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Community Bankers of Michigan Privacy Policy & Terms of Service

COMMUNITY BANKERS OF MICHIGAN (CBM) PRIVACY POLICY

This Privacy Statement sets forth the online data collection and usage policies and practices that apply to www.cbofm.org and does not apply to information we collect in any other fashion.

1. Collection of Information on www.cbofm.org (cbofm.org)

By using cbofm.org we may request that you provide personal information, including your name, mailing address, email address, telephone number and other generalized background information. Moreover, there is information about your computer hardware and software that is or may be collected by us. This information can include without limitation your IP address, browser type, domain names, access times and referring website addresses, but is not linked to your personal information. We also get information from your use of our services including how you use them. Regarding IP Address and Clickstream Data, our server automatically collects data about your server's Internet address when you visit us. When you request pages from our web site, our servers may log your IP Address and sometimes your domain name. Your IP Address is used to help identify you and to gather demographic information about our customers as a whole, but does not include personally identifiable information. Our server may also record the referring page that linked you to us (e.g., another web site or a search engine); the portions of cbofm.org you visited; any search terms you have entered on our website, or a referral site; and other web usage activity and data logged by our web servers.

2. Our Use of Your Information

We use the information we gather on cbofm.org, whether personal, demographic, collective or technical, for the purpose of operating and improving cbofm.org, fostering a positive user experience, and delivering the products and services that we offer. We may use your contact information in order to send you email or other communications regarding updates at the CBM. The nature and frequency of these messages will vary depending upon the information we have about you. We additionally may employ Internet tracking and analytic tools such as Google Analytics to better understand and deliver a user experience. We also use the information that we gather for internal system administration, to help diagnose problems with our server, and to administer our web site. Such information may also be used to gather demographic information, such as country of origin and Internet Service Provider. We may link this information with your Personal Information.

3. Disclosure of Personal Information to Others

We do not disclose your personal information to third parties, or your combined personal and demographic information or information about your use of cbofm.org, except as follows; We disclose information to companies and individuals we employ to perform functions on our behalf, including hosting our Web servers, analyzing data, providing marketing assistance, and providing customer service. These companies and individuals may have access to your personal information as necessary to perform their functions, but they may not share that information with any other third party. We will share personal information with companies, organizations or individuals outside of our website if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to (1) meet any applicable law, regulation, legal process or enforceable governmental request; (2) enforce applicable Terms of Service, including investigation of potential violations (3) detect, prevent, or otherwise address fraud, security or technical issues (4) Protect against harm to the rights, property or safety of cbofm.org, our users or the public as required or permitted by law.

4. Use of Cookies and Local Storage

cbofm.org may contain electronic images known as Web beacons (sometimes called single-pixel gifs) that allow us to count users who have visited those pages. Web beacons are not used to access your personally identifiable information; they are a technique we use to compile aggregated statistics about our Web site usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides. You may not decline web beacons, however, they can be rendered ineffective by declining all cookies or modifying your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis.

5. Access to, Opt-Out and/or Modification of Your Information

Our web site may provide account holders limited access to or the ability to modify Your personal information. Whenever you use our services, we aim to provide you with access to your personal information. If that information is wrong, we strive to give you ways to update it quickly or to delete it – unless we have to keep that information for legitimate business or legal purposes. When updating your personal information, we may ask you to verify your identity before we can act on your request.

If you are receiving newsletters, commercial emails or other communications from CBM but subsequently change your mind, you may opt-out by selecting an appropriate link in those email communications as indicated for the opt out or by sending an email to info@cbofm.org. We retain indefinitely all the information we gather about you in an effort to make your repeat use of the our web site more efficient, practical, and relevant. To the extent that we utilize the Google Analytics tools available, you have options with respect to some of those tracking tools or features available at https://tools.google.com/dlpage/gaoptout/

6. Security of the Personal Information

We have implemented commercially reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. We restrict access to personal information to CBM employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

7. Children

cbofm.org is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.

8. Changes to Privacy Statement

If we decide to materially change our Privacy Policy for our web site, we will post those changes through a prominent notice on the web site so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. If at any time, you have questions or concerns about this Privacy Policy or believe that we have not adhered to this Privacy Policy, please feel free to email us at info@cbofm.org.

9. Contact Information

cbofm.org operates under the control of Community Bankers of Michigan, a Michigan company with its principal place of business at 830 W. Lake Lansing Road, Suite 250, East Lansing, Michigan, 48823.

COMMUNITY BANKERS OF MICHIGAN (CBM) TERMS OF SERVICE

Terms of Use

This page states the Terms of Use ("Terms") under which You may use www.cbofm.org ("cbofm.org"), an on-line association management services portal and guide. Please read these Terms carefully. If You do not accept the Terms stated here, do not use our web site and its services. By using cbofm.org, You agree to be bound by these Terms, including the cbofm.org Privacy Statement.

1. Eligibility.

You must be 18 years of age or older, or the age of majority as that is defined in your jurisdiction, whichever is older, to visit or use cbofm.org in any manner. By visiting the web site or accepting these Terms, you represent and warrant that you have reached the age of majority in your jurisdiction, and that you have the right, authority and capacity to agree to and abide by these Terms. You also represent and warrant to cbofm.org that you will use the web site in a manner consistent with any and all applicable laws and regulations.

2. Use of Content.

cbofm.org authorizes You to view and access a single copy of the content available on or from cbofm.org solely for your personal use. The contents of cbofm.org, and of all other Web sites under cbofm.org's control, whether partial or otherwise. cbofm.org and such other Web sites are sometimes collectively referred to as "cbofm.org Sites") such as text, graphics, images, logos, button icons, software and other site content (collectively, "cbofm.org Content"), are protected under both United States and foreign copyright, trademark and other laws. All cbofm.org Content is the property of CBM or its content suppliers or clients.

You further agree to in no other way misuse cbofm.org Content that appears on this Site, other than those specifically permitted herein or by written agreement with CBM.  Unless specifically permitted herein or in writing by CBM the use of the cbofm.org Content on any other Web site or in a networked computer environment for any purpose is prohibited.

3. Ownership Rights.

CBM, cbofm.org and its licensors own all rights, title and interest, including without limitation all worldwide intellectual property rights in the cbofm.org Products and Services, and all such rights to all derivative works or enhancements of, in and to, or relating to, CBM Products and Services. By entering into this Agreement or by using our web site, you will not acquire any intellectual property or similar rights in the cbofm.org Products or Services other than a limited right to use the Products or Services for your personal benefit.

4. Site Restrictions.

You may not use the cbofm.org  web site in order to transmit, post, distribute, store or destroy material, including without limitation, CBM Content, (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

You agree that you will not use this web site in any manner that could damage, disable, overburden, or impair the cbofm.org site or interfere with any other party's use and enjoyment of the site. You may not obtain, use or access, or attempt to obtain, use or access, any materials or information through any means not intentionally made publicly available or provided for through the site.

5. Advertisers.

If You participate as an Advertiser, you are solely responsible for all advertising content you transmit or submit to cbofm.org or through the cbofm.org Advertiser Program, whether created by or for You, including but not limited to: (i) artwork, written content, images, photos, graphics, music, animation, data, text, information, URLs, hypertext links, scripts and the content and material included in such components; and (ii) websites and content proximately reachable from such advertising content (collectively, "Ads"). Prior to providing any Ads and Participating as a Advertiser, you may be required to read and accept additional written terms and conditions governing Your submission of Ads to cbofm.org (the "Advertiser Agreement"). cbofm.org disclaims all liability relating to your Ads and you agree to indemnify CBM for all losses cbofm.org incurs associated with the Ads.

By submitting Content for advertising to any public area of any cbofm.org site, you automatically grant to CBM and its affiliates an irrevocable, royalty-free, perpetual, fully paid non-exclusive right (including moral rights) and worldwide license to use, copy, reproduce, modify, adapt, publish, translate, communicate to the public, perform, display, and distribute such Content (in whole or in part) and to prepare derivative works of, or incorporate into other works (in any form, media or technology now known or later developed, for the full term of any rights that may exist in such content) such Content, and to grant and authorize sublicenses thereof (through multiple tiers).

The website, cbofm.org does not represent or guarantee the truthfulness, accuracy, or reliability of Advertiser Content.

6. Copyright Agent.

We respect the intellectual property rights of others, and require that the people who use the Site do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please forward the following information to cbofm.org, designated as such pursuant to the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(2), named below:

Your address, telephone number, and email address;

A description of the copyrighted work that you claim has been infringed;

A description of where the alleged infringing material is located;

A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and

A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Attn: Copyright Agent

Community Bankers of Michigan

Attn: Kate Angles

830 W. Lake Lansing Rd, Suite 250, East Lansing, MI 48823

517-336-4430

kateangles@cbofm.org

7. Liability.

cbofm.org acts as a venue for on-line association management services portal and guide. cbofm.org may take any action with respect to Content that it deems necessary or appropriate in its sole discretion if it believes that such Content could create liability for CBM, damage CBM's brand or public image, or cause cbofm.org to lose (in whole or in part) the services of its ISPs or other suppliers. While CBM reserves the right in its sole discretion to remove Content or other material from cbofm.org from time to time, CBM does not assume any obligation to do so and disclaims any liability for failing to take any such action.

The cbofm.org Sites and Content may contain inaccuracies or typographical errors. cbofm.org makes no representations about the accuracy, reliability, completeness, or timeliness of any Content. The use of all cbofm.org Content is at your own risk. Changes are periodically made to the web site and may be made at any time. We cannot guarantee and does not promise any specific results from use of CBM or any cbofm.org web site. No advice or information, whether oral or written, obtained by you from CBM or through or from cbofm.org or any other web site shall create any warranty not expressly stated herein.

8. DISCLAIMER OF WARRANTIES.

THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED "AS IS," "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR OTHERWISE, FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND ANY IMPLIED WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT, REPRESENT OR COVENANT THAT THE WEB SITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE WEB SITE WILL MEET USERS' REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. cbofm.org ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, AUDIO OR SOFTWARE FROM THE SITE. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE.

9. LIMITATION OF LIABILITY.

IN NO EVENT SHALL CBM, ITS AFFILIATES OR ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE, WHETHER IN AN ACTION BASED ON A CONTRACT INDEMNIFICATION, OBLIGATION, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE), COLLATERALLY OR ARISING FROM ANY STATUTORY DUTY, PRE-CONTRACT OR OTHER REPRESENTATIONS, OR OTHERWISE, HOWEVER ARISING, FOR ANY ECONOMIC LOSSES (INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUES, PROFITS, CONTRACTS, BUSINESS, GOODWILL OR ANTICIPATED SAVINGS) OR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, YOUR PROVISION OF INFORMATION VIA THE WEB SITE, LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Local Standards.

We do not represent that materials on the CBM web site are appropriate for use in all locations. Persons who choose to access the cbofm.org site do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

11. Links to Content and Other Sites.

cbofm.org and certain other Sites contain links to third party Web sites and content. These links are provided solely as a convenience and not as an endorsement by CBM of the contents on such third-party Web sites. cbofm.org is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third-party Web sites. If You decide to access linked third-party Web sites, you do so at your own risk.

CBM and certain other cbofm.org web sites contain links to social media sites, including but not limited testimonials. These links are provided solely as a convenience to you and not as an endorsement by CBM of the content on such social media sites. CBM, and cbofm.org is not responsible for the content, accuracy of such content, or manner in which such content is provided to these third party social media sites. You specifically agree that the use of these social media sites in conjunction with cbofm.org is at your own risk.

12. Indemnity.

You agree to defend, indemnify, and hold harmless CBM, its affiliates, and their respective officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from (i) any Content or other material You provide to any cbofm.org Site, or (ii) your breach of the terms of these Terms. cbofm.org shall provide notice to You promptly of any such claim, suit, or proceeding.

13. Miscellaneous. The Terms of Service and the relationship between you and us shall be governed by the laws of the State of Michigan, without regard to its conflict of law provisions. You agree that any cause of action that may arise under the Terms of Service shall be commenced and be heard in the appropriate court in the State of Michigan, Ingham County. You agree to submit to the personal and exclusive jurisdiction of the courts located within Ingham County in the State of Michigan. Our failure to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Service by cbofm.org must be made in writing and signed by an authorized representative of cbofm.org specifically referencing these Terms of Service and the provision to be waived. Headings used in these Terms of Service are for convenience only and are not to be relied upon. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. These Terms of Service will ensure the benefit of, and are intended to be enforceable by, CBM's successors, assigns and licensees.

14. Legal Disputes.

If any dispute arises between You, another Advertiser and/or cbofm.org or any combination thereof, as it relates to cbofm.org and this Agreement, such dispute shall be submitted and settled in accordance with the Rules of the American Arbitration Association, in Ingham County Michigan and the decision of a single English speaking arbitrator shall be final and binding.

These Terms constitute a binding agreement between You and CBM, and is accepted by You upon your use of the cbofm.org web site.

Leadership Development Award Rules and Terms

The following are the Official Rules (“Rules”) related to any person submitting an application for a James D. MacPhee Leadership Development Award.  These awards are sponsored by the Community Bankers of Michigan (“CBM”).

Eligibility

All nominees must:

  1. Be employed by a community bank which is an active member in good standing in the CBM at the time of the scholarship event.
  2. Have not been a previous winner of a James D. MacPhee Leadership Development Award for the same event. 
  1. Have at least 5 years of experience in the financial services industry.
  1. Have a nomination submitted by a senior officer of their community bank.
  2. These awards are open only to individuals, 21 years of age or older at the time of entry, who are current employees of a member community bank at the time of submitting the application. By participating in the application process, participants warrant that they are eligible to participate under these Rules. The CBM is the sole sponsor of this Award. CBM reserves the right to disqualify any Participant if Sponsor determines that Participant did not follow these Rules. Participants may be required to submit proof of their eligibility.

Entry

  1. Application must be submitted by the due date listed on the CBM website: https://www.cbofm.org/.
  2. To enter, please read and accept these Official Rules and complete the registration form available at https://www.cbofm.org/.
  3. Send a fully completed application form to: Community Bankers of Michigan, 830 W. Lake Lansing Road, Suite 250, East Lansing, MI 48823. Entries may also be emailed to info@cbofm.org.
  4. All registration information provided by entrant must be true and correct. The CBM is not responsible for lost, stolen, late, incomplete, invalid, mutilated, illegible or misdirected applications, which will be disqualified; for technical failures of any kind, including, but not limited to, electronic malfunctioning of any network, hardware or software; or for any error, human, technical or otherwise. The CBM reserves the right in its sole discretion to disqualify any individual it finds acting in violation of these Official Rules or applicable law.

Requirements

Each application must be legible and submitted by the due date listed on the CBM website. Each application must be accompanied by a recommendation from a current senior officer from the bank applying for an award. Applications which omit the above criteria and are not submitted by the due date may be rejected by the CBM.

Award Review Committee

A committee, to be selected by the CBM from the James D. MacPhee Advisory Committee or CBM/MCBSC Boards of Directors, will review all submissions.

Awards

The award shall consist of and is limited to one registration from the list of approved James D. MacPhee Leadership Development Awards. Each award has its own criteria and requirements. Some, but not all, awards include lodging, travel and/or food and beverage. Please see the application for individual award details.

Awarding Notification

The selection of the winning submissions will be made by the panel of judges 60 days prior to each event. Failure to comply with any term or condition in these Rules may result in disqualification. The CBM will attempt to notify potential winners by reasonable means, using the contact information provided on the registration form. If for any reason a potential winner cannot be reached after reasonable attempt has been made, the Award will be given to an alternate applicant. Winners are required by law to pay any applicable local, state and federal taxes, and any other charges including, but not limited to, duties, customs fees or other fees, on Awards. A 1099 form may be filed with the IRS of the United States.

General Terms and Conditions

Participating in the Award application process constitutes Participant’s full and unconditional agreement to and acceptance of these Rules. Except where prohibited by law, participation in the Award constitutes the winner’s consent to the CBM’s use of the winner’s name, city, state, county, likeness, photograph, statements made by the winner about the Award Application Process, and the CBM. BY ENTRY IN THE AWARD APPLICATION PROCESS, YOU AGREE TO RELEASE AND HOLD HARMLESS the CBM, ITS RELATED COMPANIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, AS WELL AS THE INDIVIDUAL JUDGES, FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF PARTICIPANTS PARTICIPATION IN THE AWARD APPLICATION PROCESS. THE CBM RESERVES THE RIGHT TO CANCEL OR MODIFY THIS AWARD PROGRAM FOR ITS CONVENIENCE OR IF FRAUD, TECHNICAL FAILURES OR ANY OTHER FACTOR BEYOND THE CBM’s REASONABLE CONTROL IMPAIRS THE INTEGRITY OF THE PROGRAM AS DETERMINED BY AND IN ITS SOLE DISCRETION. ANY DISPUTES ARISING FROM OR RELATING TO THE AWARD PROGRAM OR THE SELECTION OF WINNING SUBMISSIONS WILL BE RESOLVED BY AND IN ITS SOLE DISCRETION.

Miscellaneous

Participant agrees:

  1. Any and all disputes, claims, and causes of action arising out of or connected with this Award Program, or any Award, other than the administration of the Award Program or the determination of winners shall be resolved individually, and exclusively by Circuit Court for the County of Ingham, Michigan.
  2. Any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Award Program but in no event attorneys’ fees; and
  3. Under no circumstances will entrant be permitted to obtain awards for and entrant hereby waives all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules.

Sponsor

Sponsor of this Contest is the Community Bankers of Michigan on behalf of the James D. MacPhee Banking Leadership Scholarship Fund.


Official Rules and Winners List

A copy of these Official Rules will be posted at https://www.cbofm.org/. A copy of the winners list, once available, will be posted at https://www.cbofm.org/.


If you have questions, contact info@cbofm.org.