Metropolitan Commercial Bank® desires to provide a positive customer experience to all our customers, and we aim to promote accessibility and inclusion. Our goal is to permit our customers to gather information and transact business through our website.
Whether you are using assistive technologies like a screen reader, a magnifier, voice recognition software, or captions for videos, our goal is to make your use of our website a successful and enjoyable experience.
We are taking a variety of steps and devoting resources to further enhance the accessibility of our website. We work with accessibility and usability specialists, and people with disabilities to conduct website audits and provide recommendations to increase accessibility. In addition to following regulatory guidelines, we consistently look for improvements in performance and speed.
We are proud of the efforts that we have completed and that are in-progress to ensure that our website is accessible to everyone. At Metropolitan Commercial Bank we view accessibility as an ongoing process.
If you have difficulty using or accessing any element of this website or on any Metropolitan Commercial Bank mobile app or tool, please feel free to contact us and we will work with you to provide the information, item, or transaction you seek through a communication method that is accessible for you consistent with applicable law (for example, through telephone support).
We invite you to contact us at [email protected] or 212 365-6750 with your feedback or suggestions as to how we can improve the accessibility of this website.
We at Metropolitan Commercial Bank (“MCB,” “we,” “us,” or “our”) have created this Online Privacy Policy (“policy”) because we know that you care about how information you provide to us is used and shared. This Online Privacy Policy relates to the information collection and use practices of MCB in connection with our website located at https://www.mcbankny.com (the “Website”).
By visiting our Website, you are agreeing to the terms of this Online Privacy Policy.
In the course of operating the Website, MCB may collect the following types of information.
1. Personal Information
When you request information about our products and services or sign up or submit a request to receive information from us, you may be required to provide us with personal information about yourself, such as your name, company, title, address, e-mail address, and phone number. We do not collect any personal information from you when you access and use the Website for informational purposes unless you provide such information voluntarily. We do not recommend that you provide any personal information to us through the Website except for use of our online services as described immediately below. All information we collect and/or receive under this section is collectively called “Personal Information.” When you use our online services through our Website, such as online banking or mobile banking, we and third party service providers acting on our behalf may request Personal Information from you solely for the purpose of providing the service to you. This personal information is, in general, limited to your company ID, user ID, facility ID, login, username, and/or password to access such online services.
2. Other Information
In addition to the Personal Information, we may collect additional information (collectively, the “Other Information”). Such Other Information may include:
a. From Your Activity. Information that we or our technology providers may automatically collect when you visit, access, and/or use the Website, such as your IP addresses, Internet service provider, browser type and language, referring and exit pages and URLs, date and time, amount of time spent on particular pages, what sections of the Website you visit, number of links you click while on the Website, search terms, and operating system.
b. From Cookies or Other Tracking Mechanisms. Information that we may collect using “cookie” technology or other tracking mechanisms. Cookies are small files of data that a website stores on your device so that your device will “remember” information about your visit. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device until you delete them) to help us collect Other Information and to enhance your experience using the Website. If you do not want us to place a cookie on your device, you may be able to turn that feature off on your device. Please consult your Internet browser’s documentation for information on how to do this and how to delete persistent cookies. However, if you decide not to accept cookies from us, the Website may not function properly. We may use tracking data to help us tailor and optimize our website and potentially provide you relevant MCB advertisements outside of our Website.
We may use the Personal Information and the Other Information (collectively, the “Information”) to administer our marketing programs; to improve our Website and services to you; to request your feedback; and to inform you about our products and services.
We may also use and/or share Information as described below.
You may manage your receipt of marketing and communications via e-mail by clicking on the “unsubscribe” link located on the bottom of any MCB marketing e-mail, as required by law. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our subscription databases.
MCB will treat as confidential any information it collects. MCB maintains an Information Security Program that provides guiding policies and procedures that promote practices and methodologies that protect the security and confidentiality of this information by limiting employee access to and use of this information. We take commercially reasonable steps to protect the Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee that the Information that you supply will not be intercepted while being transmitted over the Internet. In particular, e-mail sent to or from the Website may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail. For more information regarding this policy, call us at 800-852-7632.
The Website may contain links to third-party websites. MCB has no control over the privacy practices or the content of these websites. As such, we are not responsible for the content or the privacy policies of those third-party websites. You should check the applicable third-party privacy policy and terms of use when visiting any other websites.
MCB’s Investor Relations website located at https://investors.mcbankny.com/corporate-profile is hosted and operated by third party provider Q4 Inc. on behalf of MCB. Please refer to Q4 Inc.’s online privacy policy located at https://www.q4inc.com/privacy-center for more information on how your information is collected and used when you access MCB’s Investor Relations website.
When you visit pages that are “owned” by MCB through social media platforms, such as Facebook, LinkedIn, Twitter, etc., you understand that you are subject to the privacy policy of the social media platform and MCB has no control over the privacy practices, the content, or the information collected by these social media platform websites. MCB advises you to be cautious of pages on social media platforms appearing to be owned or operated by MCB but are not.
From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents.
For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
This Online Privacy Policy is effective as of the date set forth below. We may change this policy from time to time. By accessing and/or using the Website after we make any such changes to this policy, you are deemed to have accepted such changes. Please be aware that, to the extent permitted by applicable law, our use of the Information is governed by the Online Privacy Policy in effect at the time we collect the Information. Please refer back to this Online Privacy Policy on a regular basis.
Effective Date: April 27, 2021
METROPOLITAN COMMERCIAL BANK’s® Web Site is a service to our customers and visitors. Metropolitan Commercial Bank® of New York and its subsidiaries (“METROPOLITAN COMMERCIAL BANK® “) provide the materials contained at our site on the World Wide Web (the “Site”) as a service to our customers and visitors. METROPOLITAN COMMERCIAL BANK® requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. METROPOLITAN COMMERCIAL BANK® may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to METROPOLITAN COMMERCIAL BANK® include its affiliates, directors and employees.
User access to and use of the Site are subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. New York law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.
The information contained at the Site, including but not limited to text and images herein and their arrangement, are copyrighted by METROPOLITAN COMMERCIAL BANK®. All rights reserved.
METROPOLITAN COMMERCIAL BANK® and its logo are trademarks of METROPOLITAN COMMERCIAL BANK®. All other trademarks are property of METROPOLITAN COMMERCIAL BANK® unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of METROPOLITAN COMMERCIAL BANK® or of any third party.
You are authorized by METROPOLITAN COMMERCIAL BANK® to copy, transmit or display any information registered or owned by METROPOLITAN COMMERCIAL BANK® on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without METROPOLITAN COMMERCIAL BANK’s® prior written consent.
The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties.
INFORMATION ON THE SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
The information contained at the Site may include technical inaccuracies or typographical errors. METROPOLITAN COMMERCIAL BANK® from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. METROPOLITAN COMMERCIAL BANK® assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.
IN NO EVENT SHALL METROPOLITAN COMMERCIAL BANK® BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).
Some of the Web sites listed as links herein are not under the control of METROPOLITAN COMMERCIAL BANK®, but rather are exclusively controlled by third parties. Accordingly, METROPOLITAN COMMERCIAL BANK® makes no representations whatsoever concerning such Web sites. Although METROPOLITAN COMMERCIAL BANK® may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by METROPOLITAN COMMERCIAL BANK® with respect to such Web site, its owners or its providers.
METROPOLITAN COMMERCIAL BANK® is providing these links only as a convenience to you. METROPOLITAN COMMERCIAL BANK® has not tested any information, products or software found on such Web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
IN NO EVENT WILL METROPOLITAN COMMERCIAL BANK® BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Regardless of whether you have chosen to opt out of certain marketing offers from METROPOLITAN COMMERCIAL BANK®, by using METROPOLITAN COMMERCIAL BANK® Online you agree that we may market our services by the use of banner ads, “hyper-links,” and other similar marketing devices. Products offered will be at the sole discretion of METROPOLITAN COMMERCIAL BANK®, and may be provided by companies not affiliated with METROPOLITAN COMMERCIAL BANK®. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. METROPOLITAN COMMERCIAL BANK® does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.
Any comments or materials sent to METROPOLITAN COMMERCIAL BANK®, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively “Feedback”), shall be deemed to be the property of METROPOLITAN COMMERCIAL BANK®. METROPOLITAN COMMERCIAL BANK’s® use of the Feedback will be in compliance with the METROPOLITAN COMMERCIAL BANK® Privacy Notice, which is set forth on the Site, and applicable laws. METROPOLITAN COMMERCIAL BANK® shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, METROPOLITAN COMMERCIAL BANK® shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to METROPOLITAN COMMERCIAL BANK® shall be treated confidentially to the extent required by applicable law or as disclosed in the application.
METROPOLITAN COMMERCIAL BANK® DOES NOT WARRANT OR GUARANTEE THE ACCURACY OR THE COMPLETENESS OF INFORMATION PROVIDED HEREIN WITH RESPECT TO THE INVESTMENT-RELATED INFORMATION THAT MAY BE AVAILABLE BY HYPERLINK OR OTHERWISE. UNDER NO CIRCUMSTANCES WILL METROPOLITAN COMMERCIAL BANK® BE LIABLE FOR ANY LOSS OR DIRECT, INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY RELIANCE ON THIS INFORMATION OR FOR THE RISKS OF THE STOCK MARKET.
METROPOLITAN COMMERCIAL BANK® reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site.
YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS METROPOLITAN COMMERCIAL BANK® FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.
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The California Consumer Privacy Act (“CCPA”) applies to “California Residents” only and provides them with control over the Personal Information that businesses collect about them, including the right to know what information is collected on them and how it is used and shared, subject to exceptions; the right to delete such personal information, subject to exceptions; the right to opt-out of the sale of their personal information, if applicable; and the right to non-discrimination for exercising their rights under the CCPA.
This CCPA Privacy Notice outlines how Metropolitan Commercial Bank (“MCB”, “we”, “us”, “our”) collects, uses, and shares Personal Information in compliance with the CCPA and supplements MCB’s Privacy Policy only for California Residents. “You” and “your” refer to California Residents.
California Resident is defined under the CCPA as a natural person who resides in California, even if the person is temporarily outside of the state, and does not include a corporation or other business entity.
Personal Information is defined under the CCPA as information that identifies, relates to, or could reasonably be linked with you or your household. The CCPA provides exclusions for certain Personal Information, such as Personal Information collected, processed, sold or disclosed pursuant to the Gramm-Leach-Bliley Act or the federal Fair Credit Reporting Act.
The categories of personal information MCB may have collected about you in the preceding 12 months is as follows:
We may have collected the Personal Information listed above from the following categories of third party sources:
Depending on our relationship with you, MCB’s business purpose for collecting Personal Information may include:
The following is a list of categories of personal information MCB may have shared with third parties for our business purposes in the preceding 12 months:
MCB may have disclosed the Personal Information described above for our business purposes to the following categories of third parties:
The Right to Know: If you are a California Resident, you have the right to request that we disclose to you:
The Right to Delete: A California Resident also has the right to request that we delete any Personal Information that we have collected from you.
Both of these rights are subject to exceptions. For examples, we are not required to comply with a request to delete Personal Information if the Personal Information is necessary for us to complete a transaction for which the information was collected, or if we must retain the Personal Information to comply with a legal obligation. Certain Personal Information also is not subject to the CCPA.
California Residents may submit a Request to Know and/or a Request to Delete Personal Information described in this CCPA Privacy Policy and Notice, subject to limitations and exceptions, by:
(1) By calling us at 800-852-7632 (toll-free);(2) Submitting a request on MCB’s website, at https://www.mcbankny.com/ccpa-request; or(3) Sending an email to [email protected]
When we receive a Request to Know and/or Request to Delete from you we will verify your identity to confirm the Personal Information we maintain relates to you. We may request information from you, not limited to your name, address, and contact information, in order to verify your identity. We may use a two-step process for online Requests to Delete where you must first submit the Request to Delete and then second, we will separately confirm you want your Personal Information deleted. If you submit a request on behalf of another individual, we may require proof that you are authorized to submit such a request on behalf of that individual.
MCB has not sold Personal Information about California Residents in the preceding 12 months. To our knowledge, we never sell the Personal Information of California Residents under 16 years of age.
You have the right to be free from discriminatory treatment for exercising your privacy rights under the CCPA.
For questions or concerns about MCB’s privacy policies and practices, send an email to [email protected].
Effective: January 1, 2020Updated: April 19, 2021
Rev. 11/2020
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number• Account balances• Transaction history
• Account transactions• Checking account information• Wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Metropolitan Commercial Bank share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes – to offer our product and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes – information about your transactions and experiences
We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness
For nonaffiliates to market to you
Questions?
Call 1-866-363-8226 or go to www.mcbankny.com
What we do
How does Metropolitan Commercial Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Metropolitan Commercial Bank collect my personal information?
We collect your personal information, for example, when you
• Open an account• Apply for financing• Provide account information
• Give us your contact information• Show your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes – information about your creditworthiness• affiliates from using your information to market to you• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
• Metropolitan Commercial Bank does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
• Metropolitan Commercial Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include credit card account companies.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. Further, we may collect personally identifiable information about you through our website, including but not limited to your first and last name, home address, e-mail address, telephone number, or any other identifier that permits the physical or online contacting of a specific individual. If we change our privacy policy for our website, you will be notified as required by law.For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.For Vermont Customers.• We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.• Additional information concerning our privacy policies can be found at www.mcbankny.com or call 1-866-363-8226.
