Terms & Conditions

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

Information We Get From You When Visiting Our Website

We use cookies and similar exchange technologies to identify your browser or device. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies do NOT contain any data that enables us to determine your actual identity. They are useful because they allow a website to recognize a user's device. Find our more about cookies at: http://www.allaboutcookies.org.

Cookies do lots of different jobs like letting you navigate between pages efficiently, remembering your preferences and generally improving your user experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests.

Pixel tags are small invisible images on a web page or other document that allow us to set, read and modify cookies. When you visit a website, the pixel tag helps us better understand how you interact with our website by observing which pages you visited.

We use analytics tools and other third-party technologies to collect non-personal information in the form of various usage and user metrics when you use our site or online services. These tools and technologies collect and analyze certain types of information, including cookies. IP address, device and software identifiers, referring and exit URL's, onsite behavior and usage information, features use and metrics and statistics, usage and purchase history, MAC address, mobile unique device ID, and other similar information.

The third-party analytics companies who collect information on the Site and/or other online products and/or services may combine the information collected with other information they have independently collected from other websites and/or other online or mobile products and services relating to your activities across their network of websites as well as online and/or mobile products and services. Many of these companies collect and use information under their own privacy policies.

Opting Out and Your Privacy Rights

To learn more about or opt-out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance. To obtain more information and/or to opt-out of personalized advertising for Google and its partners sites, use the following link: http://adssettings.google.com. Please note, even if you opt-out of interest based advertising, you may still see other kinds of non-interest based advertising from us.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Michigan.