You should know how we collect, protect, use, and share your information.
our advertisements on third-party websites, or use any other online services we offer that link to
or reference this policy (collectively, our “Online Services”), and should be read in conjunction
application you are accessing (collectively, the “Policies”).
1. Information We Collect
When you visit or use our Online Services, we may collect personal information from or about
you. Personal information means personally identifiable information such as your name, email
address, mailing address, telephone number(s), account numbers, user name, and password. For
example, we may collect this information when you are banking online or applying for a new
program or account.
We may also collect certain information that does not reveal your specific identity or does not
directly relate to any individual. This may include information you provide such as your date of
birth or household income, or aggregated and de-identified data.
We may also collect certain information about your use of our Online Services. For instance, we
may collect the IP address of the device you use to connect to the Online Services, information
about the site you came from, and information about the parts of our Online Services you access.
collect and store information about your visit to, or use of, our Online Services (for more
information on these technologies, see Cookies and Other Tracking Technologies below).
In addition, we may associate usage and other information we collect from you with personal
information we have about you.
We measure visitors to our website using Google Analytics. This records what pages you view within our site, how you arrived at our site and some basic information about your computer. All of that information is anonymous – so we don’t know who you are; just that somebody visited our site.
The information we collect from analytics helps us understand what parts of our sites are doing well, how people arrive at our site and so on. Like most websites, we use this information to make our website better. You can learn more about Google Analytics or opt out if you wish.
2. How We Use the Information
We use the information we collect from you to provide services, manage our business, offer an
enhanced, personalized experience with our Online Services, among other services, products and
The information allows us to (among other things):
• Process applications and transactions;
• Respond to your requests and other communications;
• Verify your identity;
• Prevent fraud and enhance the security of your account;
• Recognize you when you return to our Online Services;
• Deliver advertising to you directly or on third party websites;
• Perform analytics concerning your use of our Online Services, including your
responses to our emails and the pages and advertisements you view;
• Evaluate and improve our business; and
• Comply with and enforce our policies, applicable legal requirements, industry
standards, and contractual obligations.
No method of sending information over the Internet or any method of electronic storage, is
completely secure. As such, we cannot and do not guarantee the security of your
information you share with us using our Online Services. We recommend that you do not use
unsecure channels to communicate sensitive or confidential information (such as your Social
Security number) to us.
We attempt to make our Online Services as secure as possible, so we use industry standard (or
better) security measures to protect the sensitive information under our control. This includes
limiting access to data and using a variety of information security measures, including encryption
technology, such as Transport Layer Security (TLS), to protect your personal sensitive information.
4. Linking to Third-Party Websites
We may provide links to websites that are owned or operated by other companies (“third-party
websites”). When you use a link to visit a third-party website, you will be subject to that
the linked third-party website before providing any information on that website.
Some 3rd parties like Facebook and Twitter may know you visited this website, if you use their services. We cannot control their use but we do not believe this knowledge poses any threat to you.
We never share your data with 3rd parties except to help us deliver our own services.
5. Cookies and Other Tracking Technologies
We and the companies we work with use technologies such as cookies, web beacons, and local
shared objects to collect and store information about your visit to, or use of, our Online Services.
Cookies are small amounts of data sent from a website and stored in a visitor’s web browser.
Cookies allow us to collect information such as browser type, time spent on our website, pages
visited, and your relationship with us. We and companies we work with may use the information
for security purposes, to facilitate navigation, to recognize your device to allow your use of our
Online Services, to display information more effectively, and to personalize your experience
with our Online Services. We may collect statistical information about use of our Online
Services in order to improve design and functionality, monitor responses to our advertising and
marketing, understand how our Online Services are used and resolve questions regarding our
Most web browsers allow you to adjust your browser settings to decline or delete cookies, but
doing so may degrade your experience with our Online Services. If you decline to accept
cookies, we will not be able to recognize your device and you will need to answer a challenge
question each time you log on. We may not be able to send you advertising or offers that are
relevant to your interests and needs.
Web beacons are objects embedded in a website or an email or other message that are typically
invisible and allow confirmation that a user has accessed content. We and companies we work
with may use web beacons or similar technologies to help recognize users of our Online
Services, measure the effectiveness of our communications and for marketing campaigns, to
compile statistics about usage and response rates, to personalize your experience with our Online
Services, for fraud detection and prevention, for advertising, and to assist with answering
questions regarding the use of our Online Services.
6. Online Advertising
We advertise online, both with our Online Services and on third-party websites. We may collect
information using cookies, IP addresses, and the other tracking technologies described in
Cookies and Other Tracking Technologies above to understand how our advertising is
performing, present tailored advertisements to you including prescreened offers of credit and
determine whether you might be interested in new products or services. The information we
collect may include, for example, the number of page visits, pages viewed on our website, search
engine referrals, browsing activities over time and across other websites following your visit to
our website, and responses to our advertisements and promotions.
We may utilize Online Behavioral Advertising (OBA), which refers to the practice of collecting
information from a computer or device regarding a visitor’s web browsing activities across
unaffiliated websites over time, in order to deliver advertisements that may be of interest to that
visitor based on the visitor’s browsing history.
7. Opting Out of Online Behavioral Advertising
If you prefer that we not use OBA to deliver targeted advertising to you, you can opt out of OBA
from certain advertisements on third-party websites the following way:
• Through the Digital Advertising Alliance’s Self-Regulatory Program for Online
Behavioral Advertising. Visit http://youradchoices.com and follow the
instructions provided there.
8. Protecting Children’s Privacy Online
Our Online Services are not directed to individuals under the age of thirteen (13), and we request
that these individuals do not provide personal information through our website. We do not
knowingly collect information from children under 13 without parental consent. Visit the
Federal Trade Commission website for more information about the Children’s Online Privacy
Protection Act (COPPA).
9. Making Sure Your Information is Accurate
It is very important to keep your account information up to date. If your account information is
incomplete, inaccurate or not current, please use the Contact Us option on our website or call or
write to us at 734-475-1355 or 1010 S Main St, Chelsea MI 48118
10. Changes to this Policy
We may change this Policy from time to time. When we do, we will let you know by
appropriate means such as by posting the revised Policy on this page, indicating when it was last
updated. Any changes to this Policy will become effective when posted unless otherwise
This Policy was last updated on, and is effective as of 02/23/2017.