39 Market Street ~ Amsterdam, NY 12010
Phone: (518) 842-1840 ~ Fax: (518) 842-3955 ~ QT24: 1-866-921-7301

PRIVACY POLICY
FACTS

WHAT DOES MCT FEDERAL 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

  • Name

  • Address

  • Date of Birth

  • email Address

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 members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons MCT-FCU chooses to share; and whether you can limit this sharing.

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  Reasons we can share your personal information Does MCT-FCU 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 NO N/A

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

 NO N/A

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

 NO N/A
For our affiliates to market to you YES NO
For non-affiliates to market to you NO N/A
  Who we are
Who is providing this notice?

MCT FEDERAL CREDIT UNION, 39 MARKET STREET,
AMSTERDAM, NY 12010
  What we do

How does MCT-FCU
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.

How does MCT-FCU
collect my personal information?

 We collect your personal information, for example, when you
  • Open an account or Apply for a product or service
  • Make a transaction with your debit card or credit card
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.
  Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  Other important information

MCT-FCU takes every precaution to safeguard your personally identifying personal information.  You should do the same.  Do not include your social security number on printed checks.  Limit personal information available on internet social media and websites, such as Facebook.  Keep computer anti-virus, firewall and malware protection software up-to-date.



Last updated: May 22, 2010
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