Online Privacy Statement

At Clearwater Credit Union, we respect your privacy, and we’re dedicated to protecting it.

Last updated October 1, 2024.

Clearwater Credit Union’s (“Clearwater,” “We,” “Us”) Online Privacy Statement (“Statement”) outlines the types of information we may collect or that you may provide when you visit clearwatercreditunion.org (“Website”). It also describes our practices for collecting, using, protecting, and disclosing that information. This Statement is in addition to our Privacy Notice.

When This Statement Applies

This Statement applies to information we collect:

Through our Website.
In email, text, or other electronic messages between you and our Website.
Through mobile or desktop applications you download from our Website.
When you engage with our advertising or through third-party websites or services, if that advertising or those applications include links to this Statement.

This Statement does not apply to information collected by any third party, including through any application or content that may link to, be accessible from, or located within our Website.

Please Read this Statement Carefully

Please read this Statement carefully to understand our information policies and practices and how we will handle your information. If you do not agree with our policies and practices, you can choose not to use our Website. By accessing or using this Website, you agree to this Statement.
This Statement may change from time to time, and if you continue to use this Website after we make changes, we will consider it as your acceptance of those changes. Please check this Statement periodically for updates.

Children Under Age 13

Our Website is not intended for children under age 13. We do not knowingly collect personal information from children under 13, and no one under age 13 may provide any personal information to or on our Website. If you are under 13, do not use or provide any information on this Website, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use.
If we learn we have collected or received personal information from anyone under age 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at 406-523-3300.

Information We Collect and How We Collect It

We collect the following types of information from or about you on our Website.

Personally Identifiable Information (PII)
Non-PII
Demographic information
Geographic information

This information may personally identify you and include your name, postal or email address, telephone or Social Security Number, or any other identifier by which we may contact you online or offline.

We may also collection information about you that does not individually identify you, such as:

Account, payment card, or verification numbers,
Transaction and payment history,
Information about your internet connection, and
The equipment you use to access our Website, including your location, and/or usage details.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate our Website, which may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
Using Google Analytics website analytics software.

Information You Provide to Us

The information we collect on or through our Website may include:

Information that you provide by filling in forms, including information you provide when registering for digital banking, when you fill out online application forms, when submitting online forms, etc. We may also ask you for information when you enter a contest or promotion we sponsor and when you report a Website problem.
Records and copies of your correspondence to or with us, including your email address.
Your responses to surveys that we invite you to complete.
Details of transactions you make through our Website. We may require you to provide financial information to submit a Website application.
Your search queries on the Website.
Your responses and/or interactions with our online marketing campaigns.

Information We Collect Through Automatic Data Collection Technologies

As you interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your Website visits, such as traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services, referred to as behavioral tracking. Click the Cookie Preferences link on our Website to opt out of behavioral tracking on this Website.

The information we collect automatically does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties to help us improve our Website and your experience on our Website, including:

Estimating our audience size and usage patterns.
Storing information about your preferences, which allows us to customize our Website for your individual interests.
Speeding up your Website searches.
Recognizing you when you return to our Website to deliver a more personalized experience.

The automatic data collection technologies we may use include:

Browser Cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the proper settings on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you adjust your browser setting to refuse cookies, our Website will issue cookies when you direct your browser to our Website.
Web Beacons. Our Website pages or emails may contain small electronic files known as web beacons, clear gifs, pixel tags, and/or single-pixel gifs that allow us to count users who have visited those pages, opened emails, and for other related Website or email statistics. For example, recording the popularity of certain website content and verifying system and server integrity. We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or that you provide to us.

How We Use Your Information

We use information that we collect about you, or that you provide to us, including any personal information to:

Present our Website and its contents to you.
Provide you with information, products, or services that you request from us.
Fulfill any other purpose for which you provide it.
Provide you with account notices.
Carry out our obligations and enforce our rights arising from any contracts between you and us, including for billing and collection.
Notify you about Website changes and any products or services we offer or provide through it.
Allow you to participate in interactive features on our Website.
For search engine marketing purposes, including Google Ads. We use the Google Ads service to advertise on Google search result pages. Google uses cookies to serve ads based on your past Website visits. For more information on Google AdWords services and how to opt-out, please refer to Google’s Privacy Policy and Google ad settings.
For Google Dynamic Remarketing services to advertise to you on third party websites after you visit our Website. We, and our third-party vendors, use cookies to inform, optimize, and serve ads based on your past visits to our Website. Google Dynamic Remarketing is a service of Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. This service uses cookies and similar technologies to display personalized advertising messages on websites that work with Google. Cookies and similar technologies may also be used to analyze website usage as a basis for creating interest-based advertisements. If you use a Google Account, depending on your Google Account settings, Google may link your Google web and app browsing history to your Google Account and use information from your Google Account to personalize ads. If you do not want this association with your Google Account, please log out of your Google Account before you access our Website. As described above, you can configure your browser to reject cookies, or you can prevent the collection of data generated by the cookies and related to your use of this Website and the processing of this data by Google by accessing the Google Advertising Settings and turning off the personalization buttons. Please refer to Google’s Privacy Policy for more information on dynamic remarketing.
In other ways we may describe when you provide the information.
For any other purpose with your consent.
Contact you about our own or third parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please see our Privacy Notice.

Disclosure of Your Information

We may disclose aggregated information about our collective users and information that does not identify you as an individual, without restriction. We may disclose personal information that we collect, or you provide, as described in this Online Privacy Statement and our Privacy Notice:

To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and to use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Clearwater’s assets, whether as an ongoing concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Clearwater about our Website users is among the assets transferred.
To fulfill the purpose for which you provide it. For example, if you give us an email address to use in a contest or campaign on our Website, we will transmit the contents of that email and your email address to the recipients.
For any other purpose that we disclose when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including responding to any government or regulatory request.
To enforce or apply our Membership and Account Agreement and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Clearwater, our members, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

First-Party Cookies. If you prefer that we not use cookies when you visit us, you can adjust your cookie settings. Please note, disabling these types of cookies will not turn off advertising on our websites and the advertising you see may be less relevant to you.
Third-Party Cookies. You can opt-out of receiving personalized ads from third party advertisers and ad networks who are members of the Network Advertising Initiative (NAI), or who follow the Digital Advertising Alliance’s (DAA) Self-Regulatory Principles for Online Behavioral Advertising, by visiting the opt-out pages on the NAI website and DAA website to opt out. Google also provides a suite of tools to control its cookies, including:
- Google Analytics, which is a tool used to track and report website traffic, provides an opt-out browser add-on that you can download.
- Google Safety Center has a tool where you can control the ads you see on Google and control the data used for serving ads to you.
- If you wish to block other cookies, including those being served by companies that are not part of the NAI or the DAA you can use the browser-level cookie controls described below.
Browser-level cookie controls. Most browsers allow you to manage cookie settings. You can usually find these in the ‘Settings’, ‘Options’ or ‘Preferences’ menu of your browser.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with nonaffiliate third parties for promotional purposes, please complete our Opt-Out form.
Clearwater Promotional Offers. If you do not wish us to use your email address or contact information to promote our own or third parties’ products or services, you can complete our Opt-Out form. If we have sent you a promotional email, you may unsubscribe from future email distributions. PLEASE NOTE: This opt-out does not apply to information provided to us because of a product purchase, product service experience, or other transactions.

Accessing and Correcting Your Information

You can update your Information Sharing and Communication Preferences by completing our Opt-Out form.

Data Security

Clearwater has implemented measures designed to secure your personal information from accidental loss, unauthorized access, use, alteration, and disclosure. We store all information you provide to us on our secure servers behind firewalls. We encrypt any payment transactions and application data using SSL technology.
It is important to understand that the safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. PLEASE DO NOT SHARE YOUR PASSWORD WITH ANYONE.

Unfortunately, transmitting information via the internet is not completely secure. Although we are committed to protecting your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our Website.

Changes to Our Online Privacy Statement

It is our policy to maintain the most current version of this Online Privacy Statement on our Website. If we make material changes to this Statement or to how we treat your personal information, we will notify you via the email address we have on file for you and through a notice posted in the Privacy Center on our Website.
You can find the date we last updated this Statement at the bottom of the page. You are responsible for ensuring we have an up-to-date, active and deliverable email address for you, and for periodically visiting our Website and this Statement to check for any changes.

Contact Information

For questions or comment about this Statement or our privacy practices, please:

Visit our online Privacy Center.
Call us at 406-523.3300.
Write to us at 3600 Brooks St, Missoula, MT 59804.

Online Banking