Online Privacy Statement

Introduction

At Bank Midwest, we take protecting your privacy and confidentiality very seriously. Here is an overview of our online privacy practices, covering the online collection, use and disclosure of information collected from visitors to our websites and mobile applications, including but not limited to www.bankmidwest.com, and Bank Midwest Mobile Banking applications herein referred to as “Websites”. Please also refer to our Privacy Policy for additional information regarding other general privacy practices and your privacy rights. In addition, you may be subject to other contractual terms in accordance with products you select and their related service agreements.

The Information We Collect

We may collect both “Customer Information” and “Aggregate Customer Information” from visitors to our Websites. The term “Customer Information” means information that can identify a specific customer or be identified back to a specific customer. The term “Aggregate Customer Information” is a compilation of information that does not identify a specific customer, such as date and time of visit, IP addresses, demographic information, Website pages visited, or the browser used.

Your Customer Information

Customer information collected may include data such as name, address, email address, phone number, Social Security number, date of birth, driver’s license, employer, and account data.

Aggregate Customer Information

We collect Aggregate Customer Information for a variety of purposes, including using it to enhance your online customer experience. For example, collection of Aggregate Customer Information enables us to gather and store information such as domain and browser information. This information allows us to measure traffic on various sections of our Website, monitor performance, and respond to customer needs. We may share “Aggregate Customer Information” with selected third parties, such as tracking product promotions, but this information will never identify you individually as a customer or include your personal identifying information.

Technology We Use on Our Websites

Various tools are used to gather and analyze website visits and sessions to help make your online experience better. One of the ways we gather information about customer visits is through cookies.

Cookies are electronic files recorded by your browser that retain information about your Website visits on your computer’s hard drive. We use cookies to record information on customers’ visits and use of our Website in order to administer and improve our Website. We do not use cookies to store or transmit any personal identifying information. Temporary “session” cookies are also used to facilitate customer navigation within our Site during their visit. “Session” cookies are deleted once you close your Internet browser. We may also use “persistent” cookies that are retained on your computer after your visit ends so we can identity your preferences and enhance your next visit to our Website. In addition, cookies help us manage and monitor Internet traffic from third-party websites to ours as well as which areas of our Website are used most often and for how long. We may provide this type of Aggregate Information to non-affiliated application service providers that compile statistical or other information for us. This feedback and analysis allows us to continually update our Website. You can block cookies by changing the settings on your Internet browser or through the use of software programs specifically designed to block cookies. You should be aware that by blocking cookies or using certain security software settings that these actions may prevent you from logging onto your accounts or limit your online activities.

Clear GIFs or pixel tags—are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages).  They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services.  These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement. This information is anonymous and does not include identifiable customer or personal information. Again, this data is used to continually improve our Website and your visits.

Heat mapping and session recording

Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Some of these services may record sessions and make them available for later visual playback.

Mouseflow is a session recording and heat mapping service that collects information about the browser (type, version, screen size, etc.), basic information about the user (IP address, language, time zone), and data containing mouse movements, clicks, scroll events. No personal data is ever sent or shared between websites. This website uses Mouseflow, a third-party analytics tool, to track page content and click/touch, movement, and scroll activity. You can opt-out at http://mouseflow.com/opt-out

Online advertising

You will see advertisements when you use some of our online services.  These advertisements may be for our own products or services.  Which advertisements you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of banking activity).  To that end, where permitted by applicable law, we may share with others the information we collect from and about you.

Online behavioral advertising (also known as “OBA” or “interest-based advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information).  Certain companies we work with may set cookies and use related tracking technologies, such as the clear GIFs discussed above, throughout our online services or in our communications to support these OBA efforts.  If you do not want your information collected and used by the companies we work with for OBA purposes, you can opt out of this form of OBA by following the instructions in the next section.

Opting Out of “Online Behavioral Advertising” (OBA)

There are two (2) ways that you can opt out of OBA from certain ads on third-party websites. One way is through the cross-industry Self-Regulatory Program for Online Behavioral Advertising(Opens Overlay) managed by the Digital Advertising Alliance (DAA). To opt out of OBA, please click on the following link and follow the instructions: http://youradchoices.com(Opens Overlay). Another way to opt out of OBA is by clicking on the Advertising Options Icon featured on certain Bank Midwest ads on third-party websites. When clicked it (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA.  If you choose to opt out, our service provider will communicate your opt out election to the relevant third-party advertising partners and a cookie will be placed on your browser indicating your decision to opt out.

Bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information for OBA purposes, you will need to opt out of OBA from each browser on each of the computers and devices that you use.  Please note that even if you opt out of OBA, you may still receive advertisements from us; they just won’t be customized based on your web-browsing activities on third-party websites.

Use of Customer Information

We use information provided by Website visitors consistent with their actions (such as applying for a product or service, opening accounts, requesting information, assisting in completing transactions, or for employment inquiries and applications) and with other disclosures and agreements on our Website. We may aggregate individual visitor or customer information for further analysis.

Disclosure of Customer Information

We may disclose customer and visitor information, as permitted by law, and: (1) consistent with our privacy notices and other account disclosures; (2) to comply with applicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with legal processes; (5) for security purposes and to protect our customers, Website, brand, or other Bank Midwest legal interests.

Children’s Online Privacy Protection Act Information

This Website is not directed to children. We do not market to children, nor do we knowingly collect or retain personally identifiable information from children.

Security Practices

We continually review our security safeguards in order to protect customer and visitor information that we gather, transmit, and store in connection with our Website. Please see the security section on this Website for additional information on how we protect your information as well as steps you can take yourself to enjoy a safe and secure online experience.

Remember to educate yourself on scams and threats and to maintain your computer operating system and data security software up to date. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN(s). If you receive such an email request, please email us at customersupport@bankmidwest.com immediately.

Third-Party Web Linking Practices

We may partner with reputable third-party companies to help provide additional products and services or information to you online. These third parties are always subject to a detailed evaluation process to review their relevant business practices; however, they may have different online disclosures, including security and privacy practices, than Bank Midwest. Accordingly, when we link you to a third-party website using a hyperlink, we will notify you that you are leaving a Website under our direct control and subject to our policies, so that you can review their respective disclosures and policies.

In some cases we may also enter into co-branded relationships with other parties on the Internet to offer you additional products, services, or information. These co-branded websites may also use a hyperlink, and disclose they are “brought to you by,” “powered by,” “provided by,” or contain another company’s logo. In these circumstances our online disclosures, including security and privacy practices, still apply.

Online Surveys and Sweepstakes

We may conduct online surveys and contests from time to time in connection with the Website. You are not required to complete online surveys, sweepstakes, or promotions. Please refer to the rules for each sweepstakes or promotion as to specific requirements as well as how information that is obtained may be used consistent with our Privacy Policy and other disclosures.

Online Planning Tools

We make planning tools, such as mortgage and savings calculators, available. We do not currently store information that you enter into one of these planning tools or calculators. We do not represent the accuracy and use of these tools and you should independently verify the results

Effective Date and Policy Changes

This Online Policy is effective as of July 1, 2017. We reserve the right to change or amend this Online Privacy Policy at any time. Changes will be effective as of posting to the Website.