What Does Southern Michigan Bank & Trust Do With Your Personal Information?

Rev. Date 6/2018

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social security number
  • Account balances
  • Payment history and income
  • Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Southern Michigan Bank & Trust chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Southern Michigan Bank & Trust Share? Can You Limit This Sharing?
For our everyday business purposes
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes
information about your transactions and experiences
No We Do Not Share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Do Not Share
For our affiliates to market to you No We Do Not Share
What We Do
How does Southern Michigan Bank & Trust protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Southern Michigan Bank & Trust collect my information? We collect your personal information, for example, when you
  • Open an account or deposit or withdraw from your account
  • Apply for a loan or provide account information
  • Give us your income information
We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. Southern Michigan Bank & Trust does not share with affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Southern Michigan Bank & Trust does not share with non-affiliates.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. Southern Michigan Bank & Trust does not jointly market.

California Consumer Privacy Act


Effective Date: January 1, 2020                                                                                             Last Updated: March 24, 2020

Changes to Our California Privacy Notice

Southern Michigan Bank & Trust (SMB&T) will update this notice in response to changing legal, technology, or business developments. We will post the most up-to-date notice on our website at https://www.smb-t.com/privacy-policy. You can see when the notice was last updated by checking the “Last Updated” date displayed at the top. For questions, please contact the bank as noted below.

The California Consumer Privacy Act (CCPA) requires us to notify California residents (unless an exemption applies) of the categories of personal information we collect about them, with reference to the categories set forth under the CCPA, and the purposes for which we will use such categories of personal information.

Categories of Personal Information Collected: The relevant categories of personal information SMB&T may collect about California residents include:

  • Identifiers: such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
  • Customer records: such as paper and electronic customer records containing personal information, such as name, signature, Social Security number, physical characteristics or description, etc.
  • Protected classifications under California or federal law: such as age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, etc.
  • Commercial information: such as records of personal property, products, or services purchased, obtained or considered.
  • Biometric information: such as genetic, biological characteristics, etc. such as, fingerprints.
  • Internet or other electronic network activity information: such as browsing history, search history, website interaction, etc.
  • Geolocation data: such as physical location or movements.
  • Employment information: such as current or past job history or performance evaluation.
  • Profiles of inferences: such as profiles reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Purpose of Use: We may use the above categories of personal information as follows:

  • To provide the services for which the information was provided, including to maintain and administer any accounts you open with us and to process transactions and payments.
  • For authentication, identity verification, and fraud prevention and detection.
  • To respond to or address your questions and investigate and resolve any issues.
  • To personalize your experience using our website and services.
  • To improve and develop products and services and for other research and analytics purposes.
  • To respond to authorized regulatory, compliance, and legal process.
  • To evaluate or conduct a merger or to sell or transfer some or all of SMB-T assets.
  • To protect and defend our rights and interests and those of third parties, including in defense of litigation and other claims against us.

Not covered by this notice: This notice does not address or apply to any of the nonpublic information we collect about consumers, pursuant to the Gramm-Leach-Bliley Act (GLBA) or otherwise subject to an exemption under CCPA Section 1798.145. For information, please review our Privacy Notice.

For more details and information about the personal information we collect and how we collect, use and disclose such personal information (as defined by CCPA) and your rights regarding such personal information, please call us as (1-800-379-7628).