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.

• Consumer Privacy Policy: information about what we do with your personal information.
• Online Privacy Statement:  information about the privacy and security of your personal information using our online sites and apps.
• Privacy Statement – California: California residents may obtain additional information regarding their privacy rights
• Wireless Device Consent for Fraud Protection

Personal Information

Revised 7/2021

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:

• Social security number and income
• Account balances and payment history
• Credit history and credit score

When you are no longer our client, we continue to share your information as described in this notice.

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

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:

• Open an account or apply for a loan
• Make deposits or withdrawals from your account
• Provide account information or give us your contact information

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. See the ‘Other Important Information’ section for your rights under state law.

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

Residents of CA, CT, IL, ND, or VT: We will not share your non-public personal information with either affiliates or non-affiliates without your consent, except as permitted by state law.

Residents of NV: Nevada law requires us to disclose that you may request to be placed on our internal Do Not Call List at any time by calling 800.279.3200 or writing to Alerus, PO Box 6001, Grand Forks, ND 58206. For more information contact the Nevada Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; telephone – 702.486.3132; email – BCPINFO@ag.state.nv.us.

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:

• To fulfill or meet the reason for which the information is provided.  For example, if you provide us with personal information in order for us to open an account, we will use that information to complete the transaction requested by you.
• Provide you with, or evaluate your eligibility for, products and services that you request from us
• Communicate with you about your accounts or transactions with us
• Send you important information regarding the Sites and Apps, changes to this Policy and/or other similar administrative information
• Allow you to participate in surveys, sweepstakes, contests and similar promotions, and to administer such promotions (note that these promotions may contain additional disclosures regarding our collection and/or use of your information)
• Optimize or improve our Sites, Apps, products and services
• Detect, investigate and prevent activities that may violate our policies or be illegal
• Comply with our legal and regulatory obligations
• Enforce our terms and conditions and otherwise protect our rights and operations
• Send you offers and promotions for our products and services, or products and services that may be of interest to you;
• Personalize content and experiences on the Services;
• Verify your identity and/or location (or the identity or location of your authorized representative) for security, fraud prevention and other risk control purposes; and
• Provide you with advertising based on your activity on the Services and on third-party websites and applications. For additional information regarding our use of your information for personalization and tracking, please refer to the Online Tracking and Digital Advertising section of the Statement.

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.

• Cookies are pieces of information that are stored directly on your device.  Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively and to personalize/customize your online experience.  They allow us to collect information such as the type of browser you are using, the amount of time you spend using the Services, the websites or applications you visit and the preferences you have set up for your accounts. You can choose to have your device refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. You do this through your browser settings. Each device and each browser is a little different, so look at your device Settings or your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient and some of the Services will not function properly. Please note that you will need to manage your cookie settings for each device and browser that you use.

• Pixel tags, web beacons, clear GIFs and other similar technologies. These are typically small pieces of data that are embedded in images on the Website, our Applications or certain e-mail communications. They may involve the transmission of information directly to us, to another party on our behalf or to another party in accordance with its privacy policy. We may use these technologies to bring together information we collect about you.
• Location tracking on mobile devices. Certain applications on mobile devices may transmit information to us about your location. An example includes your physical location when you search for a nearby ATM using your mobile device. We may use that information to improve the products and services we provide to you as well as improving our services generally in your area.

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

• Provide useful features to simplify your experience when you use or return to the Services
• Deliver relevant content based on your preferences, usage patterns and location
• Monitor and evaluate the use and operation of the Services
• Analyze traffic on the Services and on websites or mobile applications of third parties

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:

• Google’s Ads Settings
• DoubleClick
• NAI opt-out

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:

• Identifiers (e.g., contact information and cookies)
• Account information
• Protected classification information (e.g., gender and ethnicity)
• Internet or electronic activity
• Geolocation
• Audio and video information
• Professional or employment information
• Biometric information
• Inferences we draw based on this information

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:

• The categories of the personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• The business purpose for collecting the information.
• The categories of third parties with whom we have shared the information.
• The specific pieces of personal information we collected about you (also called a data portability request).

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:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Wireless Device Consent for Fraud Protection

Last Updated March 29, 2022

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Alerus Financial or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and prevent fraud. See our Privacy Policy to learn more about how we treat your data