payment history and transaction or loss history
- Account transactions and credit card or other debt
When you are no longer a member, we continue to share your information as described in this notice. |
| How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Michigan First Credit Union chooses to share; and whether you can limit sharing. |
| Reasons we can share your personal information |
Does Michigan First 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 |
Yes
|
No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences |
No |
We don't share |
| For our affiliates’ everyday business purposes – information about your credit worthiness |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
| Questions? |
Call 800.664.3828 or go to our contact page at here. |
What we do
| How does Michigan First Credit Union collect my personal information? |
We collect your personal information, for example, when you:
- Open an account or apply for a loan
- Use your credit or debit card
- Give us your employment history
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies |
| Why Can't I limit 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
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies |
Privacy and Our Web Site
Visitors to Michigan First's websites will remain anonymous prior to logging in or entering information on any forms. We do not collect personal identifying information about visitors to our websites prior to login or form completion. Our servers collect standard non-identifying information about visits to our websites, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on website usage.
If you have provided identifying information via e-mail or form (e.g., name and address), the information will only be used to communicate with you to handle your request. It will not be sold or transferred to any other parties. We are committed to the security of personal information and make every effort to ensure that whenever possible, all external links follow privacy policies similar to ours. However, if you select an external link from any of our web pages, you are leaving our site pages and we cannot be held responsible for any information that may be gathered externally. Michigan First is not responsible for the content or availability of sites linked to our home page. We take reasonable precautions to assure that any site you link to from our web site respects your right to privacy; however, we cannot guarantee it. Please check sites for certification before submitting confidential information.
Once you have logged in or begin entering information on a form, we will start collecting information from what you provide to us. Basically, we will gather information as needed to provide the service requested by you. We may also use the information for internal statistical purposes. We will not disclose the information gathered to third parties except as necessary to provide the service requested by you or as required by law.
Definitions
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Michigan First Credit Union has no affiliates.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Michigan First Credit Union does not share with nonaffiliates so they can market to you.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies and securities brokers.
|
