What Does Southern Michigan Bank & Trust Do With Your Personal Information?
Rev. Date 7/2025
| 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. |
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| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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| 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 |
| For nonaffiliates 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 also protect your information through employee education.
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| How does Southern Michigan Bank & Trust collect my information? | We collect your personal information, for example, when you
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.) |
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Cookie Policy
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Southern Michigan Bank and Trust uses "cookies" on our website to improve your experience and enhance site functionality. A cookie is a small file placed on your device that helps us recognize repeat visitors and optimize your access to our site. For example, cookies can allow you to stay logged in so that you do not need to enter your password every time you visit, saving you time and effort. Cookies also help us understand and track your preferences and interests, enabling us to offer a more personalized browsing experience. Please note that cookies are not linked to any personally identifiable information on our site. Some third-party partners, such as advertisers, may also use cookies on our website. However, Southern Michigan Bank and Trust does not have access to or control over these cookies. By continuing to use our website, you consent to the use of cookies as outlined in this policy. |
| Definitions | |
|---|---|
| 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. |
Privacy Notice to California Customers
Effective Date: January 1, 2020 | Last Updated: April 28, 2026
Changes to Our California Privacy Notice
Southern Michigan Bank & Trust SMBT 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) and the expansion of the ACT by the California Privacy Rights Act (CPRA) 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.