Privacy Policy and Annual Disclosure

Your Privacy
At Northwest Bank, respecting the privacy and security of your personal nonpublic information is important to us, and we believe is one of our most important responsibilities in upholding your trust. 
 
Safeguarding Customer Information
We maintain strict policies and security controls to assure that your personal nonpublic information is protected.  We educate our employees about the importance of confidentiality and customer privacy.  We restrict access to nonpublic personal information about you to those employees who need to know that information to best provide you with the products and services that meet your financial needs. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.  Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were a customer. 
 
Collection of Information
We collect, use and retain nonpublic personal information about you that we reasonably believe will be useful in providing products and services to you.  We collect this information from the following sources:

  • From you, on forms, via the Internet, by telephone or otherwise.
    Examples of this type of information include your name, address, social security number, credit history and other financial information.
  • From transactions with us or non-affiliated third parties.  For example: your payments histories, account balances, and other transaction records.
  • From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.
  • From third parties to verify information you have given us.

Use or Sharing of Information with Nonaffiliated Third Parties as Permitted by Law
We may share all the information that we collect, as described above and only as permitted by law, for the following purposes:

  • To provide you with the products and services you requested. For example: ATM, Debit or Credit Card
  • To offer you additional products and services that may be of interest to you.
  • To comply with reporting and other legal requirements.
  • To otherwise conduct business.

We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements, and with the processing and printing of checks.  These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us.
 
We do not sell information to Third Parties, and require Nonaffiliated Third Parties with whom we do share information to comply with these same Privacy Standards.
 
We may amend this privacy notice at any time, and we will inform you of changes required by law.  You can always review our current policy on our website at www.northwest-bank.com, or contact us for a copy at
1-888-906-5634.
 
OTHER WAYS TO HELP PROTECT YOUR CUSTOMER INFORMATION
 
Marketing Lists
You can reduce the amount of marketing material and credit applications you receive via mail, telephone, or email by writing the Direct Marketing Association at the addresses listed below.  These marketing companies are not affiliated with Northwest Bank.  You must provide your name, address and telephone number with your request.  Be sure to include any variations of your name or address that have appeared in mailings or telephone calls that you have received.
 
The Direct Marketing Association is responsible for notifying its members (i.e., the agencies and companies that compile mailing lists) that you want your name removed from the lists they sell.  Your name and address remains in their exclusion files for five years.

Mail Preference Service Association
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY  11735-9008

E-mail Preference Service
www.dmaconsumers.org/consumerassistance.html		 Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY  11735-9014

If you would like to have your name taken off all pre-approved credit solicitations, you can write to the following credit reporting bureaus.  Be sure to include your full name, current address, Social Security number and telephone number:

Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE  68521                                           

Trans Union LLC’ss
Name Removal Option
P.O. Box 97328
Jackson, MS  39288-7328		 Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA  30374-0123

Identity Theft
Identity theft is a serious and growing problem.  If you suspect that someone has or had unauthorized access to your account with us, or access to your personal identifying information such as your Social Security number or credit card information, please notify us immediately so we can take action to protect your accounts.  In addition, you should also report the crime to your local law enforcement agency and the Federal Trade Commission (FTC).  To speak with a trained FTC telephone counselor, call toll-free at 1-877-IDTHEFT (1-877-438-4338).  To enter information about your complaint into a secure FTC online database, go to www.consumer.gov/idtheft.