Lincoln County Credit Union

Lincoln County Credit Union Privacy Notice

Lincoln County Credit Union is owned by its members and run by a volunteer board of directors you elect. You can be confident that your financial privacy is a top priority. We are providing you this privacy notice to explain how we collect, use and safeguard your personal finances. If you have any questions, please contact a member services representative at 406-293-7771.

We are committed to providing you with competitive products and services to meet your financial needs. In order to do so, we occasionally make arrangements with companies that provide either services to us or additional financial products for you to consider.

Under these circumstances, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we work only with companies that agree to maintain complete confidentiality. We do not allow these companies to sell to third parties the information we provide to them.

FACTS

WHAT DOES LINCOLN COUNTY 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 Income
Account Balances and Payment History
Credit History and Credit Scores

HOW

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

Reasons we can share your personal information

Does LCCU 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

For our marketing purposes— to offer our products and services to you

Yes

For joint marketing with other financial companies

Yes

For our affiliates’ everyday business purposes— information about your transactions and experiences

No Affiliates

For our affiliates’ everyday business purposes— information about your creditworthiness

No Affiliates

For our affiliates to market to you

To limit our sharing

• Call 406-293-7771 - our menu will prompt you through your choice(s) or

• Visit us online: http://www.linconcountycu.com

• Mail form below

Please note: If you are a new customer, we can begin sharing your information days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 406-293-7771 or go to http://www.tricocommunityfcu.com

Mail-in Form

Mark Any/All you want to limit:

______ Do Not Share information with other financial companies for joint marketing purposes.

Name
Address

City, State, Zip

Mail To:

Lincoln County Credit Union
PO Box 1586
Libby, MT 59923

Who We Are

Who is providing this notice?		Lincoln County Credit Union is owned by its members and run by a Board of Directors you elect.

What we do

How does LCCU 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. Our employees are trained in the importance of maintaining confidentiality and member privacy.

How does LCCU collect my personal information?		We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit card or debit card We also collect your personal information from others, such as credit bureaus.

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.

What happens when I limit sharing for an account I hold jointly with someone else?		Your choices will apply to everyone on your account.

Definitions

Affiliates		Companies related by common ownership or control. They can be financial and nonfi nancial companies. *LCCU has no affiliates*

Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffilliates we share with can include our statement processor, *data processor, check printer, and ATM and debit/credit card* processor

Joint marketing		A formal agreement between nonaffi liated financial companies that together market financial products or services to you. Our joint marketing partners include other financial companies such as CUNA Mutual Group.

Other Important Information

Click here to print a copy of this Privacy Policy in PDF format.