Privacy & Legal

At Alerus, we have a strong commitment to protecting the confidentiality and privacy of our clients. Know that we will never ask for your password, Social Security number, account numbers, or other personally identifiable information through text message or unsecured email. This information may be requested during a phone call with an Alerus Client Service Representative or upon registering for an online account.

 

Personal Information

Revised 10/2018

Download the pdf version

 

What does Alerus do with your personal information?

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.

The types of personal information we collect and share depend on the product or service you have with us.

The information can include:

All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Alerus chooses to share; and whether you can limit this sharing

Reasons we can share your personal information Does Alerus
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 products and services to you. Yes No
For joint marketing with other financial companies. Yes No
For our affiliates’ everyday business purposes — information about your transactions and experience. No We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness. No We don’t share
For our affiliates to market to you. No We don’t share
For nonaffiliates to market to you. No We don’t share

 

To limit our sharing

Call toll free—800.279.3200—our Client Service Center will assist you with your choice. You can contact us at any time to limit our sharing.

PLEASE NOTE: If you are a new client, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our client, we continue to share your information as described in this notice.

Questions?

Call 800.279.3200 or go to Alerus.com.

Who is providing this notice?

Alerus and its affiliates (please see Affiliate definition following for list).

How does Alerus 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 further restrict access to your information to only those employees who need to know that information in order to provide products and services to you.

How does Alerus collect my personal information?

We collect your personal information, for example, when you:

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:

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

 

DEFINITIONS

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

Our affiliates include companies with an Alerus name—financial companies such as Alerus Financial Corporation and Alerus Financial, N.A.

Nonaffiliates –  Companies not related by common ownership or control. They can be financial and nonfinancial companies. Alerus 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 securities broker-dealer companies

OTHER IMPORTANT INFORMATION

For North Dakota residents only:

We will not share personal information with nonaffiliates for them to market to you or for joint marketing without your consent.


Online Privacy Statement

Last Updated February 25, 2020

The Online Privacy Statement applies to Alerus Financial, National Association and its divisions (“Alerus” or “we”). Alerus is committed to safeguarding the privacy and security of your Personal Information on our online or mobile websites (Sites) and mobile applications (Apps).
When you visit our Sites or Apps, we may collect Anonymous Information or Personal Information (or both) from and about you. This Statement describes how Alerus Financial collects, shares and uses information collected. In general, we gather information that helps us protect website users, maintain security of our website apps, and enhance the quality of our Sites and Apps. We encourage you to read the information below to learn more details.

  1. Information We Collect
  2. How We Collect Your Information
  3. How We Use Information We Collect
  4. How We Share Information We Collect
  5. Online Tracking and Digital Advertising
  6. Other Information Collected Automatically
  7. Data Security
  8. Children’s Online Privacy
  9. California Consumer Privacy Act
  10. Changes to the Online Privacy Policy
  11. Contact Us

1. Information We Collect

We collect two basic types of information through the Services – personal information and anonymous information. We also collect location information in connection with our mobile applications.

“Personal information” refers to information that either alone or when combined with other information identifies (whether directly or indirectly) you as an individual.  Personal information includes information you submit by completing forms, surveys, applications or other documents through our Sites and Apps.  Examples may include your name, postal address, email address, telephone number, Social Security number, driver’s license number, date of birth or account information.

“Anonymous information” means information that does not directly or indirectly identify, and cannot reasonably be used to identify, you as an individual.  Examples may include information about your Internet browser, information about the pages you visit on our Sites, information collected through tracking technologies (see “Online Tracking and Advertising” for additional information regarding our use of tracking technologies), demographic information that you provide to us (e.g., your household income) and aggregated or de-identified data.

“Location information” means information that may be collected by certain mobile applications that identifies your physical location.

2. How We Collect Your Information

We collect personal information from you or about you when you (or your agent) provide this information to us directly, for example when you complete surveys or applications or request information from us through our Sites or Apps. We may also collect information about you indirectly through providing services to you.  We may also receive information about you from other sources, such as public databases or other third parties.

In addition, we may collect information about your activity on the Services automatically using tracking technologies, such as cookies, and pixel tags. Definitions for the tracking technologies we use, as well as information regarding how to disable them, are available in the Online Tracking and Digital Advertising section of the Statement.

3. How We Use Information We Collect

We may use information that we collect in order to, among other things:

4. How We Share Information We Collect

We will not share your personal information, except for under limited circumstances and as required by law.

5. Online Tracking and Digital Advertising

In our efforts to deliver relevant digital advertising to you, we utilize cookies and beacons to evaluate our Sites and our Apps to track digital advertising performance. To do this, we engage third party service providers to conduct these activities on our behalf. We call these third parties “Analytics Providers” and we use them to enhance Online Behavioral Advertising, or “OBA.” OBA helps us to deliver advertising content that is more likely to be of interest to you, and we use OBA information and other information about your activities on our Sites and Apps to help us determine which of our ads are more likely to appeal to you. The digital advertising information collected by our Analytics Providers is anonymous. For more information on your choices regarding OBA, please visit www.youradchoices.com.

Information collected through tracking technologies is used for many purposes including, for example, to:

Other technologies. We may use other technologies, such as the capture of screenshots while you are using the Services, to understand how you navigate and use the Services. This information helps us to better understand how the Services are used and to improve them.

We may associate this tracking data with any personal information you provide, in which case we will treat it as personal information.

Do Not Track. There is no industry standard for how Do Not Track consumer browser settings should work on commercial websites. Due to the lack of such standards our websites do not respond to Do Not Track consumer browser settings.

We use tools including Google Analytics that utilize cookies and other similar technologies, to collect information about use of the Services anonymously and report website trends, without identifying individual visitors. To learn more, including how to opt out, visit https://tools.google.com/dlpage/gaoptout.

Behavioral Advertising Opt Out. Some tools permit personalization of content viewed by you (for example, Google has tools that aim to deliver to you advertisements that reflect your interests or past browsing history).  We may, now or in the future, make use of some of these tools.  In order for behavioral advertising opt-outs to work on your device, your browser must be set to accept cookies.  If you do not wish to participate in history/behavioral tracking to provide tailored content and advertising you may opt-out by visiting:

6. Other Information Collected Automatically

Browser or Device Information: Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the Services (such as the Application) you are using. We use this information to ensure that the Services function properly.

Application Information: When you download and use an Application, we and our service providers may track and collect usage data, such as the date and time the Application on your device accesses our servers and what information and files have been downloaded to the Application based on your device number.

IP Address: Your IP address is a number that is automatically assigned to your computer by your Internet Service Provider. An IP address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the page(s) visited. Collecting IP addresses is standard practice and is done automatically by many websites, applications and other services. We use IP addresses for purposes such as calculating usage levels, helping diagnose server problems and administering the Services.

7. Data Security

Your privacy is very important to Alerus and we are committed to protecting your personal information from unauthorized access or use. We use a variety of physical, administrative and technical features to protect personal information within our organization. However, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the ‘Contact Us’ section below.

In addition, Alerus protects customers from liability for unauthorized online transactions. Certain conditions and limitations may apply. See your Terms and Conditions of Your Deposit Account Agreement and the Electronic Funds Transfers Rights and Responsibilities section in the Terms of Use – MY ALERUS for details.

8. Children’s Online Privacy

Our Sites and our Apps are not intended for children under the age of 13. Please do not access or use our Sites or our Apps if you are under 13 years of age. By using our Sites or using our Apps, you affirm that you are over the age of 13. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

9. California Consumer Privacy Act

For more information about how the Bank uses and shares the Personal Information it collects, and the rights of California residents under the California Consumer Privacy Act, visit:

10. Changes to the Online Privacy Policy

From time to time, we may make changes to this Statement in order to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We encourage you to review the Statement  periodically to ensure that you understand how we collect, use and share information through the Services. If we do make changes to the Statement, we will also update the “Effective Date” posted at the top of the Statement.

Any changes to the Statement will become effective when the revised Statement is posted on the Website, relevant Application or other Alerus online interface, as applicable. By continuing to use the Services following such changes, you are agreeing to accept the terms of the revised Statement.

11. Contact Us

If you have any questions or comments, we encourage you to contact Alerus Client Service Center


Privacy Statement – California

Effective Date: March 9, 2020

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Statement (Need to match titles of other privacy documents) of Alerus Financial and its divisions (collectively, “Alerus” “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

The California Consumer Privacy Act (CCPA) requires that we categorize the customer information we collect. Personal information that we collect could fall within the below categories:

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Alerus does not sell personal information.  If in the future, Alerus seeks to sell the personal information of California residents, it will provide notice and an opportunity to opt-out.

Right to Access Specific Information and Data Portability Rights.

California residents may request to be informed of the categories of information that we have collected on them within the last 12 months. Once we receive and confirm your verifiable consumer request, we will respond with:

Right to Deletion Request
California residents can request deletion of personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete transactions or services for which the information was collected or reasonably anticipated, or provide a service requested by the consumer;
  2. Detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity and prosecute those responsible for such activity;
  3. Debut or identify errors;
  4. Exercise free speech, or allow other consumers to do the same;
  5. Comply with certain sections of the California Electronic Communications Privacy Act;
  6. Engage in certain types of research where the consumer has provided informed consent;
  7. Enable solely internal uses reasonably aligned with consumer expectations;
  8. Comply with a legal obligation; or
  9. Otherwise use it internally in a lawful manner that is compatible with the context in which the consumer provided the information.

Exercising Your Rights

To exercise a right described above, please submit a California Resident CCPA Request To submit a request, you must be a California resident. To minimize the possibility that information is accessed improperly, Alerus will use reasonable methods to verify the identity of the requestor before responding. If we cannot verify the requestor, we will either deny the request or ask for additional identifying information. Alerus will respond within 45 days of the request unless additional time is required.

If you would prefer to submit a request by phone, please call us at 833.325.3787.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not: