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Mid-Minnesota 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 your 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 218-829-0371.
1. Information We Collect and Disclose About You
Mid-Minnesota collects nonpublic personal information about you from the following sources:
· Information we receive from you on applications and other forms, such as your name, address, social security number, assets and income.
· Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
· Information we receive from a consumer-reporting agency such as your credit worthiness and credit history.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
· We will enter into a written contract with each of these companies to ensure your nonpublic personal information will be kept confidential.
We may also disclose nonpublic personal information about you under other circumstances 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 financial records.
If you terminate your membership with Mid-Minnesota Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
2. 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.
3. How You Can Help Protect Your Information
Mid-Minnesota Federal Credit Union is committed to protecting the privacy of its members. You can help by following these simple guidelines:
· Protect your account numbers, card numbers, PINS (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your account if your card is lost or stolen.
· Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
· Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
· Let us know if you have any questions. Please do not hesitate to call us…we are here to serve you!
4. Links
This web site contains links to other sites. Please be aware that Mid-Minnesota Federal Credit Union is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Website.
This policy is offered on your behalf, by the Credit Union’s Board of Directors and Management.
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Privacy Policy for Dimes to Dollars: Mid-Minnesota Federal Credit Union’s online Youth Club for members age 0-12
Because the privacy of young members/non members to our site is of great importance, Mid-Minnesota Federal Credit Union (MMFCU), has adopted the following privacy policy, which conforms to the Children's Online Privacy Protection Act of 1998:
1. Site traffic records. MMFCU does not collect information on domain names, or dates and times of visits to any pages relating Dimes to Dollars.
2. Cookies. MMFCU does NOT require the use of per-session cookies, or any kind of temporary use of cookies. Therefore information is NEVER sold, given, or disclosed to third parties.
3. E-mail. MMFCU may use feedback information from readers to respond to inquiries, comments, or suggestions. E-mail information is NEVER sold, given, or disclosed to third parties.
Please send your questions and comments about our web site privacy policy to the webmaster by e-mail (info@mmfcu.org), phone (218-829-0371), or mail (Mid-Minnesota Federal Credit Union, P.O. Box 308, Brainerd, MN 56401).
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