NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our customers and for those people considering doing business with Northern State Bank. When we use the words "you" and "your" we mean the following types of customers:
- All of our current and potential customers who have or may have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Individual Retirement Account where we act as custodian
· We , our and us means Northern State Bank, including all its offices
· Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
· An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
· A nonaffiliated third party is a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information from a consumer reporting agency
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
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 regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with which we have joint marketing agreements:
- Nonpublic personal information we receive from you on an application or other forms such as name and address
- Nonpublic personal information about your transactions with us such as types of accounts
Federal law allows us to disclose the information listed above with other financial institutions with which we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
The types of businesses with whom we may disclose nonpublic personal information under this section include businesses offering non-financial products or services such as our Hometown Checking package provider.
We impose a limitation on the use of nonpublic personal information disclosed to other financial institutions with which we have joint marketing agreements in that we do not allow telephone solicitations.
INTERNET AND WEBSITE PRIVACY
Our site is not designed to collect personal data on visitors and does not require you to disclose such information. If you choose to contact us via email, you do so with the understanding that your email address, domain name and similar information will be revealed. However, when you communicate with us via email, we promise to use your email information only to respond to your comments or questions. Your email address will not be sold or shared with others outside the bank unless we are required to do so by law.
Our website may allow you to enter sites maintained by other organizations. Any personal information you release on such linked Internet sites is governed by the policies of those organizations and not those of Northern State Bank.
General Information Collected
Our web server automatically recognizes a user's software information, such as domain name, without identifying the user. Your session is logged but not normally associated with anything personally identifiable. We collect information on these visits to our site that may tell us how many visitors we had, what sites they came from, which of our pages they visited and the total time of their visits. This information is used to analyze our site and is not shared with other organizations for commercial purposes.
”Cookies”
Cookies are anonymous pieces of information that our website may transfer to your computer. A cookie merely identifies the user's session and is used for saving preferences and record-keeping purposes. Cookies do not store personally-identifiable information nor can they read your hard drive. While you are connected to our website the cookie is monitored to make sure we are communicating with the machine that logged in. You may disallow cookies by taking the appropriate browser option but certain services through our website require cookies for effective delivery.
Children's Privacy
We have no way of determining the age of individuals who access our website. If personally identifiable informations is received via email from persons under the age of 18 we will respond to the communication as appropriate but only retain the information in accordance with our general information collection policy. During our NSB Online application review process if we find that an individual under the age of 18 has applied for our online banking service without the consent of their parent or guardian, the application will be declined. The individual may re-apply with the consent of his or her parent or guardian.
Your Acceptance of these Terms
By using our website, you consent to the terms of the Northern State Bank Privacy Policy. We reserve the right to make and post changes to its provisions as may be necessary with the introduction of new services or practices. Your continued use of this website after any changes means you accept those changes.