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Investment Products:
Not FDIC insured, no bank guarantee, may lose value |
PRIVACY At Alerus Financial, we take your privacy seriously and are committed to protecting it. We want you to understand what customer information we collect, how we collect it, and why. Alerus Financial includes the following companies: Alerus Financial, N.A. Alerus Financial Corporation Alerus Appraisals Corporation Alerus Securities Corporation Alerus Financial Insurance Services Why We Collect Your Information We gather information about our customers and their accounts so that we can: • Aid in the prevention of unauthorized access to your information • Design and improve our products • Provide products and services that suit your individual needs • Comply with laws and regulations that govern us The Confidentiality, Security, and Integrity of your Information We restrict access to your information 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 protect your customer information. The Information We Collect We collect customer information about you from the following sources: • Information we receive from you on applications and other forms such as your name, address, social security number, and income • Information about your transactions with us or our affiliates such as your account balance • Information we receive from a nonaffiliated third party, such as a credit bureau providing your credit history • Information we receive as a result of verifying customer information. Customer Information and Affiliates Federal law allows us to disclose transaction and experience information about you (name, address, account balance, type of account, account activity, social security number) to our affiliates for the following reasons: • To provide you with information about additional products and services • To evaluate our total relationship with you • To help you reach your financial goals We may disclose this information about you to our affiliates that offer financial services such as securities broker-dealers and insurance agents. We also reserve the right to disclose additional customer information to our affiliates, which may include transactions and experience with us such as credit card usage, payment history, deposit history, and parties to the transaction. We do not share any information we collect, in connection with offering our trust department services, with anyone (except to the extent necessary to complete transactions authorized by you). Customer Information and Nonaffiliated Third Parties We may disclose all of the information we collect, as previously noted under the heading, "The Information We Collect," to companies that perform marketing services on our behalf. This allows us to provide you with additional information about our products and services. We will not disclose customer information about you to anyone except as disclosed in this policy or as permitted by law. Information and Former Customers If you decide to close your account(s), or become an inactive customer, we will follow the privacy policies and practices as described in this notice. GLOSSARY Customer Information Our personally identifiable financial information about a customer that is considered "non-public personal information" within the meaning of the Federal Privacy Act. Our privacy policy also extends to all North Dakota commercial and agricultural customers. Non-public Personal Information 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. Affiliate 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 and controls us. Ownership Ownership does not mean complete ownership, but means owning enough to have control. Nonaffiliated Third Party A person that we do not employ or a company that is not an affiliate of ours. INTERNET PRIVACY Browsing our Site When you visit our website 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. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as: • The name of your Internet Service Provider, • The website that referred you to us (if any), • The date and time the pages were accessed, and • The page or pages you requested. About "cookies" To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information. Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose. How We Handle E-Mail When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission. This information is not given or sold to any other organization. E-Mail Security Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone or U.S. mail. On-Line Account Security We and the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you. We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you. You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources. Protecting your privacy online Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at Alerus Retirement Solutions. Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and Alerus Retirement Solutions, helping to ensure that the information remains confidential. The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers. • Windows and Unix operating systems: Netscape Navigator 4.08 of later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.01 or later. • Macintosh: Netscape Navigator 4.08 or later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.5 or later. You can download the latest version from either of the links below. Microsoft Internet Explorer Netscape Navigator PROTECTING YOUR CHILDREN Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. UNITED STATES PATRIOT ACT Customer Identification Program When our country was attacked on September 11, 2001 our lives were forever changed. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help our government prevent the funding of terrorism, money laundering activities and various forms of fraud such as identity theft, the Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account or requests a loan. What does this mean to you? • When you open an account, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you. • We may also ask to see you driver's license or other identifying documents. In some cases, identifications may be requested from existing customers of Alerus Retirement Solutions if the original documentation was not obtained when the account was opened. Protection of our customer's identity and confidentiality is Alerus Retirement Solutions pledge to you. We proudly support all efforts to protect and maintain the security of our customers and our country. We appreciate your cooperation in our compliance with the Federal law. If you have any questions regarding the USA PATRIOT Act please contact us. |
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