Disclosures

  

Privacy Policy

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages, read product information or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

  • The name of your Internet service provider.
  • The web site that referred you to us (if any).
  • The date and time the pages were accessed.
  • The page or pages you requested.

There are instances where you may elect to provide us with personal information. We collect nonpublic personal information about you from the following sources:

  • If you fill out one of our feedback or request forms or send us e-mail, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. And this is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization, except as permitted by law.
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from a consumer reporting agency.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

When you submit personally identifying information via one of our application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our website. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us e-mail or use our feedback form but only when you use your web browser with one of our site's application forms.

We hope you find our website useful and informative. We are always willing to answer questions and receive suggestions. If you have either, please e-mail the webmaster at askfmub@fmub.bank. Thank you.

* We reserve the right to change our privacy policy. A revised policy statement will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 30 days prior to its effective date. Approved: March 21, 2012

S.A.F.E. Act Notice of Availability

Farmers & Merchants Union Bank follows the standards for licensing and registration established by the Safe and Fair Enforcement for Mortgage Licensing Act of 2008. To obtain information on employees, who originate residential mortgage loans and are registered with the Nationwide Mortgage Licensing System and Registry, please contact:

Farmers & Merchants Union Bank
Attn: S.A.F.E. Act Officer
159 West James Street
P.O. Box 226
Columbus, WI 53925

Designated Address for Notice of Error or Requests for Information

All customers must use the following address to assert an error or request information regarding their mortgage loan with the Bank:

Farmers & Merchants Union Bank
159 W. James St.
P.O. Box 226
Columbus, WI 53925

The Notice of Request must be in writing and include:

  • Your name;
  • Information to enable us to identify the mortgage loan account; and
  • The error you believe has occurred and/or a statement of the information you are requesting.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications: ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions is also available at this website.

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