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Privacy Policy

Please read this Privacy Policy carefully.


First Northern Bank and Trust Co. and its affiliates (hereinafter referred to as “First Northern,” “us,” “we,” “our,” or “Company”) have created this Privacy Policy to apply to all users of this website, mobile applications, and all digital assets contained or offered therein (collectively, our “Website”). This Privacy Policy describes, among other things, the types of information we collect from you when you use our Website, how we use it, and how you can access your information. The Company will at times collect, maintain, use, and share your information as is necessary to provide services to you, meet certain business needs and functions, and comply with laws and regulations.

This Privacy Policy is integrated into our Terms & Conditions of Use (“Terms & Conditions”). It applies to any Information (defined below) that you provide to us through the Website. It does not apply to any Information you provide through your online banking account, which is subject to separate terms.

The terms of this Privacy Policy are subject to any additional terms of disclaimers or other contractual terms you have entered into with First Northern and any applicable mandatory laws and regulations. This Privacy Policy supplements the Consumer Privacy Notice with respect to personally identifiable financial information. If there is any conflict between this Privacy Policy and the Consumer Privacy Notice, the Consumer Privacy Notice controls. You may ask a bank branch employee or email our Privacy Officer at privacy@1stnorthern.bank for a physical or printable copy of the Consumer Privacy Notice.

If you are a California resident, please see the Notice to California Resident section below for your California privacy rights, which supplements the Privacy Policy as to California residents only.

We may collect the following types of information, which are described in more detail below: (A) information you provide to us, (B) information we automatically collect, and (C) information we receive from third parties. All of the information listed in (A)-(C) above, is detailed below, and hereinafter referred to as “Information.”

A. Information You Provide to Us:
In using our Website, you may provide us with Information, including, without limitation:
1. Your contact information including name, email address, postal address, and telephone number(s);
2. Account information and log in credentials, including unique identifiers such as username and password;
3. Information you may submit when completing forms on our Website; and/or
4. Additional Information as otherwise described to you at the point of collection or pursuant to your consent.

B. Information We May Automatically Collect:
We also collect information about you from your visit to our Website including:
1. IP address, which is the number associated with the service through which you access the Internet, like your ISP (Internet service provider), your company, or your university;
2. Date and time of your visit or use of our Website;
3. Domain server from which you are using our Website;
4. Type of computer, web browsers, search engine used, operating system, or platform you use;
5. Data identifying the web pages you visited prior to and after visiting our website or use of our Website;
6. Your movement and activity within the website, which is aggregated with other information;
7. Geo-location information through the use of any of our mobile applications;
8. Mobile device information, including the type of device you use, operating system version, and the device identifier (or “UDID”); and
9. Mobile application identification and behavior, use, and aggregated usage, performance data, and where the application was downloaded from.

C. Cookies and Other Tracking Technologies
We collect this Information directly and through the use of third parties by using certain technologies such as cookies, web beacons, and other technologies. Third-party service providers, advertisers, and/or partners may also view, edit, or set their own cookies or place web beacons to collect similar or identical information. The use of these technologies by such third parties is subject to their own privacy policies and is not covered by this Privacy Policy, except as required by law.

1. Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. Most web browsers automatically accept cookies. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

2. Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).

3. Analytics. Analytics are tools we use, such as Google Analytics, to help provide us with information about traffic to our Website and use of our Website, which Google may share with other services and websites who use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having your activity on the Website made available to Google Analytics by installing the Google Analytics opt-out browser add-on (https://tools.google.com/dlpage/gaoptout) for your web browser.

4. Mobile Application Technologies. If you access our Website through a mobile device, we may automatically collect information about your device, your phone number, and your physical location. You may opt-out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices.

5. Opting Out of Direct Marketing. We, or third-party service providers with whom we collaborate or contract with to perform services on our behalf, may deploy cookies and may use your Information to text, email, or contact or share with you information that we believe may be useful to you, such as information about products or services provided by or through us through permissible targeted advertisements or related to our Website. You affirmatively consent to receive these communications. To help exercise choices regarding the marketing information you receive, you may also review the following links:

a. You may opt-out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices.

b. You may opt-out of receiving permissible targeted advertisements by using the NAI Opt-out tool available at http://optout.networkadvertising.org/?c=1 or visiting About Ads at http://optout.aboutads.info.

c. You can opt-out of having your activity on our Website made available to Google Analytics by installing the Google Analytics opt-out add-on for your web browser by visiting: https://tools.google.com/dlpage/gaoptout for your web browser.

D. Information We May Receive from Third Parties
We may collect additional Information about you from others such as credit bureaus, affiliates, other companies, third-party websites, and/or sources providing publicly available information (e.g., from the U.S. postal service) to help us provide services to you, help prevent fraud, and for marketing and advertising purposes.

We may also collect additional personal information about you from third-party websites and social media platforms. The Information we collect is covered by this Privacy Policy, and the Information the third-party website or social media platform collects is subject to the third-party website or platform’s privacy practices. We encourage you to be aware when you leave our sites or applications and to read the privacy policies of other sites that may collect your Information.


A. Use and Purpose of Processing Your Information
We use and process your Information above for things that may include, but are not limited to, the following:
1. To respond to your inquiries and provide you with requested information such as our newsletters;
2. To process your request for services;
3. To provide you with financial services information;
4. For marketing and advertising purposes, including sending you promotional material or information on our behalf or on behalf of our marketing partners and/or their respective affiliates and subsidiaries and other third parties, provided that you have not already opted-out of receiving such communications;
5. To manage, improve, and foster relationships with third-party service providers, including vendors, suppliers, and parents, affiliates, subsidiaries, and business partners;
6. To Maintain, improve, customize, or administer our services, perform business analyses, or other internal purposes to improve the quality of our business, the Website, resolve technical problems, improve security, or develop other products and services;
7. To comply with our Terms & Conditions;
8. To comply with any applicable laws and regulations and respond to lawful requests; and/or
9. For any other purposes disclosed to you at the time we collect your Information.

B. Sharing Your Information
We may share your Information as disclosed at the time you provide your Information, as set forth in the Privacy Policy and in the following circumstances:
1. Third-Party Service Providers. We may share your Information with third-party service providers that perform certain business functions or services on our behalf (such as process your transactions, manage our databases, maintain your account, perform analyses, provide customer service, or send communications for us). These companies are authorized to use your personal Information only as necessary to provide these services to us.
2. Disclosure of Customer Information for Legal and Administrative Reasons. We may disclose your Information when required by law or to comply with a court order, subpoena, search warrant, or other legal process or as part of any internal or external audit, investigation or inquiry, report to a credit bureau, or other legitimate business need. Federal and state securities regulators may review our Company records and your personal records as permitted by law.
3. Business Transfers. Your Information may be transferred, sold, or otherwise conveyed (“Conveyed”) to a third party where we: (i) merge with or are acquired by another business entity; (ii) sell all or substantially all of our assets; (iii) are adjudicated bankrupt; or (iv) are liquidated or otherwise reorganize. You consent to any and all such Conveyances of your Information.
4. Online Communications. If you chose to share with us comments, post a review, participate in a survey, provide a testimonial, or other Information you consent and agree that we may make it available generally to the public and it will not be returned to you unless we receive such a request in writing from you and determine, in our sole discretion, to honor such request.
5. With Your Consent. Except as provided in this Privacy Policy, we will not sell, rent, or license your Information we have collected to any third party without your consent and shall share your Information consistent with this Privacy Policy with your consent.

Our Website may contain links to other websites or services that are not owned or controlled by us, including links to social media platforms or may redirect you off our Website to other websites for information, other services, or to receive special offers or for transactions or purchases. We are not responsible for the privacy and security practices of those websites or the Information they may collect (which may include IP address). You should contact such third parties directly to determine their respective privacy policies. Links to any other party’s website or content do not constitute or imply an endorsement or recommendation by us of the linked website and/or content. We also have no control over websites that link to our Website.

We use commercially reasonable safeguards to provide our Website. However, you should assume that no data transmitted over the Internet or stored or maintained by us or our third-party service providers can be 100% secure. Therefore, although we believe the measures implemented by us reduce the likelihood of security problems to a level appropriate to the type of data involved, we do not promise or guarantee, and you should not expect, that your Information or private communications will always remain private or secure. We do not guarantee that your Information will not be misused by third parties. We are not responsible for the circumvention of any privacy settings or security features. You agree that we will not have any liability for misuse, access, acquisition, deletion, or disclosure of your Information.

If you believe that your Information has been accessed or acquired by an unauthorized person, you shall promptly Contact Us so that necessary measures can quickly be taken.

By submitting your Information to us, you agree that we may collect, use, and disclose such Information as set forth in this Privacy Policy and as permitted or required by law. If you wish to withdraw consent, please see the Contact Us section below.

You agree that we, our affiliates, and/or our third-party service providers with whom we collaborate and contract, may communicate with you via electronic messages, including email, for example, send you information relating to our products and services that we think may be of interest to you, communicate with you about offers, promotions, upcoming events, and other news about products and services offered by us.

A. Email 
By using our Website, you agree that we may contact you by email as set forth herein. If you do not want to receive marketing and promotional emails from us, you may click on the “unsubscribe” link in the email to unsubscribe and opt-out of marketing email communications. 
B. Location Choices 
You may be able to change the privacy settings of your mobile device at any time to turn off the sharing of this location Information with our Website. If you choose to turn off location services, this could affect certain features or services of our Website. If you have specific questions about the privacy settings of your device, we suggest you contact the manufacturer of your device or your mobile service provider for help.
C. To Limit Sharing
Federal law gives you the right to limit some but not all of the sharing of your financial information. Please see our Consumer Privacy Notice for more information on how your financial information may be shared and how you may be able to limit certain types of sharing.

Upon request (as set forth below) and subject to certain exceptions and limitations, we will inform you of the existence, use, and disclosure of your Information and will provide you access to that Information.

We encourage you to review, update, and correct Information that we maintain about you, and you may request that we delete Information about you that is inaccurate, incomplete, or irrelevant. We may not be able to accommodate your request, or we may not accommodate a request if we believe the change would violate applicable law.

To request that you access, correct, or delete your Information, contact us at:

Mail: First Northern Bank and Trust Co.
Attn: Privacy Officer
1256 Route 209
Gilbert, PA 18331

Call us at: 1-610-681-1971

The requests above will be considered and responded to in the time-period stated by applicable law. Note, certain Information may be exempt from such requests.  We may require additional information from you to confirm your identity in responding to such requests. You have the right to lodge a complaint with the supervisory authorities applicable to you and your situation, although we invite you to contact us with any concern as we would be happy to try and resolve it directly.

Our Website is intended only for users over the age of thirteen (13). By using our Website, you agree that you are thirteen (13) years or older. If we have actual knowledge that a user is under thirteen (13) (or a higher age threshold where applicable) and has provided us with Information, we will take steps to comply with any applicable legal requirement to remove such Information. Contact us if you believe that we have mistakenly or unintentionally collected Information from a child under the age of thirteen (13).

To the extent any California data privacy law applies to the collection of your Information, this supplemental section of our Privacy Policy outlines how California residents can receive their personal Information and what you can receive and applies solely to California residents. We provide the supplemental selection below to comply with the California Consumer Privacy Act of 2018 (“CCPA”), and any terms defined in the CCPA have the same meaning when used below.

A. Right to Know and Access to Specific Information
California residents have the right to request that we disclose certain information to you about our collection and use of your Information over the past twelve (12) months. Once we receive and confirm a verifiable consumer request from you, we will disclose to you, to the extent permitted by law:

• The categories of Information we collected about you.
• The categories of sources for your Information we collected about you.
• Our business or commercial purpose for collecting your Information.
• The categories of third parties with whom we share your Information.
• If we disclosed your Information for a business purpose, the Information categories that each category of recipient obtained.

You shall have the right to request that the Information described above be provided to you in a portable and readily useable format, to the extent technically feasible (“data portability”). We do not sell your Information.

B. Deletion Request Rights
You have the right to request that we delete certain of your personal Information that we collected from you, subject to certain exceptions.

To the extent that we can delete your Information, once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Information, unless an exception applies.

We may deny your deletion request if retaining the Information is necessary for us or our service providers to:
• Complete the transaction for which we collected your Information, provide a good or service that you requested, or take actions reasonably anticipated within the context of our ongoing business relationship with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, guarantee the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the Information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

C. Exercising Your Right to Know and Right to Deletion
To exercise the rights described above, please submit a verifiable consumer request to us by either:
Emailing us at privacy-ca@1stnorthern.bank; or

Calling us at: 1-800-344-2274

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your Information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a twelve (12) month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Information or an authorized representative.

• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

D. Authorized Agent
You may use an authorized agent to submit verifiable consumer requests on your behalf. An authorized agent is a natural person or a business entity that you have authorized to act on your behalf. If you use an authorized agent, we will require: (1) proof of written permission for the authorized agent to make requests on your behalf, and identity verification from you, or (2) proof of power of attorney pursuant to California Probate Code sections 4000 to 4665. We may deny a request from an authorized agent that does not submit proper verification proof.

E. Non-Discrimination
We may not, and will not, treat you differently because of your data subject request activity. As a result of your data subject request activity, we may not and will not deny goods or services to you, charge different rates for goods or services, provide a different level quality of goods or services, or suggest any of the preceding will occur. However, we can and may charge you a different rate, or provide a different level of quality, if the difference is reasonably related to the value provided by your Information.

F. Verifying Requests
To help protect your privacy and maintain security, if you request access to or deletion of your Information, we will take steps and may require you to provide certain information to verify your identity before granting you access to your Information or complying with your request. In addition, if you ask us to provide you with specific pieces of Information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose Information is the subject of the request. If you designate an authorized agent to make a request on your behalf, we may require you to provide the authorized agent written permission to do so and to verify your own identity directly with us (as described above).

G. Shine the Light Requests
California Civil Code Section 1798.83 permits you to opt out of the disclosure of your Information by us to third parties for the third parties’ direct marketing purposes. To make an opt-out request of such disclosures, please send an email to privacy-ca@1stnorthern.bank.

H. Additional Information
To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request. This statement is available in alternative formats upon request by contacting privacy-ca@1stnorthern.bank or calling us at 1-800-344-2274.

We reserve the right to change, modify, or amend this Privacy Policy at any time to reflect changes in our products and service offerings, accommodate new technologies, regulatory requirements, or other purposes. If we modify our Privacy Policy, we will update the “Effective Date” and such changes will be effective upon posting. If you provide us an email address, we will provide any updated Privacy Policy to you. In that email, we will provide the option to opt-out of receiving further emails. It is your obligation to check our current Privacy Policy for any changes.

If you have any questions about these Terms & Conditions, please click here to contact us, email us at privacy@1stnorthern.bank, call us at 1-610-681-1971, or write to:

First Northern Bank
Attn: Privacy Officer
1256 Route 209
Gilbert, PA 18331

Last Updated on May 13, 2022