Privacy Policy

What Does Marathon County Employees Credit Union, Do With Your Personal Information?

  
    FACTS
    WHAT DOES MARATHON COUNTY EMPLOYEES 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 Transaction history
Account balances and Account transactions
Payment history and Checking account information

      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 member'spersonal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
member'spersonal information; the reasons Marathon County Employees Credit Union
chooses to share; and whether you can limit this sharing.
  

FACTS	WHAT DOES MARATHON COUNTY EMPLOYEES 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 Transaction history Account balances and Account transactions Payment history and Checking account information 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 member'spersonal information to run their everyday business. In the section below, we list the reasons financial companies can share their member'spersonal information; the reasons Marathon County Employees Credit Union chooses to share; and whether you can limit this sharing.

  
    Reasons we can share your personal information
    Does MCECU 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 creditworthiness
    No
    We don't share
  
    For our affiliates to market to you 
    No
    We don't share
  
    For nonaffiliates to market to you 
    No
    We don't share

Reasons we can share your personal information	Does MCECU 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 creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call 715-261-7680 or go to www.mcecu.org

  
    Who we are
  
    Who is providing this notice?
    Marathon County Employees Credit Union (MCECU)

Who we are
Who is providing this notice?	Marathon County Employees Credit Union (MCECU)

  
    What we do
  

  
    How does MCECU
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 limit access to information to those employees for whom access is
appropriate.
  

    How does MCECU
collect my personal information?
    We collect your personal information, for example, when you
    Open accounts or Give us your contact information
Apply for a loan or Show your governmentissued-ID
Use you a credit or debit card

      We also collect your personal information from others, such as credit
bureaus, affiliates, 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. See below for more on your rights under state law
    
  

What we do
How does MCECU 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 limit access to information to those employees for whom access is appropriate.
How does MCECU collect my personal information?	We collect your personal information, for example, when you Open accounts or Give us your contact information Apply for a loan or Show your governmentissued-ID Use you a credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, 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. See below for more on your rights under state law

  
    Definitions
  
    Affiliates 
    Companies related by common ownership or control. They can be
financial and nonfinancial companies
    Marathon County Employees Credit Union has no affiliates.

    Nonaffiliates 
    
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
      Marathon County Employee Credit Union does not share with
non-affiliates 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 investment products, insurance
and credit card companies.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies Marathon County Employees Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Marathon County Employee Credit Union does not share with non-affiliates 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 investment products, insurance and credit card companies.

Other Important Information

For Alaska, Illinois, Maryland, and North Dakota Members.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For California Members.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi, and New Jersey Members.
We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members.
We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.