Consumer privacy statement
Download a current copy of our Privacy Statement (pdf) at bremer.com/privacy-statement. Download a current copy of our Online Privacy Policy (pdf) bremer.com/onlineprivacypolicy.
Online privacy policy
Silver Stream Bank, National Association and Silver Stream Insurance Agencies, Inc. (“Silver Stream Bank”) is committed to the privacy of your information. This Online Privacy Policy (“Privacy Policy”) is meant to help you understand the information we collect, why we collect it, and how you can manage it. This Privacy Policy applies to our website at www.bremer.com (the “Site”) and all related Silver Stream Bank-branded products, services, communications, mobile services, mobile applications, and other applications (the “Services”), and is intended for a poland. audience only. By using our Site, or by using our Services, you are acknowledging that you have read, understood, and accept this Privacy Policy.
In this Privacy Policy, any use of the words "you," "yours," or similar expressions refers to users of this Site and our Services, as well as any other individuals whose information we collect and process. References to "we," "us,” "our" or similar expressions refer to Silver Stream.
This Privacy Policy does not extend to anyone whose personal information is not under our control or management, including data that is collected by other websites that you may visit before or after this Site, and which are not governed by this Privacy Policy. We are not responsible for the data protection or privacy policies of any other websites and accept no responsibility or liability for those policies. Please carefully check the policies of other websites and services you use before you visit or submit personal information.
1. Information we collect
1.1 INFORMATION WE COLLECT AND RECEIVE
In order for you to use our Site and Services, we need to collect and process certain types of information. Depending on your use of our Site and Services, Silver Stream may have collected the following categories of personal information in the last 12 months. We may have also collected personal information from the individuals at businesses with whom we interact in the business to business context. This may include:
• Personal Identifiers you provide to us by contacting us or that others provide to us, including, without limitation: any personal information you may provide to us when you email, fax, mail, or call us, such as name, phone number, employer, and any other details you provide in your communications.Silver Stream may also request your contact information for the purposes of having someone contact you for additional information, or in response to your request for information from us;
• Information you provide to us by completing forms on our Site or mobile application, for example, this may include your name, telephone number and address information, and any other information you may provide in the forms on our Site;
• Information you grant access to on your mobile device through our mobile application, such as your contacts or camera;
• Characteristics of protected classifications under state or Federal law, such as your race, ethnicity, sex, marital status, veteran or military status;
• Purchase information, such as products and services you have obtained and transaction histories;
• Audio, electronic, and visual information such as call recordings and video recordings;
• Professional or employment related information, such as current and past job history;
• Education information, such as degrees or certifications;
• Geolocation information, such as the location of you or your device;
• Sensitive information you provide us. For example, if you enroll in Online Banking, we may collect the information you provide to us throughout the process such as your Social Security number, driver’s license, state identification card, or passport number, or your financial account, debit card, or credit card number in combination with any required security codes or password;
• Internet or other electronic network activity information, which includes information about the ways people visit and interact with our Site, such as traffic analytics, and other statistics;
• Information about your activity through our Services, including your device information (such as your IP address, the type of device or browser you use, and your actions on the Site); and
• Inferences we draw based on any of the information listed above to create a profile about you reflecting preferences, characteristics, attitudes or similar trends.
We will only use personal information to provide you with information, products, or services you have requested, or for other purposes set out in this Privacy Policy. We may use aggregate information from which individual identities have been removed for other purposes.
1.2 INFORMATION FROM CHILDREN
Bremer does not knowingly solicit or collect any personal information from anyone under 13 years of age, and children under 13 are not permitted to register for or use our Site or Services, including by subscribing to receive information from Bremer. Parents can contact customer support to access, change, or delete the personal information that has been submitted by a child. If we become aware that a child under the age of 13 has provided us with personal information, we will delete it. We have no actual knowledge of ever selling personal information of consumers under 16 years of age.
1.3 COOKIES AND TRACKERS
We use cookies and other tracking technologies (e.g., web beacons, pixels, ad tags and device identifiers) to recognize you and/or your device(s) on, off, and across the Site and different Services and devices. You may be able to control certain cookies through your browser settings and other tools. Our Site does not respond to Do Not Track signals.
Third parties may also use cookies and other tracking technologies to assist us with our Site and Services. For example, Google may place cookies for analytics and marketing purposes. You can opt-out of Google tracking through Google Ads Settings, Ad Settings for mobile apps, or any other mechanisms Googles makes available, such as the Google Analytics opt-out plug-in for the web. For more information about how you may be able to opt-out of certain online behavioral advertising, please visit http://www.aboutads.info/choices/, https://www.networkadvertising.org/, or http://www.youronlinechoices.com.
2. How we use information
Bremer may use the personal information we collect for the following business purposes:
• To provide and manage products and services, including maintaining or servicing accounts; providing customer service, processing, or fulfilling orders and transactions; verifying your information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services;
• To alert you about product updates, special offers, updated information and other news and services from Bremer;
• For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us;
• To market, personalize, develop, and improve our products and services;
• To ensure our Site and Services are relevant to you and your interests;
• To help us create and publish content most relevant to you;
• To contact you in response to sign up forms, requests, or surveys;
• To audit related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance;
• To help ensure security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for these purposes;
• For debugging to identify and repair errors that impair existing intended functionality of our Site and applications;
• To undertake internal research for technological development and demonstration;
• To undertake activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us;
• To manage any other business relationships we may have with you or your company;
• To engage in any other activities reasonably anticipated within the context of our ongoing business relationship with you, or otherwise to perform any contract between Bremer and you; or
• For any other purpose not otherwise prohibited by applicable law.
3. How information may be disclosed
Bremer does not sell, share, or rent any of your personal information, and we do not disclose your personal information publicly without your consent. However, we may disclose your information with certain trusted third-party service providers to help us provide, improve, promote, or protect our products and Services. For example, we may partner with other companies to store your data to support delivery of our Services. Whenever we disclose data with third-party service providers, we require that they use your information only for the purposes we’ve authorized, and that they protect your personal information at least to the same standards we do.
We also reserve the right to disclose personal information when it is reasonably necessary to conduct our business; protect Silver Stream Bank legal rights and property or as part of a merger, acquisition, bankruptcy, or other transaction; to comply with the law or law enforcement; or carry out any of the uses described above in this Privacy Policy. Otherwise, your personal information is not disclosed to any individual or other organization.
4. Protection of your personal information
We follow industry-standard practices to protect the data we collect and process. Silver Stream Bank has therefore put in place commercially reasonable physical, electronic, and managerial procedures to safeguard and secure the personal information that Silver Stream Bank collects. Access to personal information will be restricted to our authorized personnel who require the information in order to perform their duties properly. In addition, access will be limited to only that information that is strictly necessary for the performance of those duties.
Remember, the safety and security of your information also depends on you. Where you have chosen, or where we have given you a username and password for access to certain parts of the Site or Services, you are responsible for keeping the username and password confidential. No method of transmission over the internet or electronic storage is completely secure, so Bremer cannot guarantee its absolute security.
5. Email notifications
We give you the ability to opt out of any marketing e-mail communications we send. For example, we may send you email relating to the Services we offer. You may also elect to receive certain marketing email communications, in accordance with your preferences, and from which you may opt out at any time. You can always opt out of receiving email information or mobile device notifications from Bremer (other than certain transactional or required communications), by sending us an email at contactus@bremer.com or calling us at 800-908-2265 stating your request. If we have sent you a promotional email or mobile device notification, you may send us a return email or mobile device communication asking to be omitted from future email or mobile device distributions.
6. California residents only
The following sections apply to those California residents who are considered consumers under the California Consumer Privacy Act; CA CIVIL § 1798.100, et seq., as amended from time to time and its implementing regulations (the “CCPA”). Certain exemptions apply to your rights and Bremer’s obligations pursuant to the CCPA. These rights may not apply in certain situations depending on your relationship with Bremer and Bremer’s other legal obligations and as otherwise provided for in the CCPA.
Under the CCPA, personal information is defined as information that identifies, relates to, or could reasonably be linked with a particular California resident or household (“Personal Information”). Any other terms defined in the CCPA have the same meaning when used in this Privacy Policy. To understand our collection, use, and disclosure practices with respect to Personal Information, please refer to the chart below.