This document was last updated on January 15, 2020

These Terms & Conditions govern the manner in which MutualOne Bank collects, uses, maintains and discloses information collected from visitors to our website, MutualOne.com.

By visiting the MutualOne Bank website, you are agreeing to be bound by these Terms & Conditions. If you do not agree, please do not visit this website.

MutualOne Bank has the discretion to update this page at any time. We encourage visitors to visit this page regularly for any changes. By continuing to visit this site, you acknowledge and agree that it is your responsibility to review these website Terms & Conditions periodically and become aware of modifications. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.

If you have any questions about these Terms & Conditions, our website practices, or your dealings through this website, please contact us.

Copyright
The pages and the information, materials and other content throughout this website are owned by MutualOne Bank unless otherwise indicated. The content of this website may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the express written consent of MutualOne Bank.

Personal identification information
We may collect personal identification information from visitors in a variety of ways, including, but not limited to, when visitors visit any page on our site, fill out a form, respond to a survey, and in connection with other activities, services, features or resources we make available on our website. Visitors may be asked for, as appropriate, name, email address, mailing address, phone number. Visitors may, however, use our website anonymously.

We will collect personal identification information from visitors only if they voluntarily submit such information to us. Visitors can always refuse to supply personal identification information, except that it may prevent them from engaging in certain website-related activities.

Non-personal identification information
We may collect non-personal identification information about visitors whenever they interact with our website. Non-personal identification information may include the browser name, IP addresses, geography, web pages viewed, the type of computer and technical information about how visitors connected to our website, such as the operating system, the internet service providers utilized and other similar information.

Web browser cookies
Our website may use “cookies” to enhance the visitor experience. Through a visitor’s web browser cookies are placed on a visitor’s hard drive for record-keeping purposes and sometimes to track information about them. Visitors may choose to set their web browser to refuse cookies, or to alert when cookies are being sent. If you disable cookies, please note that some parts of the website may not function properly.

MutualOne Bank utilizes third-party services including Google Analytics, and Google search & display advertising.

• Google Analytics helps us track trends and behaviors such as navigation within the website, helping to increase the general effectiveness of our website and marketing, and improving the overall services we offer. You may stop or restrict the placement of cookies on your computer or flush them from your browser by adjusting your web browser preferences. View Google’s Privacy Policy.
• Google Advertising is used to drive traffic to our website, and to personalize the advertising you receive on the Google Display Network. You can click here to opt-out of some of Google advertising features.
• You may also request a broader Consumer Opt-Out service provided by the Network Advertising Initiative.

How we use collected information
MutualOne Bank may collect and use visitor personal information for the following purposes:

• To run and operate our website – We may need your information to display content on the website correctly.
• To improve customer service – Information you provide helps us respond to your customer service requests and support needs more efficiently.
• To improve our website – We may use feedback you provide to improve our products and services.
• To run a promotion, contest, survey or other website interactive features.
• To send visitors information they agreed to receive.
• To send periodic emails – We may use the email address to respond to your inquiries, questions, and/or other requests.

How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of personal information stored on our website.

Sharing your personal information
We do not sell, trade, or rent personal identification information to others.

We may share generic aggregated demographic information not linked to any personal identification information regarding visitors with our business partners, trusted affiliates and advertisers for the purposes outlined above.

We may use third-party service providers to help us operate our business and the website or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Electronic newsletters
If you decide to opt-in to our mailing list, you will receive emails that may include company news, updates, related product or service information, etc.

Third-party websites
MutualOne Bank provides links to third party websites as a service to our website visitors. By clicking on the links, you will enter a web site created, operated and maintained by a private business or organization.

We are not responsible for the content, views, or privacy policies of third-party websites. We take no responsibility for any products or services offered by these sites, nor do we endorse or sponsor the information these sites contain. Web sites change location, ownership, and address frequently. MutualOne Bank is not responsible for the accessibility of these links

You should review the privacy statements of a website before you provide any personal or confidential information.

Interactive calculators
MutualOne Bank partners with KJE Computer Solutions to provide online calculators for the interactive enjoyment of our visitors. The results are not guaranteed to be accurate and in no way endorsed, offered or guaranteed by MutualOne Bank.

Compliance with Children’s Online Privacy Protection Act
We never collect or maintain personal information on our website from those we know are under 13.