Last Updated: 01/17/2023
MinnStar Bank Mobile (the “App”)– powered by Fiserv – helps you control your credit
and/or debit cards through your mobile device, making it easy to manage your finances on the
The App allows you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- deposit a check
- receive alerts
- manage cards
(e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the
collection, use and disclosure of any personal information that we and our service providers collect
from or about users in connection with the App’s website and mobile application (the
THE TYPES OF INFORMATION WE COLLECT IN THE APP
Through your use of the Services, we may collect personal information from you in the following ways:
(a) Personal Information You Provide to Us.
- We may collect personal information from you, such as your first and last name, address,
e-mail, telephone number, and social security number when you create an account.
- We will collect the financial and transaction information necessary to provide you with
the Services, including account numbers, payment card expiration date, payment card
identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, we will collect your name and email address,
as well as any other content included in the email, in order to send you a reply.
- We also collect other types of personal information that you provide voluntarily, such as
any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties. We may collect certain information from
identity verification services and consumer reporting agencies, including credit bureaus, in
order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may
automatically log information about you, your computer or mobile device, and your interaction
over time with our Services, our communications, and other online services, such as:
- 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., Wi-Fi, 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
- 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.
HOW WE USE YOUR INFORMATION COLLECTED IN THE APP
(a) General Use. In general, we use your personal information collected through your use of the
Services to respond to your requests as submitted through the Services, to provide you the Services
you request, and to help serve you better. We use your personal information, in connection with the
App, in the following ways:
- facilitate the creation of, and secure and maintain your account
- identify you as a legitimate user in our system
- provide improved administration of the Services
- provide the Services you request
- improve the quality of experience when you interact with the Services
- send you administrative e-mail notifications, such as security or support and maintenance
advisories; and send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection. We may use your personal information to:
- comply with applicable laws, lawful requests, and legal process, such as to respond to
subpoenas or requests from government authorities
- protect our, your or others’ rights, privacy, safety, or property (including by making and
defending legal claims)
- audit our internal processes for compliance with legal and contractual requirements and
- enforce the terms and conditions that govern the Service; and
- prevent, identify, investigate / deter fraudulent, harmful, unauthorized, unethical, or illegal
activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. The App may create de-identified information records from
personal information by excluding certain information (such as your name) that makes the
information personally identifiable to you. We may use this information in a form that does not
personally identify you to analyze request patterns and usage patterns to enhance our products
and services. We reserve the right to use and disclose non-identifiable information to third parties in
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described
(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy
information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or
affiliated service providers that perform services for or on behalf of us in providing the App, for
quality assurance testing; to facilitate the creation of accounts; to optimize the performance of
the Services; to provide technical support; and/or to provide other services to the App.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information,
The App may disclose your personal information to law enforcement, government authorities,
and private parties, for the compliance and protection services described above.
LINKS TO OTHER SITES
The App may contain links to third party websites. When you click on a link to any other website or
location, you will leave the App and go to another site and another entity may collect personal
and/or anonymous information from you. The App’s provision of a link to any other website or location
is for your convenience and does not signify our endorsement of such other website or location
or its contents. We have no control over, do not review, and cannot be responsible for, these
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals
to the websites and other online services with which your web browser communicates. There is
currently no standard that governs what, if anything, websites should do when they receive these
signals. We currently do not act in response to these signals. If and when a standard is established,
we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update, or correct your
information by changing preferences in your account. For additional requests, please contact
(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email
marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link
included at the bottom of the email or other electronic communication. Alternatively, you can
opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may
send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS
communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location
information through the Services, you can subsequently stop the collection of this information
at any time by changing the preferences on your mobile device. Please note, however, that if
you withdraw consent to our collection of location information, you may no longer be able to
use some features of the App.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical, and physical measures in an effort to
safeguard the information in our custody and control against theft, loss and unauthorized
access, use, modification, and disclosure. Nevertheless, transmission via the internet is not
completely secure and we cannot guarantee the security of your information.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we do not, through
the App, intentionally gather personal information about visitors who are under the age of 18. If
a child under 18 submits personal information to us through the App and we learn that the personal
information is the information of a child under 18, we will attempt to delete the information as soon
collection, use, or disclosure of your personal information by posting a notice on the Services. Any
notice of the changes on the Services. These changes will be effective immediately for new
users of the Services. If you object to any such changes, you must notify us prior to the effective
date of such changes that you wish to deactivate your account. Continued use of the Services
following notice of any such changes shall indicate your acknowledgement of such changes.
or processing practices, or if you want to report any security violations to The App, please
contact The App by email at firstname.lastname@example.org; or by mail at:
Attn: Compliance Department
201 Poplar St.
Mankato, MN 56001