Sturgis Bank Mobile Banking Application Privacy Policy

Effective Date: January 26, 2026

Sturgis Bank (“Sturgis,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us through the Sturgis Bank Mobile Banking Application (the “App”) and related services (collectively, the “Services”). This Mobile Banking Application Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the App.

This policy is modeled on industry standards for financial institutions and is intended to be read together with Sturgis Bank’s general Privacy Notice.

Types of Information We Collect

Personal Information You Provide to Us

When you use the App or create an account, we may collect personal information that you voluntarily provide, including:

First and last name
Mailing address
Email address
Telephone number
Social Security number or other government-issued identifiers
Login credentials and authentication information

We also collect financial and transaction information necessary to provide mobile banking services, such as:

Bank account numbers
Payment card numbers and expiration dates
Card verification information
Transaction history and payment activity

If you contact us for support, provide feedback, or communicate with us by email or other channels, we may collect your name, contact information, and the content of your communications.

Personal Information Collected from Third Parties

To provide certain Services and to comply with legal and regulatory obligations, we may collect information about you from third parties, including:

Identity verification services
Consumer reporting agencies and credit bureaus
Fraud prevention and authentication providers

This information may be used to verify your identity, prevent fraud, and maintain the security of your accounts.

WHAT WE DO

Personal Information Collected Automatically via Technology

When you access or use the App, we and our service providers may automatically collect certain information, including:

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.

Location Information

If you enable location services on your mobile device and consent when prompted, we may collect location data, including when the App is running in the background. This information may be used for purposes such as fraud detection, security monitoring, and regulatory compliance.

You may decline or withdraw consent by adjusting your device’s location settings; however, certain features of the App may be limited as a result.

How We Use Your Information

We use the information we collect to:

Provide, operate, and maintain the App and Services
Authenticate your identity and process transactions
Monitor and prevent fraud, unauthorized access, and security threats
Communicate with you regarding your accounts, transactions, and updates
Respond to inquiries and provide customer support
Comply with legal, regulatory, and contractual obligations

How We Share Information

We may share your information as permitted or required by law, including:

With service providers and vendors who perform services on our behalf
With affiliates and subsidiaries of Sturgis Bank
With regulators, government authorities, or law enforcement when required
In connection with fraud prevention, security monitoring, or risk management

We do not sell your personal information.

Data Security

We use administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. Despite these measures, no system can be guaranteed to be 100% secure.

Your Choices and Controls

You may:

Update certain personal information through the App
Control cookies and tracking through your device settings
Enable or disable location services at the device level

Updates to This Policy

We may update this Mobile Banking Application Privacy Policy from time to time. When we do, we will revise the effective date and provide notice as required by law.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

Sturgis Bank & Trust Company
113-125 E Chicago Rd, Sturgis, MI 49091

Phone: 269-651-9345 or toll-free 888-255-7372