Privacy and Security

Privacy Statement – Rev. 09/2017

FACTS WHAT DOES 1st STATE BANK 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
  • Income and account balances
  • Credit history and payment history
  • Assets

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 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 we choose to share; and whether you can limit this sharing
Reasons we can share your personal information Does 1st State Bank 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 We Don’t Share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No We Don’t Share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We Don’t Share
For affiliates to market to you No We Don’t Share
For non–affiliates to market to you No We Don’t Share
Questions? Call 989.799.7500 or go to 1stStateBk.com
Who we are
 
Who is providing this notice? 1st State Bank
What we do
 
How does 1st State Bank protect my personal information? To protect information 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 1st State Bank collect my personal information? We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Use your debit or credit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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 non-affiliates 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.

  • 1st State Bank has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • 1st State Bank does not share information with non-affiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • 1st State Bank does not jointly market
Other Important Information

State Law – You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices.

 

Terms and Conditions

 

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.

 

BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL.THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.

 

IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE OR PAGES WITHIN

 

Use of Website. Information, names, images, documents and materials (collectively, the “Contents”) included in  www.1ststatebk.com (the “Website”) are solely for the personal use of Website users. The works of authorship contained in the Website are owned, except as otherwise expressly stated, by 1st State Bank. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of 1st State Bank, which may be withheld in its sole discretion. You also agree that you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with 1st State Bank and in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or their identifying information to authorized individuals.

 

No Warranties. Although 1st State Bank and third party data providers attempt to provide accurate Contents on the Website, it makes no representation, endorsement or warranty that such Contents are accurate or suitable for any particular purpose. BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE IS PROVIDED “AS IS”. 1st STATE BANK AND THIRD PARTY PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. 1ST STATE BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATABILITY BETWEEN THE WEBSITE AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND 1ST STATE BANK’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

 

UNDER NO CIRCUMSTANCES WILL 1ST STATE BANK BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEROF, REGARDLESS OF

WHETHER 1ST STATE BANK HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURING.

 

Links to Other Sites. 1st State Bank may establish links between this Website and one or more Websites operated by third parties. 1st State Bank has no control over the content on any other Websites. The existence of any such links shall not constitute an endorsement by 1st State Bank of such Websites, the contents of such Websites, or the operators of the Websites. If you choose to link to a Website not controlled by 1st State Bank, 1st State Bank makes no warranties, either express or implied, concerning the content of such sites.

 

Tools & Calculators. This Website may contain tools and calculators. 1st State Bank provides tools and calculators as a service to users, for educational purposes only. 1st State Bank does not guarantee the accuracy of the calculators or the results. 1st State Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

 

Transmissions to and from this Website. Except where expressly indicated otherwise, transmissions to and from this Website or directed to 1st State Bank, including e-mails, are not sent in a secure form and can be intercepted by third parties. Please do not use e-mail to send us communication which contains confidential information. Any transmission to this website, including e-mails shall be deemed and remain the property of 1st State Bank. 1st State Bank shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user to 1st State Bank through this Website.

 

Enforceability and Governing Law. To the extent any portion of these Terms and Conditions is determined to be unenforceable, such portion will be modified to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions as so modified shall remain in full force and effect. These Terms and Conditions shall be subject to any other agreements you have entered into with 1st State Bank. The user’s access to and use of the Website and the terms of this disclaimer are governed by the laws of the State of Michigan.