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CONTENTS OF WEBSITE PRIVACY POLICY

  • Purpose 
  • What This Policy Covers
  • Personal Information We Collect
  • Information You Give Us 
  • Information We Get from Others
  • Information Automatically Collected
  • Customer Information
  • How We Use Your Personal Information
  • How We Share Your Personal Information
  • Your Choices
  • Opt Out of Communications
  • Consequences of Not Providing Personal Information
  • Cookie Policy
  • What are Cookies?
  • What Cookies and Other Tracking Technologies do We Use?
  • Google Services
  • How Can You Disable Cookies and Other Tracking Technology? 
  • Other Important Privacy Information
  • Third Party Sites and Services
  • Security
  • International Data Use and Cross-Border Transfers
  • Verifying, Changing, and Deleting Your Information
  • Children 
  • Notice to Residents of Certain States
  • Personal Information We Collect and Share
  • Retaining Your Information 
  • Your Rights
  • Exercising Your Rights
  • Responding to Your Rights Request
  • CHANGES TO THIS POLICY
  • How to Contact Us


1. PURPOSE

This Website Policy is designed to help you understand how we and our related organizations and affiliates (collectively, “we”, “us” or “our”), collects, uses, and shares personal information collected through this website and related sites (the “Site”). We value your privacy, and we will not share your personal information with third parties except as described in this Policy without your consent.

BY USING THIS SITE, YOU AGREE TO BE BOUND BY THIS POLICY. IF YOU DO NOT AGREE WITH ANY OF THE TERMS OF THE POLICY, PLEASE DO NOT USE THIS SITE OR PROVIDE US WITH YOUR INFORMATION.

2. WHAT THIS POLICY COVERS
This Policy applies to our collection, use and sharing of your personal information when you visit our Site or receive our communications. This Policy does not apply to any other information or websites not owned or operated by us or information collected by us by other means. The information you provide may also be subject to additional terms. For example, if you are a ChoiceOne customer, your personal information is subject to our Customer Privacy Policy.

3. PERSONAL INFORMATION WE COLLECT
This section of our Policy describes the categories of personal information we collect about you and the different ways in which we collect your personal information.

Information You Give Us
Personal information you may provide through the Site or otherwise communicate to us includes:

  • Contact information. We collect information about you when you provide contact information to us via email or through the Site, including as a result of signing up for a product demonstration or requesting more information about our products and services. This information may include your first and last name, title, email address, mailing address, phone number, and any other information you choose to make available.
  • Feedback and correspondence. We may collect personal information you provide when you request information, respond to surveys, or otherwise correspond with us.
  • Other information. We may collect other information from you that is not specifically listed here. We may use such information in accordance with this Policy.


Information We Get from Others
We may obtain additional information about you from third party sources, such as service providers, vendors, and social media sites to provide you with more relevant information about our services. This information may include your contact information, payment information, and cookie information.

Information Automatically Collected
Our servers and third party service providers may automatically record cookie information in connection with your use of the Site, which includes information such as your Internet Protocol (IP) address, device and browser type, operating system, DNS, the pages or features of the Site that you browsed and the time spent on those pages or features, the frequency with which you use the Site, the links that you click on or use, and other statistics. We collect this information in server logs and by using cookies and similar tracking technologies. See our Cookie Policy, below, for more information.

Customer Information
If you are a customer, we collect personal information about you, including that may be considered sensitive, such as your tax identification number, passport number or social security number in connection with our provision of products and services. Such information is not covered by this Policy and is instead subject to our Customer Privacy Policy. Click here for more information about our activities related to such personal information.

4. HOW WE USE YOUR PERSONAL INFORMATION
This section of our Policy describes the different purposes for which we may use the personal information we collect about you.

  • A. To Provide our Products and Services and Communicate with You – We use your contact information and other personal information to provide you with our products and services and respond to your requests, questions, comments, and feedback.
  • B. To Improve our Site – We use your cookie information to provide, maintain and improve the Site; better understand your needs and interests, and personalize your experience with the Site; and perform website analytics and database management services.
  • C. To Send You Marketing Communications – We may use your contact information to send you newsletters, promotions or other marketing communications, but you may opt out of receiving them as described in the Your Choices section below.
  • D. To Personalize This Site – We may use your cookie information to personalize your Site experience and communications. See our Cookie Policy below, for more information.
  • E. To Create and Maintain Your Account – In order to utilize some of the services provided through the Site, you must create an account using certain personal information, including your name and email address.
  • F. For Compliance, Fraud Prevention and Safety – We may use some or all of your personal information as we believe appropriate to: (a) investigate or prevent violation of the law or your agreements with us; (b) protect our, your or others’ rights, privacy, safety or property (including by prosecuting and defending legal claims); (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity; (d) comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; and (e) where permitted by law in connection with a legal investigation. For example, we may share information with law enforcement to reduce the risk of fraud or if someone uses or attempts to use our site for illegal reasons.
  • G. With Your Consent – In some cases, we may ask for your consent to collect, use or share your personal information.

5. HOW WE SHARE YOUR PERSONAL INFORMATION

We do not sell your personal information; however, we may share your personal information with third parties for a number of reasons. For example, we may also use third parties to help us design and operate the Site, provide services to support the Site, help us analyze our data, process your payment information, or send information on our behalf about services and events in which you may be interested. Unless otherwise indicated at the time we collect your information, if we allow third parties to access the personal information we collect, we will have contractual provisions or other appropriate protections in place to ensure such access is for limited purposes and in compliance with this Policy.

Specifically, we share your personal information with the following categories of third parties:

A. Related and Affiliated Organizations – We may share all of the personal information we collect about you with our affiliates and related organizations for use consistent with this Policy.

B. Service Providers and Business Partners – We may share your personal information with third party companies and individuals as needed for them to provide us with services that help us with our business activities and to promote our services to you. This information may include your contact information, payment information, and cookie information. We may also share your contact information with our business partners who offer a service to you jointly with us.

C. Compliance, Fraud Prevention and Safety – We may disclose some or all of the personal information we have collected about you as we believe appropriate to government or law enforcement officials or private parties for the purposes described above under the section “For Compliance, Fraud Prevention and Safety.”

D. Business Transfers – We may sell, transfer, or otherwise share some or all of our business or assets, including all of the personal information we have collected about you, in connection with a business deal (or potential business deal) such as a merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy.

6. YOUR CHOICES
This section of our Policy describes your choices with respect to the personal information you provide and the marketing communications you may receive. In addition, some states may grant you additional rights as further described in the “Location-Specific Disclosures” section, below.

Opt-Out of Communications
You may opt out of marketing-related emails by changing the communication preferences in your account settings or by following the opt-out prompt in the email. To opt out of other forms of communication, please contact us using the contact information provided at the end of this Policy.

Consequences of Not Providing Personal Information
You are not required to provide all personal information identified in this Policy to use our Site or to interact with us offline, but certain functionality will not be available if you do not provide personal information. For example, if you do not provide personal information, we may not be able to respond to your request, perform a transaction with you, or provide you with marketing that we believe you would find valuable.

7. COOKIE POLICY
This section of our Policy describes how we and our business partners may collect and store information about you and your use of the Site through cookies and other tracking technologies.

What are Cookies?
Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies set by the website are called “first party cookies”. Cookies set by parties other than the website are called “third party cookies”. Third party cookies enable third party features or functionality, such as advertising or website analytics, to be provided on or through the website. The parties that set these third-party cookies can recognize your computer or device both when it visits the website in question and also when it visits certain other websites and/or mobile apps.

What Cookies and Other Tracking Technologies do We Use?
We use several different kinds of cookies on this Site, including strictly necessary cookies, which are cookies that are necessary for the Site to function and cannot be switched off in our systems; performance cookies, which allow us to count visits and traffic sources so we can measure and improve the performance of our Site; and functional cookies, which enable the Site to provide enhanced functionality and personalization. In addition to our own cookies, we collaborate with various third-party service providers who also use cookies to help us optimize our website and to understand more about the visitors to our website. Cookies are not the only way to track visitors to a website. We may use similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our Sites. These technologies often depend on cookies to function properly, and so disabling cookies may impair their functioning. If you sign up to receive our e-mails, we will also use cookies in conjunction with these emails. When your browser downloads any graphic content in the e-mail, we will also place a cookie on your computer that will tell us if you come to our website at a later date. Please see our Cookie Policy page for a list of cookies on our Site.

Google Services
We use Google Analytics to help us gather statistical information about the visitors to our Site and to market our products and services. This information is collected via cookies and other identifiers that we and third parties place on our site. We and our third-party partners may use this information to gain a better understanding of the users of our Site, and to improve our products and services. To understand how Google collects and processes data, including through the use of cookies and other technologies, please visit please visit https://policies.google.com/technologies/partner-sites. To opt out of Google Analytics, we encourage you to check out Google Analytics' currently available opt-outs for the web.

How Can You Disable Cookies and Other Tracking Technology?
Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org and www.youronlinechoices.com. This Site recognizes opt-out preference signals, which are also called Do Not Track or Global Privacy Control (GPC) signals, and will automatically opt you out of the sharing of your information if you have turned on such signals. Some browsers turn on GPC signals automatically, but you may need to configure your browser or use a browser extension to enable such signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com. Additionally, you can change your cookie settings on this this Site by visiting our Cookie Policy page or clicking the circular icon in the bottom corner of this Site.

8. OTHER IMPORTANT PRIVACY INFORMATION

Third Party Sites and Services
The Site may contain links to other websites and services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. We do not control third party websites, applications or services, and we are not responsible for their actions. Other websites and services follow different rules regarding their collection, use and sharing of personal information. We encourage you to read their privacy policies to learn more.

Security
The security of your personal information is important to us. We take a number of organizational, technical and physical measures that are designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies, and we cannot guarantee the absolute security of your personal information.

International Data Use and Cross-Border Transfers
We are located in the United States and have affiliates and service providers in other countries, and your personal information may be collected, used and stored in the United States or other locations outside of your home country. Privacy laws in the locations where we handle your personal information may not be as protective as the privacy laws in your home country. However, we will handle your personal information in accordance with this Policy regardless of where your personal information is kept. Regarding transfers from the European Economic Area, Switzerland or United Kingdom to the United States, we rely on the derogations for transfers which are necessary to perform the transaction with you. Where required by law, you may request a copy of the suitable mechanisms we have in place by contacting us as detailed below. If you reside in other non-US jurisdictions, your use of the Site or provision of any personal information constitutes your consent for the transfer of such data to the United States for the purposes identified in this Policy. If you have questions about cross-border transfers, please contact us as detailed at the end of this Policy.

Verifying, Changing, and Deleting Your Information
You can contact us as detailed at the end of this Policy and ask us to change, update or fix your information in certain cases, particularly if it is inaccurate. You can also request that we erase or delete all or some of your personal information or otherwise object to, limit, or restrict the use of such information (if we have no legal right or legitimate business interest in retaining such information).

Children
The Site and our services are not intended for use by anyone under the age of 18, nor do we knowingly collect or solicit personal information from anyone under the age of 18. If you are under 18, you should not attempt to use the Site or send any information about yourself to us.

9. NOTICE TO RESIDENTS OF CERTAIN STATES
If you are a resident of California, Connecticut, Minnesota, Montana, Oregon, or certain other states with comprehensive privacy laws that may grant you additional privacy rights, this section applies to you in addition to the rest of this Policy. Please note that we also may collect, use and share additional personal information about you that is governed by other laws, such as the Gramm-Leach-Bliley Act, and our activities related to such personal information are not disclosed here. Click here to learn more about our privacy practices related to such personal information.

Personal Information We Collect and Share
We collect your personal information when you interact with our Site or otherwise communicate with us. In the past 12 months, we have collected the following categories of personal information from our Site visitors and have used that information for the following purposes:

  • Identifiers, including real name, signature, postal address, Internet Protocol address, email address, and telephone number. We use this information to market our services, communicate with you, and provide you with information and services you request. We collect this information directly from you when you provide your contact information to us, email us, register for an event, submit a request, or interact with our social media pages. In addition, we collect your IP address passively when you visit this Site to provide you more relevant content, track original Site visits, and optimize your Site experience. We share this information with customer relationship management (CRM) software providers, internet service providers, operating systems and platforms, marketing intelligence tools, mail houses or printers, and payment processors.
  • Internet or other electronic network activity information, including browsing history, search history, and information regarding your interaction with our Site, an application, or an advertisement we have placed on another website. We collect this information passively from you when you visit and navigate our Site on any device or receive or interact with our communications and Site. We may also receive this information from third-party sources such as our online advertising networks, social media platforms, data analytic providers, website and webinar service providers, and email marketing and automation service providers. We use this information to provide you more relevant content, track original Site visits, optimize your Site experience, and ensure our systems are properly functioning. We share this information with CRM, internet service providers, email marketing providers, operating systems and platforms, marketing intelligence service providers, and payment processors.
  • Geolocation Data. We use this information to support website functionality and identify traffic patterns and to markets our products and services to you. We collect this information passively from you when you visit our Site on any device. We share this information with our third-party service providers to help manage this Site and with marketing intelligence service providers.

We do not collect sensitive personal information from our Site visitors (unless they are customers or potential customers subject to a separate agreement with us) or make sensitive data inferences in connection with the Site. Furthermore, we do not have actual knowledge that we collect or share personal information of consumers under 18 years of age. 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 with notice.

Retaining Your Information
We will only retain your personal information in accessible form that can identify you for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements. Where your personal information is used for more than one purpose, we will retain your Information for the longer of those periods.

Your Rights
The laws of your state may give you certain rights regarding your personal information, including:

  • Right to Know/Access. You have the right to confirm whether we are processing your personal information and to access such personal information, the categories of third parties with whom we share your personal information, and, under certain circumstances, to receive a copy of such personal information.
  • Right to Delete. You may request that we delete certain personal information we have collected about you, with certain exceptions.
  • Right to Correct. You may request that we correct inaccurate personal information that we maintain about you.
  • 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.

Exercising Your Rights
To exercise your other rights above, please submit a request to us using the contact information at the end of this Policy. 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. 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. 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. You have the right to appeal our refusal to take action on a rights request after receiving our decision as detailed in our response or by contacting us as detailed at the end of this Policy. We will try to inform you of our decision in writing within 45 days after receipt of your appeal, with a written explanation of our decision. If we need more time, we will contact you with the reason and the extension period. If your appeal is denied or if you have concerns about the results of an appeal, you may contact your state’s attorney general. We will provide their contact information with the results of the appeal.

10. CHANGES TO THIS POLICY
We reserve the right to modify this Policy at any time. If we make changes to this Policy, we will post them on the Site and indicate the effective date of the change. If we make material changes to this Policy we will notify you by email or through the Site.

11. HOW TO CONTACT US
If you have any questions or concerns about our privacy practices or information practices, please contact us as detailed below.

ChoiceOne Bank
109 East Division
Sparta, Michigan 49345
Email: help@choiceone.bank
Phone: 888.775.6687

Last Board Approval Date 06/24/2026
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