Marquette Bank Online Privacy Policy

1. OUR COMMITMENT TO YOUR PRIVACY

• How information about you is collected through our site;
• How we use and with whom we share this information;
• How you can access and update this information; and
• The choices you can make about how we collect, use and share your information. If you have any questions regarding this Privacy Policy or our information collection and use practices, please contact us using the information in the “Contact Us” section below.

2. INFORMATION COLLECTED THROUGH OUR SITE

• Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.


• Event Registration or Request for Meetings. You may provide contact data through secure online forms for bank hosted events/seminars or for requesting a meeting for a particular financial service. Typically, this information includes name, address, phone, email and other relevant information. This data is used only for the purpose of the form and is not retained on the site.


• Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our site. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable Marquette Bank to comply with various legal obligations. 


• Device and Usage Information. Like most online services, our site collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our site, the information you search for, and the dates and times that you visit our site.  For Mobile App Usage, we may also collect information related to:
  • Camera
  • Contacts
  • Location


• Cookies and Other Technologies. Our site collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our site, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our site. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the sites you visit. Please see the Managing and Blocking Cookies section below for more information.  We do not respond to “do not track” browser signals at this time.  We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. 
  
  For example, we use web beacons in our email marketing to track instances where a user clicks through a link in the email.


• Website Analytics. We may use various technologies to learn more about how visitors use the site, such as Google Analytics. Google Analytics uses cookies to help us analyze how visitors use the site. The information generated by the cookies about your use of the site includes your IP address. If you choose, you may be able to opt out by turning off cookies in the preferences settings in your browser. For more information on Google Analytics, including how Google Analytics collects, uses, and discloses information, refer to the following page: www.google.com/policies/privacy/partners. We may also use other technologies to monitor your activities on the site.

3. MANAGING AND BLOCKING COOKIES

4. HOW WE USE INFORMATION

• To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our site and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties. 


• To Improve, Analyze, and Personalize our site and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our site and Services; to improve our site and Services and develop new products, services, features, and functionality; and to personalize our site and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our site, or providing customized content and information. 


• To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our site and Services.  Generally, you have the ability to opt out of receiving promotional communications as described below in the section titled Email and Opt-Out Procedures. 


• Aggregate Data. We aggregate data collected through our site and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.  


• Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our site and to provide advertisements and other content that is tailored to you. We use the Google Marketing Platform and cookies associated with Google Tag Manager for purposes of targeted advertising of our products and services we think may be of interest to you. For more information regarding Google’s privacy practices please refer to their privacy policies.

5. HOW WE SHARE INFORMATION

• To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; site hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our site and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to Marquette Bank or to you.


• In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.  


• Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our site or Services, (d) to protect the property, rights, and safety of Marquette Bank, our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.


• In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.

6. OUR POLICY CONCERNING CHILDREN

7. PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS

8. SECURITY

9. CHANGES TO OUR PRIVACY POLICY

10. HOW TO ACCESS AND UPDATE YOUR INFORMATION

• If you are a Marquette Bank customer, you can access and update certain personal information in connection with your account or application by logging into your account online. 
• You may contact us at marquetteservice@emarquettebank.com and request to review, amend or delete certain personal information collected by us.
• Please note that we may not be able to delete all information we collect through our site.

11. RETENTION OF YOUR INFORMATION

12. EMAIL AND OPT-OUT PROCEDURES

• As a bank, there are some limited operational (non-promotional) emails sent that do not contain an opt-out link, such as required compliance notifications, monthly online statement notifications and fraud/scam alerts. These emails are either legally required or are in your best interest in receiving in a timely manner.
• You may opt-out of receiving promotional emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Generally, your opt-out will become effective in 15 days or less.
• Please be aware that our emails come from various systems and sometimes from service providers on our behalf. According to agreements made with these service providers, you may have to “unsubscribe” from these emails separately by following the steps described in the footer of these marketing emails.
• You are encouraged to have your primary email on file with Marquette Bank. Having your current and primary email allows us to have an alternative channel to reach you in the case of an urgent communication related to your account or an important communication related to our services.  

13. CONTACT US