We believe in respecting your privacy.
These are the ways we use your information.
Revised December 2021
|Facts||What does Michigan First 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.|
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 account balances
|How?||All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Michigan First Credit Union chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Michigan First 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||Yes||No|
|For our affiliates’ everyday business purposes – information about your credit worthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For non-affiliates to market to you||No||We don’t share|
To limit our sharing
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|What we do||How We Do It|
|How does Michigan First Credit Union collect my personal information?||We collect your personal information, for example, when you:
• Open an account or apply for a loan
|Why can’t I limit sharing?||Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes – information about your creditworthiness
Companies related by common ownership or control. They can be financial and non-financial companies.
• Our affiliates include companies with the Michigan First name.
Companies not related by common ownership or control. They can be financial and non-financial companies.
• Michigan First Credit Union does not share with non-affiliates so they can market to you.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
• Our joint marketing partners may include insurance companies, securities brokers, and membership rewards providers.
Michigan First Credit Union and its affiliates — Michigan First Mortgage and Michigan First Insurance Agency — share personal information with each other for business purposes. Federal law gives you the right to opt-out of your information being shared between these companies. Please fill out and submit the form below if you would like to opt-out of data sharing. By opting out, your data will not be shared between companies and you will no longer receive marketing or promotional material from Michigan First Credit Union, Michigan First Mortgage or Michigan First Insurance Agency.
Michigan First uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on our website. This includes information about your visit, including your device type, traffic source and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access our website and provide a better overall user experience.
Google AdWords & Remarketing
We use “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also be used to present you with advertisements based on your actions on our website.
We use the Facebook Pixel to track activity on our website potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements, as well as to build remarketing audiences based on actions taken on our website.
We take your privacy seriously and ensure that no personally identifying information is stored in the “cookies."