Privacy Policy

Last Revised: December, 2016

FactsWhat Does Northern Bank & Trust Company Do With Your Personal Information?
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 and income,
• Account Balances and transaction history,
• and credit history and credit scores.

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 Northern Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Northern Bank & Trust Company 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 bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes - information about your transactions and experiencesNoWe don’t share
For our affiliates’ everyday business purposes - information about your creditworthinessNoWe don’t share
For non-affiliates to market to youNoWe don’t share
Questions?
Call toll free (800) 273-6908 or contact us at nbtc.com

WHO WE ARE

Who is providing this notice?

Northern Bank & Trust Company

WHAT WE DO

How does Northern Bank & Trust Company 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 maintain physical, electronic, and procedural safeguards to guard personal information. We restrict access to those who have a business reason. We educate our employees on the importance of confidentiality.

How does Northern Bank & Trust Company collect my personal information?

We collect your personal information, for example, when you:
• open an account or apply for a loan
• pay us by check or provide account information
• use your credit or debit card


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.

DEFINITIONS

Affiliates

 

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Northern Bank & Trust Company does not share with our affiliates.

Non-affiliates

 

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Northern Bank & Trust Company does not share with nonaffiliates so they can market to you.

Joint Marketing

 

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partner include investment companies, insurance service companies, and credit card companies.

OTHER IMPORTANT INFORMATION:

The Bank has standards and practices to ensure compliance with the provisions of M.G.L. chapter 93H relative to the safeguarding of the personal information of residents of the Commonwealth of Massachusetts.

MOBILE PRIVACY DISCLOSURE

FactsWhat Does Northern Bank & Trust Company Do With Your Personal Information From The Mobile Application?
Why?The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.
• If you later change your mind, those permissions can be updated in your device's settings.
What?Some examples of information our mobile application will request access to are:

• Location
• Contacts
• Camera
• Unique device identifier
How?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, as well as oversight of our third-party providers to ensure personal information remains confidential and secure.

In the event of a data breach, we provide timely notification, in accordance with applicable laws. We also recognize the importance of protecting privacy where children are involved. Our mobile applications are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our applications. We do not knowingly collect or use personal information from children under 13.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.
Questions?Please contact Northern Bank & Trust Company’s Contact Center at 800-273-6908 (Option 0) or email us at contactcenter@nbtc.com regarding questions about the information included in this Mobile Privacy Disclosure or questions about our mobile application.