Nordstrom Bank Privacy and Security

Nordstrom Bank Online Privacy and Information Security

Rev. 10/12

Nordstrom Bank Privacy Notice

FACTS	WHAT DOES NORDSTROM BANK DO WITH YOUR PERSONAL INFORMATION?

Why?	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.
What?	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 transaction history and credit history
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Nordstrom Bank chooses to share; and whether you can limit this sharing.

Why?

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.

What?

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
transaction history and credit history

How?

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

Reasons we can share your personal information	Does Nordstrom Bank share?	Can you limit this sharing?
For our everyday business purposes - Such as to process your transaction, 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	No	We don't share
For our affiliates' everyday business purposes - Information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - Information about your creditworthiness	Yes	Yes
For nonaffiliates to market to you	No	We don't share

To limit our sharing	Call us toll-free at 1-866-759-0151. Our menu will prompt you through your choices. Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit our sharing

Call us toll-free at 1-866-759-0151. Our menu will prompt you through your choices.

Please note:

If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?	Call us toll-free at 1-866-759-0151.

What we do
How does Nordstrom Bank 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. For more information regarding our privacy practices, follow the Nordstrom Bank Privacy link located at the bottom of the page at nordstrombank.com.
How does Nordstrom Bank collect my personal information?	We collect your personal information, for example, when you open an account or give us your income information pay your bills or pay us by check use your credit card or debit card 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, subject to applicable law sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
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 the nonfinancial companies and divisions of the Nordstrom family of companies (Nordstrom, Nordstrom Rack, Nordstrom Direct and HauteLook, Inc.). Nordstrom Inc. also provides technology services and other services to Nordstrom Bank to assist us in serving our customers.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nordstrom Bank 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. Nordstrom Bank does not jointly market.

Definitions

Affiliates

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

Our affiliates include the nonfinancial companies and divisions of the Nordstrom family of companies (Nordstrom, Nordstrom Rack, Nordstrom Direct and HauteLook, Inc.). Nordstrom Inc. also provides technology services and other services to Nordstrom Bank to assist us in serving our customers.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nordstrom Bank 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.

Nordstrom Bank does not jointly market.

Other important information
For accounts with California billing addresses: We will limit the sharing of personal information about you with our affiliates to comply with all California laws that apply to us. For accounts with Vermont billing addresses: Vermont law prohibits the sharing of certain information about Vermont residents with our affiliates unless we are given written permission to share that information. If you wish to authorize us to share your information with our Nordstrom affiliates, please contact us at the number provided on page one of this notice, and we will send you an authorization form.

Other important information

For accounts with California billing addresses: We will limit the sharing of personal information about you with our affiliates to comply with all California laws that apply to us.

For accounts with Vermont billing addresses: Vermont law prohibits the sharing of certain information about Vermont residents with our affiliates unless we are given written permission to share that information. If you wish to authorize us to share your information with our Nordstrom affiliates, please contact us at the number provided on page one of this notice, and we will send you an authorization form.

Print Privacy Notice

Nordstrom Bank Online Privacy and Information Security

Protecting the privacy and security of customer information is a priority for Nordstrom Bank. We are committed to meeting your expectation that your online transactions with us will be protected with the same level of security as all of the other ways we interact with you.

Use of "Cookies" and Other Similar Technology

In order to provide you with better, more secure service, we may use "cookies," "Flash objects" (also known as "Local Shared Objects" or "Flash cookies"), or other similar technology on our site in order to facilitate your online banking transactions.

Cookies and Flash objects are small text files that a website's server places directly on the computer you are using. Nordstrom Bank, or our service provider, may use cookies and Flash objects to authenticate your identity when providing online banking services to you. Flash objects help us recognize you and your computer when you visit our online banking site. We do not use cookies or Flash objects for any marketing or online behavioral targeting purposes.

If you choose, you can set your browser to inform you when cookies are sent. You may choose not to accept cookies, or choose to delete cookies. Your decision not to accept cookies could limit access to some of the services that are available on our site. Deleting cookies does not delete Flash objects. Learn how to manage privacy and storage settings for Flash objects. If you choose to delete or disable Flash objects, you may not be able to access and use all or part of the services offered on our site.

Website Security

Nordstrom Bank takes the safeguarding of your personal information seriously. To guard your information, our website uses Secure Sockets Layer (SSL) technology to encrypt the personal information you provide online such as your user name, password, name, address, and credit information. Please note that e-mail and text messaging communication is not encrypted and is not considered a secure means of transmitting credit card or other personal information.

To be sure your connection is secure, look at the lower left-hand corner of your browser window. If you see an unbroken key or a closed lock (this is determined by your browser), the SSL is active and your information is secure. You can also double-check by looking at the URL line of your browser. When accessing a secure server, the first characters of the site address will change from 'http' to 'https' (the 's' stands for 'secure').

Some versions of browsers and some firewalls don't permit communication even though the server is secure. If for some reason you are unable to connect to our secure server, or if you prefer to apply or transact by phone, please contact us toll-free at 1.866.491.7860.

THE ABOVE STATEMENT ONLY APPLIES TO INFORMATION TRANSMITTED TO US USING THIS WEBSITE.

Other Protections

Your online security is of utmost importance to us. Below, we outline a few additional ways we safeguard your online banking experience.

Secure User Name and Password – You select your preferred user name and password, and these items must be entered every time you sign in to Nordstrom Bank's online banking site. As an enhanced security measure, you will be asked to change your password periodically.
Automatic Time Out – When there is a period of inactivity, your session will be terminated to help protect against unauthorized access.
Client-Driven Authentication Questions – In some cases, in order to access your account or perform certain transactions, you will be asked additional "challenge" questions to authenticate your identity.

PROTECTING YOUR PERSONAL INFORMATION

It is important to educate yourself and take measures to help protect your personal information online. These measures include:

Install and maintain the latest security updates and anti-virus software on your computer to help prevent malware and viruses.
Use complex passwords (a minimum of 8 alpha/numeric cAsE sEnsitive characters).
Do not share your password or other personally identifiable information with others.
Sign out/log off website sessions so that your session is closed and cannot be accessed by another user on the same computer, especially when using a public computer or terminal.
Educate yourself about online scams and threats.

Identity theft is a serious crime. It occurs when someone uses your personal information, such as your name, Social Security number, or credit card number, without your permission to commit fraud or other crimes. Recently, identity thieves have been sending phony e-mail and text messages in an attempt to lure customers into divulging personal or financial information (a practice known as "phishing"). Many of these e-mail or text messages feature familiar language and company logos, and some may even go as far as showing exact copies of company website pages. The messages and websites attempt to trick people into providing personal information such as user name, log-on ID, password, credit card number, account information, Social Security number, and other sensitive information.

NORDSTROM BANK DOES NOT REQUEST PERSONAL INFORMATION FROM CUSTOMERS VIA E-MAIL OR TEXT MESSAGE. PLEASE NOTE THAT E-MAIL AND TEXT MESSAGING COMMUNICATION IS NOT ENCRYPTED AND IS NOT CONSIDERED A SECURE MEANS OF TRANSMITTING CREDIT CARD OR OTHER PERSONAL INFORMATION.

If you have received or entered personal information in response to a suspicious e-mail, text message, pop-up, or suspicious website claiming to be affiliated with Nordstrom Bank, please contact us immediately at 1.800.964.1800.

For more information on identity theft and e-mail phishing scams, see:

OCC: If You Become a Victim of Identity Theft (PDF)

FTC: Identity Crisis...What to Do if Your Identity Is Stolen

FTC: How Not to Get Hooked by a 'Phishing' Scam

Nordstrom Bank Privacy Notice

Nordstrom Bank Online Privacy and Information Security