Mobile Banking Privacy Policy

Municipal Bank Mobile Banking (the “App”) – powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to:

• Get real-time balances for your accounts
• Manage your money
• View your transactions and statements
• Make transfers
• Pay your bills and manage billers
• Deposit a check
• Receive alerts
• Manage cards

This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

1. The Types of Information We Collect in the App

Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us

• We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties

We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology

We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:

• Device data: Operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type, IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data: Pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies: Text files stored on a visitor’s device to uniquely identify the browser or store preferences to enable functionality and understand user activity patterns.
• Local storage technologies: HTML5 and Flash, providing cookie-equivalent functionality for larger amounts of data outside of your browser.
• Web beacons: Pixel tags or clear GIFs used to demonstrate that a webpage or email was accessed or clicked.

2. How We Use Your Information Collected in the App

(a) General Use

In general, we use your personal information to respond to your requests, provide the requested Services, and help serve you better. We use your personal information to:

• Facilitate the creation of, and secure and maintain your account;
• Identify you as a legitimate user in our system;
• Provide improved administration of the Services;
• Provide the Services you request;
• Improve the quality of experience when you interact with the Services;
• Send you administrative e-mail notifications, such as security or support advisories; and
• Send surveys, offers, and other promotional materials related to the Services.

(b) Compliance and Protection

We may use your personal information to comply with applicable laws, protect rights and safety, audit internal processes, enforce our terms, and prevent fraudulent, unauthorized, or illegal activity like cyberattacks and identity theft.

(c) Creation of Non-Identifiable Data

The App may create de-identified records by excluding information that makes it personally identifiable to you. We reserve the right to use and disclose this non-identifiable data to third parties at our discretion.

3. Disclosure of Your Personal Information

We share Personal Information about you only as permitted by law. For nonpublic Personal Information collected in connection with a financial service, U.S. federal law permits sharing only for the purposes shown in the following matrix:

Reasons we can share Personal Information about you	Do we share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, respond to court orders and legal investigations, and 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)	Yes	No
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

4. Your Choices Regarding Your Information

• Do Not Track Signals: There is currently no standard governing what websites should do when they receive these signals. We currently do not take action in response to them.
• Access or Correct Your Information: You can access, update, or correct your information by changing preferences in your account.
• Opting Out of Communications: Unsubscribe from marketing emails using the link at the bottom of the message. Opt out of SMS alerts by unlinking your mobile phone number through the Services.
• Opting Out of Location Tracking: You can stop the collection of geo-location information at any time by changing the settings on your mobile device, though this may disable certain features of the App.

5. Links to Third-Party Sites

The App may contain links to third-party websites. We have no control over, do not review, and cannot be responsible for these outside websites, their content, or their privacy practices.

6. State-Specific Protections

Vermont: We will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent.

California: We will not share information we collect about you with Nonaffiliates, unless the law allows. We will limit sharing among our Affiliates to the extent required by California law.

7. Safeguards, Children, and Updates

Security Safeguards: We implement reasonable administrative, technical, and physical measures to safeguard information. Sensitive fields (like card numbers) are encrypted using secure socket layer technology (SSL) during transmission.

A Note About Children: The Services are not directed towards individuals under the age of 18. If we discover data from a child under 18 has been submitted, we will attempt to delete it as soon as possible.

Policy Revisions: Material changes will be effective thirty (30) calendar days following notice posted on the Services.

8. Contact Us

If you have any questions or complaints regarding this policy, contact us at:

Municipal Bank
PO Box 146
Bourbonnais, IL 60914
Email: mobilebanking@municipalbank.com
Phone: 815-935-8000