Terms of Use, Conditions, and Privacy Policy

Mercantile Bank Website Terms of Use

"Mercantile Bank" and its affiliates, logos, as well as all page headers and icons are trademarks of Mercantile Bank and its affiliates and subsidiaries. The display of these trademarks does not imply that a license of any kind has been granted to the reader. Any downloading, re-transmission, other copying or modifications or use of the trademarks and other information and material contained in the mercbank.com site may be a violation of federal trademark and copyright laws.

Regulatory

Mercantile Bank is a Member FDIC.

Mercantile Bank is an Equal Opportunity Lender.

Non-deposit investment products are NOT FDIC insured; are not deposits or obligations of, or guaranteed by Mercantile Bank or any of its affiliates; and involve risk, including the possible loss of principal.

Terms of Use

Please read these terms of use carefully. By accessing this website or using the services, you agree to be bound by these terms of use. If you do not agree with these terms of use or our privacy policies please do not access this website.

This website, mobile site or mobile application (Site or Sites) is controlled by Mercantile Bank. This Site provides information regarding products and services offered by Mercantile Bank as well as the ability to open eligible accounts. The Terms of Use describe the terms and conditions that govern your use of the Site, including services made a part of the Site or available through the Site and any of its web pages and/or mobile applications. You and Your refer to any person who accesses or uses the Site or services.

The information provided in this Site has been provided by various sources and is intended to be current and accurate, however we cannot and do not (unless required by law) warrant or guarantee it as such. The information presented on or through the Site is made available solely for general information purposes. The information provided does not constitute legal or accounting advice or counsel. YOU AGREE THAT NO CLIENT, ADVISORY, FIDUCIARY OR PROFESSIONAL RELATIONSHIP IS CREATED, IMPLIED OR ESTABLISHED BETWEEN YOU AND MERCANTILE BANK AND THAT YOU AGREE AND UNDERSTAND THAT NO PERSON OR ENTITY IS, IN CONNECTION WITH THE SITE, ENGAGED IN RENDERING AUDITING, ACCOUNTING, INVESTMENT, SECURITIES, TAX, LEGAL ADVICE OR CONSULTING OPINIONS AND THAT YOU WILL CONSULT APPROPRIATE LICENSED PROFESSIONALS FOR OPINIONS AND ADVICE RELATING TO THE SPECIFIC FACTS, LAWS AND ROLES WHICH MAY APPLY IN YOUR SPECIFIC CASE.

We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents. The foregoing notwithstanding, your relationship with Mercantile Bank may include certain Services wherein Mercantile Bank provides financial advice or counsel and which Services are governed and controlled by additional terms, conditions, and agreements. Nothing contained in these pages is intended to constitute an offer to buy or sell any products or services by Mercantile Bank, its affiliates, or subsidiaries. Not all products and services are available in all states where Mercantile Bank, its subsidiaries, or affiliates conduct business. Unless otherwise stated in these pages, applications for loans, credit cards, or other credit products may be obtained from Mercantile Bank.

By accessing the Site, you agree that:

• Your use of the Site is subject to and governed by these Terms;

• You will only access or use the Site and transact business with us if you are at least 13 years of age);

• You will use the Site solely for its Services offered in the normal course of business;

• You will always act in accordance with the law and custom, and in good faith;

• You will comply with and be bound by these Terms as they appear on the Site each time you access and use the Site;

• Each use of the Site by you indicates and confirms your agreement to be bound by these Terms; and

• These Terms are a legally binding agreement between you and us that will be enforceable against you.

You further agree to not use the Site in any way that:

• Changes or alters the Site or content or Services that may appear on the Site;

• Impairs in any way the integrity or operation of the Site;

• Interferes with or induces a breach of the contractual relationships between us and our employees;

• Is in any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;

• Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email and commercial communications;

• Transmits any harmful or disabling computer codes or viruses;

• Harvests email addresses, personally identifiable information, or other non-public consumer information from the Site;

• Transmits unsolicited email to the Site or to anyone whose email address includes the domain name of the Site;

• Interferes with our network services;

• Attempts to gain unauthorized access to our network services;

• Suggests an express or implied affiliation or relationship with us without our express written permission;

• Impairs or limits our ability to operate the Site or any other person’s ability to access and use the Site;

• Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;

• Transmits or uploads violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;

• Dilutes or depreciates our or any of our affiliates’ name and reputation;

• Transmits or uploads content or images that infringe upon any third party’s intellectual property rights or right to privacy; or

• Unlawfully transmits or uploads any confidential, proprietary or trade secret information.

Mercantile Bank has no obligation, but maintains the right, to monitor the Site. This list of prohibited activities provides examples and is not complete or exclusive. We reserve the right to terminate access to your account and your ability to use this Site with or without cause and with or without notice, for any reason or no reason, or for any action that we determine is inappropriate or disruptive to this Site or to any other user of this Site. We may report to law enforcement authorities any actions that may be illegal, and any reports it receives of such conduct. When legally required or at our discretion, we will cooperate with law enforcement agencies in any investigation of alleged illegal activity on this Site or on the Internet, which may include disclosing any information we obtain. In addition, we may disclose information we obtain as necessary or appropriate to operate or improve the Site, to protect Mercantile Bank and/or our Site users, or for any other purpose that the law permits.

Mercantile Bank will not be liable if, for any reason, all or any part of the Site is unavailable at any time or for any period. From time to time, in our sole discretion and without notice, we may restrict access to some parts of the Site, or the entire Site, to users, including registered users.

You are responsible for both:

• Making all arrangements necessary for you to have access to the Site.

• Ensuring that all persons who access the Site through your internet connection are aware of these terms and comply with them.

Mercantile Bank reserves the right to modify these Terms of Use at any time without notice. We will incorporate changes into the Terms of Use posted on this Site from time to time. If you do not agree with these Terms of Use, please do not access this Site. Mercantile Bank reserves the right to modify or terminate services offered by the Site or to terminate your access to the Site at any time.

Use of Website, Information and Materials

The information and materials contained within this Site are provided for informational purposes only. Except as expressly provided within the Site, the information does not constitute a contract with you or amend or alter any contract we have with you. Products and services that appear on this Site are subject to change without notice.

You acknowledge that Mercantile Bank may disclose and transfer information you provide through this Site to its subsidiaries and affiliates, service providers, and to third parties if we have a duty to disclose or are compelled to disclose such information by law.

You may be eligible to open certain account types through this Site. Your eligibility for particular products or services described in this Site is subject to final review and determination by Mercantile Bank. If you open accounts through this Site, you acknowledge that Mercantile Bank may use information you provide to fulfill your request in accordance with other policies and applicable law, including our Privacy Notices.

You may execute terms and conditions for services, features and products offered through the Site. By using the Site and/or any services, you consent to receiving electronic communications, including electronic notices, from us. These electronic communications may include notices about applicable fees and charges, transactional information and other information concerning or related to the Site. These electronic communications are part of your relationship with us. You agree that any notices, agreements, disclosures or other communications that we send you electronically will satisfy any legal communication requirements, including that such communications be in writing. To the extent you have enrolled in certain services in which you have consented to the use of electronic records and signatures, such ESIGN agreement will govern.

Unauthorized use of this Site and related systems, including but not limited to, unauthorized entry into Mercantile Bank’s systems, misuse of passwords, posting of objectionable or offensive content or your unauthorized use of legally protected third party content, or misuse of any information within this Site is strictly prohibited. You agree that you will not engage in any activities related to the Site that are contrary to applicable law, regulation or terms of any agreement you have with Mercantile Bank.

Chat Service

Mercantile Bank provides a web‑ and app‑based Chat Service (Let’s Chat) that uses an automated virtual assistant to collect basic information (such as your full name), so your inquiry can be routed to an appropriate banker. The Chat Service is provided as a convenience to you and Mercantile Bank makes no warranty that Chat service will be available at any particular time or be free of fault or error. By using the Chat Service (Let’s Chat), you acknowledge and agree that your messages, attachments, and any personal information you choose to provide may be monitored, recorded, and retained to operate the service, fulfill your request, maintain security, comply with law, and improve service quality. Let's Chat is not a secure channel for transmitting sensitive information, and you must not enter passwords, account numbers, debit or credit card numbers, PINs, one‑time passcodes, or any non-public information. Automated responses may be used for intake and guidance, but they do not constitute financial, legal, or account‑specific advice. Certain requests may require identity verification or redirection to secure banking channels. The Bank may use contracted service providers, including Agent IQ, to support the Chat Service under strict confidentiality and data‑protection requirements, and such providers may process chat data solely on the Bank’s behalf. Use of the Chat Service signifies your consent to these terms and to the processing of your information as described in the Bank’s Terms of Use, Conditions, and Privacy Policy. To learn more about how AgentIQ handles data as our processor, please see their Privacy Policy: https://agentiq.com/privacy-policy.

Privacy.

Your use of this Site is subject to applicable privacy -related policies and notices of Mercantile Bank, including the Mercantile Bank Online Privacy Policy and Mercantile Bank Privacy Policy, which you may access below. To the extent permitted by applicable law, by accessing our using the Site and services, you understand and agree that Mercantile may collect and retain personal information or other information about you or the device you use to access the Site.

Third Party Links

This Site may contain links to websites controlled or offered by third parties. Mercantile disclaims liability of any information, materials, products or services posted or offered at any third-party websites linked to this Site. The third-party party links presented on this Site are provided for convenience only. The inclusion of any link on this Site does not imply any recommendation, approval or endorsement of the linked website by Mercantile.

Disclaimer of Warranties

Your use of this Site is at your own risk. The information has not been verified or authenticated in whole or in part by us, and they may include inaccuracies or typographical or other errors. Unless required by law or our other terms, conditions, and agreements with you, we do not warrant the accuracy or timeliness of the information contained on this Site. We have no liability for any errors or omissions in the information, whether provided by us, our licensors or suppliers or other users.

TO THE FULLEST EXTENT PROVIDED BY LAW AND EXCEPT AS OTHERWISE PROVIDED HEREIN OR ON THE SITE, THE INFORMATION AND SERVICES OFFERED ON OR THROUGH THE SITE AND ANY REFERENCED THIRD-PARTY SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ANY THIRD-PARTY GOODS OR SERVICES PROVIDED ARE SUPPLIED AS A CONVENIENCE TO YOU AND DO NOT CONSTITUTE SPONSORSHIP, AFFILIATION, PARTNERSHIP, OR ENDORSEMENT. TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE FULLEST EXTENT ALLOWED BY LAW, WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE, THE MATERIALS, ANY CONTENT, OR OTHER POSTED INFORMATION ON THE SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

BY PROVIDING THE SERVICES ON THE SITE, WE DO NOT IN ANY WAY PROMISE THAT THE SERVICES WILL REMAIN AVAILABLE TO YOU. WE ARE ENTITLED TO TERMINATE ALL OR PART OF ANY OF THE SITE AT ANY TIME, IN OUR SOLE DISCRETION WITHOUT NOTICE TO YOU.

Limitation of Liability

WE CANNOT GUARANTEE THE SITE WILL BE AVAILABLE ONE HUNDRED PERCENT (100%) OF THE TIME BECAUSE PUBLIC NETWORKS, SUCH AS INTERNET, OCCASIONALLY EXPERIENCE DISRUPTIONS. ALTHOUGH WE STRIVE TO PROVIDE THE MOST RELIABLE WEBSITE REASONABLY POSSIBLE, INTERRUPTIONS AND DELAYS IN ACCESSING THE SITE ARE UNAVOIDABLE AND WE DISCLAIM ANY LIABILITY FOR DAMAGES RESULTING FROM SUCH PROBLEMS.

To the fullest extent provided by Law, in no event will Mercantile Bank, or its successors, service providers, employees, agents, officers, or Directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, this Site, or any websites linked to the Site, any content on the Site or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

Indemnification

You are to defend, indemnify and hold harmless Mercantile Bank (and all its direct and indirect subsidiaries) and each of the respective directors, officers, employees, agents, successors, and assigns from all losses, liabilities, damages, claims and expenses, including attorneys’ fees arising out of, relating to, or resulting (directly or indirectly) from your violation of these Terms of Use or misuse of the Service or the Site, including such violation or misuses conducted by your employee or agent.

Waiver and Severability

Failure of Mercantile Bank to enforce any provision of these Terms of Use is not a waiver of such provision. If any provision of these Terms of Use is deemed by a court to be unenforceable, any other provision of these Terms of Use shall remain in full force and effect, and the enforceable provision shall be replaced by such enforceable provision as comes closest to the intention underlying the unenforceable provision.

Amendments, Modifications

Mercantile Bank reserves the right to change, modify, add, or remove any portion of these Terms of Use in whole or in part, at any time, by posting the amended terms on the Site. Your continued use of the Site after any changes to these Terms of Use are posted will be considered acceptance of those changes. These Terms of Use may not otherwise be amended.

Governing Law

By accessing this Site, you agree that all matters relating to your use of this Site and any information or materials available through this Site shall be governed by the statutes and law of the State of Michigan, without regard to any principles of conflicts of laws.

Entire Agreement

These Terms of Use govern your access to this Site. You may be subject to additional terms and conditions for online and/or mobile account access, as well as terms that govern products and features available thorough additional Sites. In the event of a conflict with these Terms of Use, the terms and conditions governing online and/or mobile account access or products and features will control.

Copyright Notices

Content in the pages, in the screens displaying the pages and in the information, materials, and other content contained within this Site is owned by Mercantile Bank unless otherwise indicated, and is protected by the United States and international copyright laws and treaties. The information, materials, and other content contained within this Site may not be modified, copied, reproduced, republished, uploaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, without the express written consent of Mercantile Bank.

Trademark Notices

All other names, logos, and service names, designs and slogans displayed on this Site are the service marks or trademarks of their respective owners. You are prohibited form using any such service marks and trademarks without the express written consent of Mercantile Bank or such third parties which may own the service marks and trademarks.

Mercantile Bank Privacy Policy

Internet Privacy

At Mercantile Bank, we take protecting your online privacy and confidentiality very seriously. Here is an overview of our online privacy practices, covering the online collection, use and disclosure of information collected from visitors to our websites and mobile applications, including but not limited to www.MercBank.com, Mercantile Bank’s Digital Banking applications, via email or social media accounts that Mercantile Bank owns and controls, herein referred to as “Websites.” In addition, you may be subject to other contractual terms in accordance with products you select and their related service agreements.

The Information We Collect

We may collect both “Customer Information” and “Aggregate Customer Information” from visitors to our Websites. The term “Customer Information” means information that can identify a specific customer or be identified 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, website pages visited, or the browser used.

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with performance, security, and diagnostics. For your convenience, you may be asked to grant permission for access to:

• Geolocation Data – Allows access to location for services that are dependent on your device’s location (such as the location of an ATM).

• Camera – Allows access to the device’s camera for mobile deposit.

• Files/Media – Allows access to files/media on the device when communicating with us through secure message attachments.

• Contacts – Allows access to contacts on the device for Person to Person Payments.

• Audio – Allows access to the device’s microphone to chat with us.

• Phone State – Allows access to information about your phone for security purposes.

Your Customer Information

Customer information collected may include data such as name, address, email address, phone number, Social Security number, date of birth, driver’s license, employer, account data and other credit verification information.
We collect Aggregate Customer Information for a variety of purposes, including using it to enhance your online customer experience. For example, collection of Aggregate Customer Information enables us to gather and store information such as domain and browser information. This information allows us to measure traffic on various sections of our Website, monitor performance, and respond to customer needs. We may share “Aggregate Customer Information” with selected third parties, such as tracking product promotions, but this information will never identify you individually as a customer or include your personal identifying information.
We do not share any mobile opt-in data provided by our customers with third-party organizations.

Consumer Privacy Notice

Consumer Privacy Notice

Technology We Use on Our Websites

Various tools are used to gather and analyze website visits and sessions to help make your online experience better.

One of the ways we gather information about customer visits is through cookies. Cookies are electronic files recorded by your browser that retain information about your Website visits on your computer’s hard drive. We use cookies to record information on customers’ visits and use of our Website in order to administer and improve our Website. We do not use cookies to store or transmit any personal identifying information. Temporary “session” cookies are also used to facilitate customer navigation within our Site during their visit. “Session” cookies are deleted once you close your Internet browser.

We may also use “persistent” cookies that are retained on your computer after your visit ends so we can identity your preferences and enhance your next visit to our Website. In addition, cookies help us manage and monitor Internet traffic from third-party websites to ours as well as which areas of our Website are used most often and for how long. We may provide this type of Aggregate Information to non-affiliated application service providers that compile statistical or other information for us. This feedback and analysis allows us to continually update our Website. 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.

Clear GIFs or pixel tags—typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications such as email or other marketing messages. They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement. This information is anonymous and does not include identifiable customer or personal information. Again, this data is used to continually improve our Website and your visits.

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Heat Mapping and Session Recording

Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Some of these services may record sessions and make them available for later visual playback.

Online Advertising

You may see advertisements when you use some of our online services. These advertisements may be for our own products or services. Which advertisements you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of banking activity). To that end, where permitted by applicable law, we may share with others the information we collect from and about you. We will not be sharing information other than to conduct our business.

Online behavioral advertising (also known as “OBA” or “interest-based advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies we work with may set cookies and use related tracking technologies, such as the clear GIFs discussed above, throughout our online services or in our communications to support these OBA efforts. If you do not want your information collected and used by the companies we work with for OBA purposes, you can opt out of this form of OBA by following the instructions in the next section.

Opting Out of “Online Behavioral Advertising” (OBA)

There are two (2) ways that you can opt out of OBA from certain ads on third-party websites. One way is through the cross-industry Self-Regulatory Program for Online Behavioral Advertising (Opens Overlay) managed by the Digital Advertising Alliance (DAA). To opt out of OBA, please click on the following link and follow the instructions: http://youradchoices.com. Another way to opt out of OBA is by clicking on the Advertising Options Icon featured on certain Mercantile Bank ads on third-party websites. When clicked it (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. If you choose to opt out, our service provider will communicate your opt out election to the relevant third-party advertising partners and a cookie will be placed on your browser indicating your decision to opt out

Bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information for OBA purposes, you will need to opt out of OBA from each browser on each of the computers and devices that you use. Please note that even if you opt out of OBA, you may still receive advertisements from us; they just won’t be customized based on your web-browsing activities on third-party websites.

Use of Customer Information

We use information provided by Website visitors consistent with their actions (such as applying for a product or service, opening accounts, requesting information, assisting in completing transactions, or for employment inquiries and applications) and with other disclosures and agreements on our Website. We may aggregate individual visitor or customer information for further analysis.

Disclosure of Customer Information

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, Website, brand, or other Mercantile Bank legal interests.

Children’s Online Privacy Protection Act Information

Our website and mobile applications are not directed towards children, and we do not knowingly collect information or market to children under the age of 13.

USA PATRIOT Act:

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account.

What this means to you: When you open an account, we will ask for your name, physical address, date of birth, tax payer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will let you know if additional information is required.

Notice to International Users:

The Sites and bank products and services are offered and hosted in the United States and subject to U.S. law, and are intended for users located only in the U.S. If you are accessing the Sites or bank products and services from outside the United States, please be advised that U.S. law may not offer the same privacy protections as the laws of your jurisdiction. By accessing and using the Sites or bank products and services, you consent to the transfer to and processing of your personal information in the U.S.

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 Website. Please see the security section on this Website for additional information on steps you can take yourself to enjoy a safe and secure online experience.

Remember to educate yourself on scams and threats and to maintain your computer operating system and data security software up to date. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN(s). If you receive such an email request, please call our Customer Service center immediately at 800.453.8700.

Third-Party Web Linking Practices

We may partner with reputable third-party companies to help provide additional products and services or information to you online. These third parties are always subject to a detailed evaluation process to review their relevant business practices; however, they may have different online disclosures, including security and privacy practices, than Mercantile Bank. Accordingly, when we link you to a third-party website using a hyperlink, we will notify you that you are leaving a Website under our direct control and subject to our policies, so that you can review their respective disclosures and policies.

In some cases we may also enter into co-branded relationships with other parties on the Internet to offer you additional products, services, or information. These co-branded websites may also use a hyperlink, and disclose they are “brought to you by,” “powered by,” “provided by,” or contain another company’s logo. In these circumstances our online disclosures, including security and privacy practices, still apply.

Online Surveys

We may conduct online surveys from time to time in connection with the Website and you are not required to complete online surveys.

Online Planning Tools

We make planning tools, such as mortgage and savings calculators, available. 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.

Effective Date and Policy Changes

This Online Policy and Terms of Use are effective as of March 10, 2026. We reserve the right to change or amend this Online Privacy Policy at any time. Changes will be effective as of posting to the Website.