Northland Financial understands the importance of handling customer information in a professional and confidential manner. Northland Financial knows that privacy is an important element of our customer's confidence in us, and we understand that our customers expect us to collect and retain personal financial information responsibly.

Maintaining Customer Information

Northland Financial strives to maintain information about our customers that is accurate, complete and current. We have established procedures to respond to customer requests to correct any inaccurate on incomplete information in a timely and responsible manner.

Access

Northland Financial has business procedures and internal security controls that limit employee access to customer information. Only employees, who need access to such information for business reasons, will be given access. Our employees are briefed about the importance of maintaining the confidentiality of customer information and steps will be taken to implement our business procedures. Northland Financial strives to maintain current security standards and procedures designed to assist us in preventing unauthorized access to customer information.

Collecting Customer Information

Northland Financial collects and maintains nonpublic personal information in order to:

Service you and process your requests efficiently and accurately. Inform you of financial services and choices that can meet your needs now and in the future.

This information may be collected from a variety of sources, including:

Information we receive from you on loan applications, such as your name, address and financial information. Information we receive from outside companies, such as a credit reporting agency or real estate appraiser.

Northland Financial may share information with nonaffiliated third parties who are acting on our behalf. These companies or service providers are legally obligated to maintain the confidentiality of the information we provide to them, and are restricted from using this information for any reason beyond the performance of specified services on our behalf.

Browsing our Site

You may browse our web site anonymously if you are just visiting and not transacting with us online. We will not ask for personal information unless it is needed to complete a transaction that you request.

Planning tools and calculators are available throughout our site for you to use for different "scenarios" in your financial future. No information is saved online unless it is submitted to us. If, however, data is sent to us through our web site, we may share this information with appropriate banks for consultation on your behalf.

Registration

In order to complete a transaction, it is necessary to register on the site. During this process, we will ask you for contact information, and may request an ID and password, as well as an e-mail address. This ensures when you transact with us online, it will be safe and secure.

Other Sites

Our web site contains links to other sites on the internet. These links are provided for your convenience, but an not under our control. Therefore, Northland Financial is not responsible for the contents or security of these links.

E-Mail

Messages that you send to us by E-mail may not be secure. We recommend that you not send any confidential information to us by E-mail. If you choose to do so, you accept the risk that a third party may intercept this information. Any online applications are secure and are accessed by an officer of Northland Financial only through stringent security measures.

Children

We do not knowingly collect or solicit information from children under 13 without parental consent.