Northwest’s Online Privacy Practices

Effective Date: March 26, 2026
 

Scope of Policy

This Online Privacy Policy (“Policy”) describes how Northwest Bank (“Northwest”, “we”, “us”, “our”) collects, uses, and shares personal information when you interact with our websites, mobile applications, and social websites (each a Website”, or collectively “Websites”) using your computer, smartphone, other devices and how we may share personal information collected to deliver products, services, and advertising to you. By using our Websites, you agree to the terms and conditions of this Policy. 
 

Additional Privacy Policies and Notices

Additional Northwest privacy-related policies and notices may apply such as the Northwest Bank U.S. Consumer Privacy Notice, which applies to U.S. customers and consumers as described in the notice. The Northwest Bank - California Consumer Privacy Act Notice and Notice at Collection which applies to California residents and that state’s privacy laws and regulations. Customers who have questions regarding our policies or the privacy of their customer information may contact us during normal business hours or e-mail us at privacy@northwest.com.
 

Information We Collect

When you visit our Websites, we may collect Personal Information and/or Aggregate Information. We use the term "Personal Information" to mean any information that can identify a specific individual. We use the term "Aggregate Information" to refer to any information that does not allow us to identify a specific individual, such as demographic information, information about the device used to access our Websites, browser information or areas visited on our Websites.
 
Personal Information includes, for example, your name, mailing address, email address, telephone number, account number, transaction history, Social Security number, driver’s license, or other government‑issued identifiers. We collect this information when you provide it through online forms, surveys, or applications, when you enroll in digital banking, or through identity verification services and consumer reporting agencies. We may also collect information about you from your online browsing and transactions, including details of transactions you carry out through our Websites.
 
We may also collect your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet protocol address, websites from which visitors access our Websites, the types of web browsers used to access our Websites, the device used to access our Websites and the pages viewed, search queries on the website, and user’s and/or device’s location and system configuration and settings. We may also use your device’s location to provide you with customized location-based content and services. We may ask for your permission to collect some of this information; however, if you do not enable these settings, we may not be able to provide you with related customized content.
 

Cookies, Similar Files and Other Technologies

Cookies are small text files that your browser stores on your computer or mobile device to gather information related to visits to and use of our Websites. We collect technical and navigation information, such as browser type, time spent on our Websites and anti-fraud and information for security purposes. Cookies allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on our Websites. We may also use cookies in online advertisements to track consumer responses to advertisements and to identify third party websites which may refer you to us.
 
There are two types of cookies – session and persistent. Session cookies expire at the end of a web browsing session when you close your browser. They help the Website remember your actions during the current Website visit. Persistent cookies remain stored on your device between browsing sessions until a pre-set expiration period determined by us or our service providers. These types of cookies allow us to improve the experience from Websites and place advertisements.
 
There are four categories of cookies we use on our Websites:
  • Strictly Necessary: These cookies are necessary for the Website to function, support security, and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. These cookies don't gather information about you that could be used for marketing or remembering where you've been on the internet. You can set your browser to block or alert you about these cookies, but some parts of our Websites will not then work. 
  • Functional: These cookies enable an enhanced experience. They may be set by us or third-party providers whose services we have available on our Website. This may include things like playing videos, downloading PDF forms or seeing content personalized to you. If these cookies are blocked, then some of these services may not function. 
  • Performance: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Websites. They help us to know which pages are the most and least popular and see how visitors move around our Websites. Generally, these cookies collect information that is aggregated. If you do not allow these cookies we will not know when you have visited our Websites, and will not be able to monitor their performance. 
  • Marketing: These cookies may be set by us or through our advertising partners. They may be used by those companies to build a profile of your interests and show you more relevant online content and advertising. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you block or turn them off, you may still see ads, but they won't be targeted to you based on your browsing behavior. 
Managing cookies is domain and browser specific. You can manage our use of certain types of cookies using the “Manage Cookie Settings” tool, which is accessible via the Cookie Settings link in the footer below. The toggle indicator positioned to the right accepts the category of cookies selected; whereas the toggle indicator positioned to the left rejects the category of cookies selected. You may also use an industry accepted opt-out preference signal such as the Global Privacy Control (“GPC”). If you visit this domain using a different browser or delete your browser cookies, you will need to exercise your preference again. GPC is a service that lets you opt out of sharing information for targeted advertising on nonaffiliated websites, applications, or services. You can enable this service through specific browsers or browser extensions. Once you activate the GPC setting, your browser will automatically send participating websites (like ours) a “do not sell or share my personal information” signal.
 
We may use additional technologies such as pixel tags, web beacons, SDKs, and clear GIFs, and may permit our third-party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites. By using the Websites, you consent to the use of analytics and monitoring tools to collect user interaction with our products, unless prohibited by law. These interactions are collected using cookies and technical log files. We use the data for purposes that include interaction monitoring and visual replay for fraud, customer service, product improvement, and other purposes allowed by law.
 

How We Use Your Information

We use information that you provide to us or that we collect about you, including any personal information to: 
  • Display our Websites and its information more effectively to you and improve the quality of experience. 
  • Provide you with information about products or services that may be of interest to you. 
  • Open an account for you or process a transaction authorized by you. 
  • Secure and maintain your account. 
  • Fulfill the purpose specifically disclosed at the time the information is requested.
 
We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the mobile app, for the purposes described in these Privacy Statements, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the mobile app; to provide technical support; and/or to provide other services to the mobile app. We also may remove identifiers from Personal Information or aggregate that information to make it anonymous.
 
In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Websites, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; or tracking email access or website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.
 

Your Choice About Receiving Promotional Emails

We send email communications to provide the most relevant information to customers regarding Northwest products and services. If you would not like to receive promotional emails from us, you may click on the opt-out link at the bottom of the email to be omitted from future marketing email distributions. This opt out does not apply to transactional communications from Northwest in connection with providing services on an account.
 
To protect your privacy, messages from Northwest will never ask you for any information through an email requesting that you provide personal information to us such as account number, social security number or driver license number. If you receive an email appearing to be from Northwest requesting personal information, please do not respond and contact our Security Department immediately at 1-877-672-5678.
 

Live Chat

Disclosure of any information by you, whether in the text of a live chat session, or any personal data contained in an email message, including an email address, is strictly voluntary. You are under no obligation whatsoever to offer Northwest any personal information via live chat or email.
 
All chat sessions may be monitored for quality assurance purposes including their recording and storage. By using our Live Chat services, you agree to its monitoring and recording. Live Chat sessions are secure using HTTPS Technology. We make no representation regarding the security of your personal computer or internet access, and we expressly disclaim any and all liability arising from breaches or damages arising there from.
 
Our Customer Service Representatives will identify themselves in chat so customers or participants can identify that they are speaking with a Northwest representative.
 
Unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act.
 
Penalty for False Statements. The US Criminal Code (Title 18 US Code Section 1001) provides that whoever, in any matter within the jurisdiction of the Government of the United States, knowingly and willfully - (1) falsifies, conceals, or covers up by any trick, scheme, or device a material fact; (2) makes any materially false, fictitious, or fraudulent statement or representation; or (3) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry; shall be fined or imprisoned not more than 5 years, or both.
 
Do not respond to any unsolicited emails, telephone calls or other communications that claim to come from Northwest, or any unknown person asking you to submit personal data.
  

Restrictions on Account Information Disclosure

Specific account information cannot be accessed unless any one of the following items occurs:
  • The customer requests or authorizes the release of information, or 
  • The requested information is needed to complete a transaction initiated by the customer, or 
  • Such information is provided to a reputable credit bureau or similar information reporting agency, or 
  • Disclosure is legally required or permitted. 
 
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
 

Maintaining Customer Accuracy of Information

We maintain procedures to respond timely to requests regarding inaccurate information. You should contact us immediately at 1-877-672-5678 or e-mail us at info@northwest.com if you have information that you believe inaccurately portrays your banking relationship with us.
 

Providing Privacy Information to Customers

We make our policy regarding confidentiality of customer information available publicly. Customers who have questions regarding our policy or the privacy of their customer information may contact us during normal business hours or e-mail us at privacy@northwest.com. For more information, including ways for customers to limit the sharing of information, view our Northwest Bank Privacy Notice. 
 

Protection of Social Security Numbers

Social Security Numbers are treated as confidential information under Northwest’s Protecting the Privacy of Customer Information Policy. As such, Social Security Numbers may only be accessed by and disclosed to Northwest employees and others with a legitimate business “need to know” in accordance with applicable laws and regulations. Social Security Numbers, whether in paper or electronic form, are subject to physical, electronic and procedural safeguards and must be stored, transmitted and disposed of in accordance with the provisions of our Protecting the Privacy of Customer Information Policy applicable to confidential information. These restrictions apply to all Social Security Numbers collected or retained by Northwest in connection with customer, employee or other relationships. 
 

Protecting Children’s Privacy Online

We respect the privacy of children and comply with practices under the Children’s Online Privacy Protection Act, which protects children under the age of 13 from the online collection of personal information. We do not knowingly solicit, collect, or retain data from children, and we do not knowingly market to children. For more information about the Children’s Online Privacy Protection Act visit the FTC website at http://www.ftc.gov/.
 

Site Link Disclaimer

Throughout our Website(s), we provide links to other third party websites or resources. Northwest is not responsible for the availability of such external websites or resources and does not endorse and is not responsible or liable, directly or indirectly of any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such website or resource. 
 

Do Not Call Policy

We maintain a Do Not Call record of the name and telephone number(s) of both customers and non-customers and will add to the Northwest Internal Do Not Call List within ten (10) business days of receipt of such request. This record will be retained for at least five (5) years.
 
Consumers are responsible for notifying Northwest of any changes in name or telephone number if they move or wish to place a new telephone number on the Northwest Internal Do Not Call List. Consumers are responsible for notifying Northwest if there is more than one telephone line or number that they wish to place on the Northwest Internal Do Not Call List.
 
Consumers have additional avenues available to help reduce or eliminate unwanted telephone solicitations. Consumers may place their telephone number(s) on the National Do Not Call Registry by calling 1-888-382-1222 or online at https://www.donotcall.gov/. The Direct Marketing Association also offers a free service called "Telephone Preference Service”. Consumers may register for this service online at http://www.dmaconsumers.org/ or by sending a written request to:
 
Telephone Preference Service Direct Marketing Association 
P.O. Box 1559
Carmel, NY 10512 
 
We have established and implemented written procedures to honor consumers' requests that they not be solicited via telemarketing activities, and appropriate personnel have received training. Procedures include consultation of both the National Do Not Call Registry and the Northwest Internal Do Not Call List prior to making any telephone solicitation.
 
Telephone solicitation calls to consumers with whom we have an established business relationship are permitted unless a consumer has asked to be included on the Northwest Internal Do Not Call List. Calling customers regarding their existing accounts with Northwest does not constitute a telephone solicitation call.
 
No unsolicited facsimile solicitations will be initiated.
 

European Union’s General Data Protection Regulation (GDPR) Statement

Northwest Bank is a banking institution based and chartered in the United States of America with subsidiary operating units including Northwest Investment Services. Northwest requires a customer to have an address within its United States’ community banking footprint when opening an account in order to participate in its services. Northwest uses the U.S. Dollar as its operating currency, English as its operating language and does not directly market its services within the European Union or toward European Member State citizens. Simply because Northwest’s services and public website are accessible within the European Union does not imply that Northwest specifically targets its services to citizens within the European Union Member States nor does it constitute availability or eligibility for any of Northwest’s services within any of the European Union Member States. 
 

Accessibility Policy - Ensuring an Inclusive Online Experience

We have implemented a comprehensive Accessibility Policy to ensure that all our visitors, regardless of their abilities, can enjoy a seamless online experience. Our commitment to removing barriers and creating equal opportunities drives us to continuously improve accessibility. Learn more about our Accessibility Policy and the measures we've put in place to achieve inclusivity for everyone. 
 

Policy updates and effective date

If we make updates to this Policy, we will update the Policy with the changes and revise the "Effective Date " posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. To the extent permitted by applicable law, your use of the Websites following the update to the Policy means that you accept the updated Policy.