Privacy Policy

PRIVACY POLICY AND IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

Annual Update
2009

Privacy Policy

This Policy applies to accounts held for personal, family or household purposes.

We collect nonpublic personal information about you from the following sources: (a) information we receive from you on applications or other forms; (b) information about your transactions with us, our affiliates or others; and (c) information we receive from a consumer reporting agency. 

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.  We do not otherwise disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice. 

At Lapeer County Bank & Trust Co. (Bank), we value our customer relationships.  If you have any questions about how the Bank protects your confidential information, please contact us at (810) 664-2977.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.

 

Send all Mail to:
Lapeer County Bank & Trust Co.
P.O. Box 250
Lapeer, MI  48446-0250

 

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: 83 W. Nepessing St. • P.O. Box 250 Lapeer, MI 48446