Last Updated: May 5, 2022
Thumb Mobile (the “App”) – powered by Fiserv – helps you control your 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
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”).
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, phone 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, 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 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.
HOW WE USE YOUR INFORMATION COLLECTED IN THE APP
(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
(c) 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.
does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for
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.
(c) 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.
LINKS TO OTHER SITES
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
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
(a) 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
(b) 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.
(c) 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.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you could
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.
SAFEGUARDS AND RETENTION
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.
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.
security violations to The App, please contact Thumb Bank & Trust by email to email@example.com or by mail at:
Thumb Bank & Trust
P.O. Box 560
Pigeon, MI 48755