Privacy Policy

The basis of each customer relationship at Lapeer County Bank & Trust Co. is trust. You have chosen to do business with Lapeer County Bank & Trust Co., and the nature of our relationship requires that you share sensitive information with us. We are obligated to respect and ensure the privacy of your information. We want to offer the array of products and services you need to accomplish your financial goals. At the same time, your privacy should not be compromised. We believe we can do both through the privacy policy outlined below.

Recognition of a Customer's Expectation of Privacy

We recognize your right to privacy at Lapeer County Bank & Trust Co. We recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

Customer Benefits of Our Information Management Practices

Information about customers is accumulated from a variety of sources. Some information is provided to Lapeer County Bank & Trust Co. directly by customers themselves. Other data is developed by Lapeer County Bank & Trust Co. as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Lapeer County Bank & Trust Co. We will use information to help identify additional products or services which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy.

Maintenance of Accurate Information

Lapeer County Bank & Trust Co. has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Limitations on Employee Access to Information

Each Lapeer County Bank & Trust Co. employee is required to follow our Company's "Code of Conduct," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

Protection of Information via Established Security Procedures

We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information standards and procedures.

Restrictions on the Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: 

  1. you request or authorize it;
  2. the information is provided to help complete a transaction initiated by you;
  3. the information is provided to a reputable credit bureau or similar information reporting agency; or
  4. the disclosure otherwise is lawfully permitted or required.

We do not provide account or personal information to third party companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Customer Privacy in Business Relationships with Third Parties

When we do provide customer information to a third party in order to offer appropriate customer services, we will insist, through a written agreement, that the third party adhere to privacy principles similar to those to which Lapeer County Bank & Trust Co. adheres for keeping this information confidential.

Providing Privacy Information to Customers and Responding to Inquiries

At Lapeer County Bank & Trust Co., we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Lapeer County Bank & Trust Co. protects your confidential information, please contact us at (810)664-2977.


 

INTERNET PRIVACY NOTICE

Lapeer County Bank & Trust Co. (the Bank) respects the privacy of its customers and is committed to protecting their information on our website. We only collect non-identifying information about visitors to our website such as:

  • Date and time the site was accessed,
  • What pages were visited,
  • What servers were used, and
  • The city of the visitor as identified by the server address.


When a website visitor emails the Bank, the information is used, as appropriate, by Bank employees to complete the request submitted through the website. This information is not disseminated outside the Bank, nor is it sold to other organizations.

Cookie Technology

A cookie is a piece of data given to a browser by a web server. We set a cookie each time you log onto the Online Banking service. This cookie is merely an anonymous number that identifies the user's session. It does not store any personally identifiable information. We only use cookie technology to strengthen banking in the following way:

  • While you are connected to the Online Banking service, the cookie is constantly monitored to ensure that we are communicating to the machine that logged in.
  • If this cookie connection is interrupted (as may occur if an intruder intercepts your information), the Online Banking service will cancel the connection.
  • This cookie will remain on your hard drive after you have completed your session.
  • When you log onto Online Banking the next time, the old cookie will be replaced by a new cookie.
  • At the end of any session, you can remove this cookie.

Children's Online Privacy

Because we have no way of distinguishing the age of individuals who access our website, we collect the same general information we collect from any website user as well as personally-identifiable information from individuals under the age of 14 if they provide it. If such information is received via email, we will respond to the communication as warranted but only retain the information in accordance with our general information collection policy.

Links to Our Website

We are not responsible for the content or the privacy policies of websites to which we may provide links.

Changes to this Internet Privacy Notice

We reserve the right to introduce new services or practices that may require a change to the provisions of this notice.

Main Office: (810) 664-2977 P.O. Box 250 Lapeer, MI 48446