Privacy & Security
Privacy & security
CONSUMER PRIVACY POLICY
Through our everyday operations, West Michigan Community Bank compiles and maintains confidential information on our customers. It is the policy of West Michigan Community Bank to protect the privacy of this information by maintaining physical, electronic and procedural safeguards that comply with federal standards.
West Michigan Community Bank takes your privacy very seriously. Please read the following to learn more about our Privacy Policy. This policy details how West Michigan Community Bank receives, collects and uses information in connection with our website located at wmcb.com.
The Privacy Policy can be viewed with Adobe Acrobat Reader.
View West Michigan Community Bank's Consumer Privacy Policy (PDF).
West Michigan Community Bank Online Privacy Statement
Introduction
At West Michigan Community 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: wmcb.com and the West Michigan Community 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 West Michigan Community Bank app, some additional permissions may be required. Our app is intended for West Michigan Community 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.
Online Banking App
In an effort to provide our customers the finest online experience, West Michigan Community Bank is constantly reviewing and incorporating the latest changes in internet technology. However, West Michigan Community 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 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 allow us to continually update our web site. At your discretion, you can block cookies by changing the settings on your Internet browser or using 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 West Michigan Community Bank legal interests.
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 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 several 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. West Michigan Community Bank does not offer legal or tax advice. Please consult the appropriate professional regarding your own individual circumstances.
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: 800.664.1778.
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.
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