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Privacy Policy
First National Bank in Howell and its affiliate companies (collectively referenced as "FNBH") are sensitive to our customers' concern about their personal privacy. We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for our corporate family.
Who This Notice Applies To
This notice applies to individuals (and their legal representatives) who obtain from us financial products or services that are to be used primarily for personal, family, or household purposes.
Use, Collection and Retention of Customer Information
We collect nonpublic, personal information about you from the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us, our affiliates and others; and
- Information we receive from a consumer-reporting agency.
We collect and retain information about you only for specific business purposes. We use the information:
- To protect and administer your records, accounts, and funds;
- To comply with certain laws and regulations;
- To help us design and improve our products and services; and
- To understand your financial needs and to assist us in designing and improving our products and services in order to provide you with the best quality products and services.
Information Sharing Within the FNBH Family and Your Opportunity to "Opt Out"
FNBH may share the non-public personal information, as described above, that we collect about you among our affiliated companies that provide financial services, such as our bank holding company, as well as, companies that may become a part of our family in the future.
We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with our affiliated companies.
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" within the FNBH family. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications, such as your income or marital status;
- From a credit report, such as your credit history; and
- From sources used to verify representations made by you, such as your open lines of credit or employment history.
If you prefer that we not share non-experience information about you within the FNBH family of companies, you may opt out; that is, you may direct us not to share this information by calling us at 1-517-545-2238 or 1-800-975-3170.
If you choose to opt out of the sharing of this information within the FNBH family, we will not share non-experience information about you for any accounts or loans that you may have with us. For any accounts or loans that you hold jointly with another person, each person may separately opt out and joint account holders may opt out for each other. If only one joint account holder opts out, we may share information about the other joint account holders.
Information Sharing Outside the FNBH Family
In general we will not reveal any account information or other personally identifiable data to parties outside our affiliated companies unless:
- The customer requests or permits it;
- The information is provided to help complete a transaction initiated by the customer; or
- The disclosure is otherwise lawfully permitted or required.
We may disclose information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may disclose nonpublic personal information about you such as:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income; and
- Information about your transactions with us, our affiliates or others, such as your account balance, payment history, and parties to the transaction.
You do not have the right to opt-out of disclosure of this information.
Former Customers
If you decide to close your account(s) or become an inactive customer, we will still adhere to FNBH's Privacy Policy to protect your nonpublic personal information.
Maintenance of Accurate Information
FNBH has established procedures to ensure that your financial information is accurate, current and complete in keeping with reasonable commercial standards. If you ever notice that your information is not accurate, current or complete please contact us at (517) 545-2238. We will investigate your concerns and correct any inaccuracies in a timely manner.
Customer Account Security Procedures
FNBH has established procedures to safeguard customer information. We restrict access to your personal and account information about you to those employees who need to know that information to provide products and services to you. Employees are educated on the importance of maintaining the confidentiality of customer information and on this Privacy Policy.
FNBH maintains physical, electronic and procedural safeguards that comply with federal standards to protect your nonpublic personal information about you.
We use proven technology and established procedures for keeping information about you secure. Whenever we ask for personal information on our Website or Internet Banking, we use Secure Socket Layer (SSL technology) to keep it confidential.
You may visit our Website at www.fnbh.com to find out about products and services, marketing information, and other opportunities without providing any information about yourself. We may gather data regarding visits to our Website, including domain name, pages visited, length of user session, etc., to evaluate the usefulness of our site.
The Bank may use a software "cookie" when you access our Website. No "cookie" will contain any information that would enable anyone to contact you via telephone, email, or U.S. Mail. (A "cookie" is a small piece of information that a Website stores in the web browser of your computer and can later retrieve. A "cookie" cannot be read by a Website other than the one that set the "cookie").
Maintaining Privacy in Business Relationships with Third Parties
When our Corporate Family conducts business with third parties, we require our vendors and suppliers to maintain a similar standard of conduct regarding the privacy of personally identifiable customer information provided to them.
Providing Privacy Information to Customers and Responding to Inquires
Customers who have questions about this Privacy Notice or have a question or complaint about the privacy of their nonpublic personal information should call us at 1-517-545-2238 or 1-800-975-3170. Thank you.
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