Skip to navigation

Privacy Policy

Download PDF (45 KB, PDF)

What Does ChoiceOne Do With Your Personal Information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Income
  • Account balances
  • Payment history
  • Credit history
  • Credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons ChoiceOne chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does ChoiceOne share?

Can you limit this sharing?

For our everyday business purposes – Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No

For our marketing purposes – To offer our products and services to you

Yes No

For joint marketing with other financial companies

Yes No

For our affiliates' everyday business purposes – Information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes – Information about your creditworthiness

No We don't share
For our affiliates to market you No We don't share
For non-affiliates to market you No We don't share


Questions?

Call 1-888-775-6687 or go to www.choiceone.com

Who we are

Who is providing this notice?

ChoiceOne means the following institutions: ChoiceOne Bank, ChoiceOne Financial Services, Inc. and ChoiceOne Insurance Agencies, Inc.

 

What we do

How does ChoiceOne protect my personal information? To protect your information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does ChoiceOne collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market you
  • sharing for nonaffiliates to market you

State laws and individual companies may give you additional rights to limit sharing.

See below for more on your rights under state law.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include:
    • Companies with a ChoiceOne name
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • ChoiceOne does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.

 

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates wither for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization