  |
|
Customer Privacy and Web
Security
Web Site
Privacy Statement
Visitors to this
bank website remain anonymous. We do not collect identifying information about
visitors to our site. We may use standard software to collect non-identifying
information about our visitors, such as:
-
Date and time our
site was accessed
-
IP address (A
numeric address given to servers connected to the Internet)
-
Web browser used
-
City, state, and
country
The bank
uses this information to create summary statistics and to determine the
level of interest in information available on our site. Visitors may
elect to provide us with personal information via E-mail or online
registration forms. This information is used internally, as appropriate,
to handle the sender's request. It is not disseminated or sold to
other organizations. Some areas of our website may use a "cookie"
temporarily stored in the visitor's computer memory (RAM) to allow the
web server to log the pages you use within the site and to know if you
have visited the site before.
Online Security
Statement
This Online Banking System brings together a combination of
industry-approved security technologies to protect data for the bank and
for you, our customer. It features password-controlled system entry, a
Digital ID for the bank's
server, Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate the inflow and outflow of
server traffic.
Secure
Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in
ID and a password. Our system uses a "3 strikes and you're out" lock-out
mechanism to deter users from repeated login attempts. After three
unsuccessful login attempts, the system locks the user out, requiring a
phone call to the bank to verify the password before re-entry into the
system.
Secure Data
Transfer
Once the server session is established the user and the server are in a
secured environment. Data traveling
between the user and the server is encrypted with Secure Sockets Layer (SSL)
protocol. With SSL, data that travels between the bank and customer is
encrypted and can only be decrypted with the public and private key
pair.
Router and
Firewall
Requests must filter through a router and firewall before they are
permitted to reach the server. A router, a piece of hardware, works in
conjunction with the firewall, a piece of software, to block and direct
traffic coming to the server. The configuration begins by disallowing
ALL traffic and then opens holes only when necessary to process
acceptable data requests, such as retrieving web pages or sending
customer requests to the bank.
Using the above technologies, your online banking transactions are
secure.
Privacy Policy
Important Terminology
-
We, our
and
us mean Horizon Bank.
-
You
and your
mean consumer customers who have a continuing relationship with
us;
such as,
deposit accounts, loan accounts, credit cards, or safe deposit
boxes; and that use these financial
products and services for personal, family or household purposes.
-
Nonpublic personal
information
means information we collect about you in connection with providing
a financial product or service to you.
-
Affiliate
means a company that we control or own, a company that controls or
owns us, or a company that is controlled or owned by the same
company that controls or owns us.
-
Nonaffiliate
means a company that is not an affiliate of ours.
How
Information Is Gathered
In the normal course of business, we gather nonpublic personal
information on you from many sources:
-
Applications,
forms, and other information that you provide to us, whether in
writing, in person, by telephone, electronically or by any other
means.
This information may include your name, address, social security
number, employment information, income, credit references and other
confidential information.
-
Your transactions
with us.
This information may include your account balances, payment history,
source of funds and account usage.
-
Consumer reporting
agencies.
This information may include account information and information on
your credit worthiness.
-
Your web browser.
This information may include financial and personal information you
provide during a session.
Sharing Information Outside Horizon Bank
We do NOT share nonpublic personal information about you with anyone,
except as permitted by law.
The law requires or permits us to provide nonpublic personal information
about you to nonaffiliated third parties in order to:
-
respond to a
subpoena or court order;
-
report to consumer
reporting agencies;
-
facilitate a
proposed or actual sale, merger, or transfer of all or a portion of
the bank or an operating unit;
-
protect against
fraud;
-
collect on a debt
obligation; or
-
allow
our service providers to help us process your applications or
service your accounts. Service providers may include data
processors, telephone and Internet service providers, check
printers, billing service providers, mail service companies,
insurers, loan settlement service providers, property inspection
companies, attorneys or other professionals. These companies are
contractually obligated to keep your information private and to use
it only for the purpose specified.
We may report information about your account to credit
bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.
Sharing Information
within the Bank and Information Accuracy
We restrict access to nonpublic personal information about you to those
employees who need to know that information in the course of their job
responsibilities. Employees are educated in the importance of
maintaining the confidentiality of your information.
We maintain physical, electronic, and procedural safeguards that comply
with federal standards to protect customer information. We also have
internal controls to keep customer information as accurate and complete
as we are able. We do not share nonpublic personal information with any
bank affiliate for marketing purposes.
Former
Customers
We do not disclose nonpublic personal information about former
customers, except as permitted by law.
|
|
