Last updated May 6, 2022.
Macatawa Bank Online Privacy Statement
Introduction
At Macatawa Bank, we understand the importance of protecting your privacy and confidentiality. This Online Privacy Statement provides a summary of our online privacy practices, covering the online collection, use, and disclosure of information collected from visitors to our online services. This includes but is not limited to: www.macatawabank.com and the Macatawa Bank app. In addition, you may be subject to other contractual terms in accordance with products you select and their related service agreements. Our statement does not govern web sites of other parties to which we may provide links. If you choose to link to a web site not controlled by us, we recommend that you review the privacy and security policies of these companies.
Collecting Information
We may collect both "Customer Information" and "Aggregate Customer Information" from visitors to our online services. The term "Customer Information" means information that can identify or be traced back to a specific customer. The term "Aggregate Customer Information" is a compilation of information that does not identify a specific customer, such as date and time of visit, IP addresses, demographic information, web site pages visited, or the browser used. Customer information collected may include data such as name, address, email address, phone number, Social Security number, date of birth, driver's license, employer, and account data.
Online Banking App
To ensure that our customers receive the best service possible when using the Macatawa Bank app, some additional permissions may be required. Our app is intended for Macatawa Bank customers only.
- Our Online Banking app may allow access to the device’s camera to utilize Mobile Remote Deposit, with user’s permission.
- Our Online Banking app may allow access to the device’s location for maps purposes, with user’s permission.
- Our Online Banking app may allow access to the device’s files/media to utilize Secure Message Attachments, with user’s permission.
- Our Online Banking app may allow access to the device’s contacts to facilitate Person-to-Person payments/recipients list, with user’s permission.
Web Site Technology
In an effort to provide our customers the finest online experience, Macatawa Bank is constantly reviewing and incorporating the latest changes in internet technology. However, Macatawa Bank does not automatically collect personal information from visitors to its web sites. Various tools and techniques are used to gather and analyze web site visits and sessions. When you use our Online Services, we may use “cookies” or other unique identifiers to monitor your experience. Cookies are electronic files recorded by your browser that keep track of your preferences on your device during your web site visits. We use cookies to record information on customer visits and use of our web site in order to administer and improve our site. We do not use cookies to store or transmit any personal identifying information. Temporary "session" cookies are also utilized to facilitate customer navigation within our site during each visit. Session cookies are deleted once you close your Internet browser. We may also use "persistent" cookies that are retained on your device after your visit ends (until you delete them manually or your browser deletes them based on the duration period contained within the persistent cookie’s file) so we can identity your preferences and enhance your next visit to our web site. In addition, cookies help us monitor Internet traffic from third-party web sites to our own as well as the most frequently used areas of our web sites or for reviewing the duration of the visit. We may provide this type of Aggregate Information to non-affiliated application service providers that compile statistical data or other information for us. This feedback and analysis allows us to continually update our web site. At your discretion, you can block cookies by changing the settings on your Internet browser or through the use of software programs specifically designed to block cookies. You should be aware that by blocking cookies or using certain security software settings that these actions may prevent you from logging onto your accounts or limit your online activities.
In addition to cookies, we may also use other technology such as "pixel tags," "clear GIFs" or similar tools. A Pixel Tag is an electronic image, often a single-pixel (1x1), which is ordinarily not visible to visitors and may be used with cookies. Clear GIF (Graphics Interchange Format) is a type of picture file used on the internet with certain special characteristics which make it more useful than JPEG or other picture file formats in certain circumstances. Their use is common because they are invisible and very small, so they do not affect the download speed of a web page. These tools can be used to collect data, like cookies, regarding your operating system, browser, screen resolution and other technical information, as well as navigation and session information. This information is anonymous and does not include identifiable customer or personal information. Again, this data is used to continually improve our site and your visits.
Customer Information
We use information provided by customers and visitors accessing our online services (such as applying for a product or service, opening accounts, requesting information, assisting in completing transactions, or for employment inquiries and applications) while staying in line with our disclosures and agreements. We may aggregate individual visitor or customer information for further analysis.
We may disclose customer and visitor information, as permitted by law, and: (1) consistent with our privacy notices and other account disclosures; (2) to comply with applicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with legal processes; (5) for security purposes and to protect our customers, online services, brand, or other Macatawa Bank legal interests.
Email
Unless explicitly stated, email is not secure. We recommend that you do not send any confidential information through email. If you send email to us, we may retain the contents of your email message, your email address, and our response. Under various Federal and State laws and regulations, customers and visitors may choose not to receive promotional emails or electronic newsletters from us by following the "unsubscribe" or "remove" instructions in the specific email from which they wish to opt-out. Even if you opt-out of receiving promotional emails from us, you may still receive transactional messages regarding your account.
Children's Online Privacy Protection Act Information
This website is not directed to children under age 13. We do not market to children, nor do we knowingly collect or retain personally identifiable information from children. If you are under 13, please do not enter your personal information. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission web site.
Security Practices
We continually review our security safeguards in order to protect customer and visitor information that we gather, transmit, and store in connection with our online services (e.g. opening an account, applying for a loan, etc.). We will never ask for personal identifiable information or login/password information in an email. Also, never click on an unverified link in an email. Many scams and threats arise within online environments. It is important to continually educate yourself on the latest events and keep your device, operating system and software up-to-date.
Online Planning Tools
We make a number of planning tools, such as mortgage and savings calculators available to help you manage your financial plans. We do not currently store information that you enter into one of these planning tools or calculators. We do not represent the accuracy and use of these tools and you should independently verify the results.
Free Advice
Information on this site is gathered from what we believe are reliable sources, they are methods and tools to help you manage your finances. It is not guaranteed to be accurate, does not purport to be complete, and is not intended to be used as a sole basis for financial or investment decisions. Macatawa Bank does not offer legal or tax advice. Please consult the appropriate professional regarding your own individual circumstances.
Notice to California Residents
The following section applies to California residents.
Shine the Light. Under California’s “Shine the Light” law, you have the right to ask us once a year if we have shared your personal information with third parties for direct marketing purposes.
To make a request click here, email us at
connect@macatawabank.com or call us at (877) 820-2265 and specify you are making a Shine the Light request.
California Consumer Privacy Act (“CCPA”). The CCPA creates consumer privacy rights and requires businesses to make disclosures about their privacy policies and practices. Pursuant to the CCPA, both our privacy practices and your privacy rights are discussed in detail in the following information.
Personal Information We Collect. We collect your personal information when you interact with our Site or otherwise communicate with us. For the purposes of this Privacy Notice, “personal information” means information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device.
We have collected the following categories of personal information covered by the CCPA from consumers within the past 12 months, and have used it for the following business purposes:
Category of Personal Information Collected and the Business Purpose of Collection
Identifiers, including name, email address, telephone numbers, postal address, and Internet Protocol (IP) address
To market and provide our services to you and to communicate with you. In addition, we collect your IP address to provide you more relevant content, track Site visits, optimize your Site experience, and protect the Site. Finally, we may collect identifiers if you are applying for a job with us as part of our employment application process.
Characteristics of protected classifications under California or federal law, including age or date of birth, race, color, national origin, physical disabilities, mental disabilities, medical condition, gender, gender identity, gender expression, sexual orientation, military or veteran status, and criminal conviction history
If you choose to disclose this information, we collect it as part of our employment application process.
Education information
If you choose to disclose this information, we collect it as part of our employment application process.
Occupation, professional, or employment-related information
To market and provide our services to you and to communicate with you. In addition, if you choose to disclose this information, we collect it as part of our employment application process.
Financial information, including payment history; information relating to the individual’s creditworthiness
Note that information collected in this category is generally subject to the Gramm-Leach-Bliley Act, and is addressed separately here rather than this Privacy Policy.
Biometric information
We collect fingerprints if a non-customer wishes to cash a check with us. We also collect this information for new hire background checks.
Internet or other electronic network activity information, including browsing history, search history, and information regarding an individual's interaction with an internet Web site, application or advertisement
To market and provide our services to you and to communicate with you. To provide you more relevant content, track Site visits, optimize your Site experience, and protect the Site.
Geolocation Data
To support website functionality and identify traffic patterns. To identify product availability.
Audio and visual information
For quality and training purposes. For Bank security purposes.
Any inferences drawn from the information identified above to create a profile about an individual reflecting the individual’s preferences
We make inferences about the products and services that may interest you based on your browsing activity.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible business purposes without providing you notice.
Sharing Your Information. We do not sell your personal information. However, we disclose the following categories of personal information covered by the CCPA for a business purpose:
Category of Personal Information Disclosed and Category of Third Parties with Whom Information Is Disclosed for our Business Purposes
Identifiers
Service providers, including our website service providers, email marketing automation and data analytics providers
Biometric Information
Service providers for new-hire background checks
Internet or other electronic network activity information and Geolocation Data
Service Providers, including our data analytics providers, email marketing automation and marketing service providers
Please note that we may collect, use and share additional personal information about you that is governed by laws other than the CCPA, such as the Gramm-Leach-Bliley Act, and that our activities related to such personal information are not disclosed here.
Click here to return to the top of the page and then download the Consumer Privacy Policy to learn more about our privacy practices related to such personal information.
Source of Personal Information. To read a more detailed disclosure of the personal information we collect, see the section entitled “Consumer Information” above. More broadly, we obtain the categories of personal information that are listed above in the following ways:
Directly from You. We collect the following categories of personal information directly from you: identifiers, protected information, educational information, occupational/professional information, and biometric information. We collect this information when you:
- Provide your contact information to us.
- Submit a request to us.
- Apply for a job with us.
- Participate in one of our contests or surveys.
- Sign up to receive promotional emails or text messages.
- Interact with our social media pages.
Passively. We collect IP addresses, internet and other electronic activity information, and geolocation data from you when you:
- Install and use our mobile application.
- Visit and navigate our Site on any device.
- Click on sponsored links or third-party advertisements.
- Receive or interact with our communications and website that may contain cookies.
From Third Parties. We may receive internet or other electronic network activity information about you from other sources. For example, we get information from:
- Our business partners, including online advertising networks.
- Social media platforms.
- Data analytic providers.
- Website service providers.
- Email marketing and automation.
- When you use Financial Tools in our Online Banking platform, you may choose to aggregate some of your financial information from other institutions into our platform so you can see your entire financial picture at a glance. We may present advertisements to you based off the financial information that you choose to connect.
Your Rights. The CCPA gives you certain rights regarding your personal information:
- Right to Know. You may request no more than twice in a 12-month period that we provide you with copies of specific personal information we have collected, sold, or disclosed about you. However, under California law, we cannot provide you with certain sensitive information, despite your request (for example, we will not send you copies of your social security number even if it is something we collected).
- Right to Delete. You may request that we delete certain personal information we have collected about you, with certain exceptions.
Exercising Your Rights. To exercise your rights above, please submit a request to us by clicking here, by emailing us at connect@macatawabank.com or by calling us at (877) 820-2265. Please describe your request with sufficient detail so we can properly respond to your request. As part of your request, please specify which right you are exercising and be prepared to provide your name and contact information. We may ask for additional information to verify your identity. The information you provide in your request and any follow up information we ask for from you will be used solely to verify your request.
After receiving your request, we may need to contact you for further information and will notify you if your request has been granted or declined, or if an exception applies to your request.
Only you or an individual designated as your authorized agent to act on your behalf may make a request related to your personal information. You may also make a request on behalf of your minor child.
We may not discriminate against you if you choose to exercise your rights.
Responding to Your Rights Request. We will try to respond to your request within 45 days. If we need more time, we will contact you with the reason we need more time and the extension period. We will deliver our written response by mail or electronically, at your option. In response to your request to know, we will only disclose the information we have collected in the 12 months prior to our receipt of your request. Our response will also explain the reasons we cannot comply with any request, if applicable.
We do not charge a fee to process or respond to your request unless your request is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate prior to completing your request.
How to Contact Us
If you have any questions or concerns about our collection, use or disclosure of your personal information, please contact us using the contact form provided. Alternatively, you may call us at: (877) 820-2265.
Policy Changes
We reserve the right to change or amend this Online Privacy Statement at any time. Changes will be effective as of posting to the web site.