Mountain America Financial Services, LLC
and it's Divisions Privacy Statement
Our Commitment to Privacy
Mountain America Financial Services, LLC and it's Divisions has created this privacy statement in order to demonstrate our firm commitment to safeguarding the privacy of our customers 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 to obtain any financial product or service from Mountain America Financial Services, LLC and it's Divisions 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) driving history, public records, claims history, and (ii) the fact that you are, or have been, one of our customers or have obtained a financial product or banking service from us.
Information about your transactions with nonaffiliated third parties.
Examples of such information might include, but would not be limited to, information, which we or our agents obtain in compliance with the Fair Credit Reporting Act and other applicable law. Such information might be obtained for the purpose obtaining insurance rates 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 affiliates, providing the following services:
- Insurance services.
- Brokerage services.
- Mortgage services.
- Deposit, credit and other banking services.
We may also share the nonpublic personal information we have collected about you with nonaffiliated third parties with whom we have joint marketing agreements. Before entering into joint marketing agreements with nonaffiliated third parties, we require them to safeguard the nonpublic personal information relating to our customers, former customers and consumers, and to comply with all applicable privacy laws.
Information Security Practices
We take reasonable precautions to protect nonpublic personal information that customers, former customers (when people use MAFS, they are not "members" but "customers"), 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 customer who is listed first on the account. Notices will be mailed to the last known address on the account. If the customer/consumer has agreed to receive notices and disclosures electronically, then we may send all such notices and notifications to the email or Internet address provided by such customer/consumer. All 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 Financial Services, LLC and it's Divisions utilizes the Mountain America Credit Union Web site and collects the following information for the purposes of contacting our customers/consumers 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
- eMail address
- Clickstreams
- Access time and date
- User name
- Mailing address
- Telephone number
To enhance the personalization and performance of our members'/consumers 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 record-keeping 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.
Beyond Our Control
Mountain America Credit Union site contains links to other Web sites. Mountain America Credit Union and it's Divisions are 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 email Mountain America Financial Services at mclark@macu.org or call us at 801-325-6539.
Modification
Mountain America Financial Services, LLC and it's Divisions 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.
Revised 12/2007
