Privacy Statement

Community Shores Bank respects your privacy.  Through our online services, we strive to provide valuable information to you about how we may serve you; and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

You should know how we collect, protect, use, and share your information.

This Privacy Policy applies when you visit o ruse this website, receive our emails, interact with our advertisements on third-party websites, or use any other online services we offer that link to or reference this policy (collectively, our “Online Services”), and should be read in conjunction with any other policies or disclaimers that apply to the service or application you are accessing (collectively, the “Policies”).

Information We Collect

Personal Information:  When you visit or use our Online Services, we may collect personal information from or about you.  Personal information means personally identifiable information such as your name, email address, mailing address, telephone number(s), account numbers, user name, and password.  For example, we may collect this information when you are banking online or applying for a mortgage.

Other Information:  We may also collect certain information that does not reveal your specific identity or does not directly relate to any individual.  This may include information you provide such as your date of birth or household income, or aggregated and de-identified data.

We may also collect certain information about your use of our Online Services.  For instance, we may collect the IP address of the device you use to connect to the Online Services, information about the site you came from, and information about the parts of our Online Services you access.  We and companies we work with may also use cookies, web beacons, and other technologies to collect and store information about your visit to, or use of, our Online Services (for more information on these technologies, see Cookies and Other Tracking Technologies below).

 In addition, we may associate usage and other information we collect from you with personal information we have about you.

 How We Use the Information

We use the information we collect from you to provide services, manage our business, offer an enhanced, personalized experience with our Online Services, among other services, products, and use.

The information allows us to (among other things):

  • Process applications and transactions;
  • Respond to your requests and other communications;
  • Verify your identify;
  • Prevent fraud and enhance the security of your account;
  • Recognize you when you return to our Online Services;
  • Provide personalized content;
  • Perform analytics concerning your use of our Online Services, including your responses to your emails and the pages and advertisements you view;
  • Evaluate and improve our business; and
  • Comply with and enforce our policies, applicable legal requirements, industry standards, and contractual obligations.

Please see our Consumer Privacy Policy Notice for information on how personal information may be shared and how you may limit certain types of sharing.

Security

No method of sending information over the Internet or any method of electronic storage is completely secure.  As such, we cannot and do not guarantee the security of your information.  You are solely responsible for the privacy policy and security of any information you share with us using our Online Services.  We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number or account number) to us.

We attempt to make our Online Services as secure as possible, so we use industry standard security measure to protect the sensitive information under our control.  This includes limiting access to data and using a verity of information security measures, including encryption technology, such as Secure Sockets Layer (SSL), to protect your personal sensitive information.

Linking to Third-Party Websites

We may provide links to websites that are owned or operated by other companies (“third-party websites”).   When you use a link to visit a third-party website, you will be subject to that website’s privacy policy and security practices, which may differ from ours.  You should familiarize yourself with the privacy policy, terms of use, security practices, and other policies of the linked third-party website before providing any information on that website.

Cookies and Other Tracking Technologies

We and the companies we work with use technologies such as cookies, web beacons and local shared objects to collect and store information about your visit to, or use of, our Online Services.

Cookies:  Cookies are small amounts of data sent from a website and stored in a visitor’s web browser.  Cookies allow us to collect information such as browser type, time spent on our website, pages visited, and your relationship with us.  We and companies we work with may use the information for security purposes, to facilitate navigation, to recognize your device to allow your use of our Online Services, to display information more effectively, and to personalize your experience with our Online Services.  We may collect statistical information about use of our Online Services in order to improve design and functionality, monitor responses to our advertising and marketing, understand how our Online Services are used and resolve questions regarding our Online Services.  We may also use cookies for advertising purposes.

Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our Online Services.  If you decline to accept cookies, we will not be able to recognize your device and you will need to answer a challenge question each time you log on.

Web Beacons:  Web beacons are objects embedded in a website or an email or other message that are typically invisible and allow confirmation that a user has accessed content.  We and companies that we work with may use web beacons or similar technologies to help recognize users of our Online Services, measure the effectiveness of our communications and for marketing campaigns, to compile statistics about usage and response rates, to personalize your experience with our Online Services, for fraud detection and prevention, for advertising, and to assist with answering questions regarding the use of our Online Services.

Local Shared Objects:  Local Shared Objects, often referred to as “Flash cookies”, are pieces of data websites which use Adobe Flash may store on a user’s computer.  We may use Local Shared Objects to recognize you and your device when you come back to our website.  Deleting cookies does not delete Local Shared Objects.  You can learn more about Local Shared Objects, including how to control and disable them, through the Adobe interface.  If you choose to delete Local Shared Objects from our Online Services, your experience with our Online Services may be degraded.

Online Advertising

We advertise online.  We may collect information using cookies, IP addresses, and the other tracking technologies described in Cookies and Other Tracking Technologies above to understand how our advertising is performing.  The information we collect may include, for example, the number of page visits, pages viewed on our website, and responses to our advertisements and promotions.

Protecting Children’s Privacy Online

Our Online Services are not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide personal information through our website.  We do not knowingly collect information from children under 13 without parental consent.  If a child who we know to be under age 13 sends personal information to us online via e-mail, we will only use that information to respond directly to that child, notify parents, or seek parental consent.  Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).

 Making Sure Your Information is Accurate

It is very important to keep your account information up to date.  If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our website or call or write to us at 888-853-6633, , or 1030 W Norton Avenue, Muskegon, MI 49441.

Changes to this Policy

We reserve the right to change this Policy at any time by posting a new Privacy Policy.  Any changes to this Policy will become effective when posted unless otherwise indicated.

This Policy was last updated on, and is effective as of June 27, 2018.

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