Privacy Policies

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M1 e.Services Privacy Notices

M1 Website

M1.Mobile

M1 Website Terms of Use

The Michigan One Community Credit Union Web Site is available for you dependent upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Michigan One Community Credit Union Web Site establishes your consent to all such terms, conditions, and notices.

Restrictions to Prohibited or Unlawful Use:

You are restricted from using the Michigan One Community Credit Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You are prohibited from using the Michigan One Community Credit Union Site/Services in any manner which could impair, incapacitate, overload, or damage any Michigan One Community Credit Union Site/Service(s) (or the network(s) connected to any Michigan One Community Credit Union Site/Service(s)) or interfere with any other party’s use and benefit of any Michigan One Community Credit Union Site/Service(s). You are prohibited from attempting to gain unauthorized access to any Michigan One Community Credit Union Site/Service, other accounts, computer systems or networks connected to any Michigan One Community Credit Union Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Michigan One Community Credit Union Sites/Services.

Commercial Use Restriction:

Unless otherwise specified, the Michigan One Community Credit Union Site cannot be used for commercial use and is for your personal and non-commercial use. You may not transfer, change, reproduce, replicate, distribute, transmit, display, perform, publish, license, or monetize any information, software, products or services obtained from the Michigan One Community Credit Union site.

Links to 3rd Party Sites:

The Michigan One Community Credit Union Site/Services may contain links to 3rd party Web sites (“Linked Sites”). The Linked Sites are not controlled by Michigan One Community Credit Union and Michigan One Community Credit Union is not accountable for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any modifications to a Linked Site. Michigan One Community Credit Union is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Michigan One Community Credit Union accountable if the Linked Site is not working correctly. Michigan One Community Credit Union provides these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Michigan One Community Credit Union of the site or any association with its operators. You are responsible for viewing and complying with the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Michigan One Community Credit Union Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Michigan One Community Credit Union shall not be responsible or liable for any part of any such dealings or promotions.

Access/Termination Restriction:

Michigan One Community Credit Union reserves the right to discontinue your access to the Michigan One Community Credit Union Site/Services and the related services or any portion thereof at any time, without notice. Michigan One Community Credit Union may also discontinue or suspend your access to Michigan One Community Credit Union Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Michigan One Community Credit Union. Upon termination of the Michigan One Community Credit Union Site/Service, your right to use the Michigan One Community Credit Union Site/Service immediately ceases.  Michigan One Community Credit Union shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Updates to these Terms of Use:

Michigan One Community Credit Union has the right to update the terms, conditions, and notices under which the Michigan One Community Credit Union Site/Services are offered. You are responsible for periodically reviewing these terms and conditions and additional terms. Your ongoing use of the Michigan One Community Credit Union Site/Services establishes your consent to all such terms, conditions, and notices.

Information we get from you when visiting our website and how we use cookies

We use cookies and similar technologies to identify your browser or device. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies do not contain any data that enables us to determine your actual identity, and they are useful because they allow a website to recognize a user’s device. You can find more information about cookies at: http://www.allaboutcookies.org.

i.Teller session cookies are used to verify the IP address of your computer, in order to retrieve your Multifactor Authentication information, so you do not have to re-enter your User ID and Password for every transaction. If you received a message about enabling cookies on Internet Banking, please refer to your browser's (Internet Explorer, Chrome, etc.) help menu.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences, and generally improve the user experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests.

Pixel tags are small, invisible images on a webpage or other document that allow us to set, read and modify cookies. When you visit a website, the pixel tag helps us better understand how you interact with our website by observing which pages you visited.

We use analytics tools and other third party technologies to collect non-personal information in the form of various usage and user metrics when you use our site or online services. These tools and technologies collect and analyze certain types of information, including cookies, IP addresses, device and software identifiers, referring and exit URLs, onsite behavior and usage information, features use metrics and statistics, usage and purchase history, MAC Address, mobile unique device ID, and other similar information.

The third party analytics companies who collect information on the Site and/or other online products and/or services may combine the information collected with other information they have independently collected from other websites and/or other online or mobile products and services relating to your activities across their network of websites as well as online and/or mobile products and services. Many of these companies collect and use information under their own privacy policies.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

To learn more about or opt-out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance To obtain more information and/or to opt-out of personalized advertising for Google and its partners sites, use the following link: http://adssettings.google.com. Please note, even if you opt-out of interest based advertising, you may still see other kinds of non-interest based advertising from us.

M1.Mobile App Terms of Use

M1 Mobile (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. opt

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”).

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, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), 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, such as 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, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device. Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Services.

a.) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:

• 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 and maintenance 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, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
• protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
• audit our internal processes for compliance with legal and contractual requirements and internal policies;
• enforce the terms and conditions that govern the Service; and
• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
• Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

1. In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

2. Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

3. Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

You have several choices regarding use of information on the Services.

1. How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.

2. Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.

3. Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

4. Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.