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Our Internet Web Site - Visitors to
the Hardin County Savings Bank web site remain anonymous. We do not collect
personal identifying information about site users, unless you choose to
provide such information to us. Standard software is used to collect and
store ONLY the following non-identifying information about our visitors: the
name of the domain from which you access the Internet (for example, aol.com,
if you are connecting from an America Online account, or iastate.edu if you
are connecting Iowa State University's domain); the date and time you access
our site; and the Internet address of the website from which you linked
directly to our site. If you submit an online application, it will be
transmitted over a secure connection using encryption, and will alert you to
this fact. This is the case where confidential information, such as your
account number or social security number is requested. Visitors may elect to
provide us with personal information via e-mail or our feedback form. This
information is used internally, as appropriate, to handle the sender's
request and manage the Hardin County Savings Bank web site. It is not
disseminated or sold to other organizations. Visitors should, however, keep
in mind e-mail is not necessarily secure against interception. If you do not
agree with the use of this information, or are not comfortable with the
level of privacy, please use the clear button in on-line forms, or cancel an
e-mail before it is sent. Visitors should call us directly at 641/939-3407
if requests or statements include sensitive or private information, such as
your account numbers, credit card numbers or social security number. Hardin
County Savings Bank will NEVER ask you for your Personal Identification
Number (PIN) for your SHAZAM or SHAZAMChek ATM card or other bank card. If
you are asked for this information, please call 641-939-3407 and report it
to a customer service representative immediately.
What Information We Collect - Information about consumers is gathered
from a variety of sources. Some information is provided to us directly by
customers themselves. Other data is developed by us as a function of
providing a product or service to a customer. Still other information is
obtained from outside sources. This could include affiliated companies and
consumer reporting agencies.
We collect, retain and use information about you only where we reasonably
believe that it will help administer our business or provide products,
services, and other opportunities to you. We collect and retain information
about you only for specific business purposes – and we will tell you why we
are collecting and retaining it upon your request. We use information to
protect and administer your records, accounts, and funds; to comply with
certain laws and regulations; to help us design or improve our products and
services; and to understand your financial needs so that we can provide you
with quality products and superior service.
What Information We Disclose - We are allowed by law to share
information with our “affiliates”. An “affiliate” is a company Hardin County
Savings Bank owns or controls, or a company that is owned or controlled by
the same company that owns or controls us.
We may share the following types of information with our “affiliates”;
• Information we receive from you on applications or other account forms,
such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates or others,
such as your account balance, payment history, parties to transactions, and
credit card usage; and
• Information we receive from credit bureaus, such as your creditworthiness
and your payment history.
We may also share customer information with nonaffiliated companies. Hardin
County Savings Bank places strict limits on who receives specific
information about customer accounts or other personally identifiable data.
We do not reveal specific information about your accounts or other
personally identifiable data to nonaffiliated companies unless:
1) the information is provided to help complete a customer initiated
transaction;
2) the customer requests or permits it;
3) the information is provided to a reputable credit bureau or similar
information reporting agency; or
4) the disclosure is required by or allowed by law (e.g., subpoena,
investigation of fraudulent activity, request by regulator, etc).
When Hardin County Savings Bank conducts business with nonaffiliated third
parties, we require its vendors and suppliers to maintain similar standards
of conduct regarding the privacy of personally identifiable customer
information provided to them. We do not provide account or personal
information to nonaffiliated third parties for the purpose of independent
telemarketing or direct mail marketing of any non-financial products or
services of those companies.
If you decide to close your account(s) or become an inactive customer, we
will continue to adhere to the privacy policies and practices described in
this notice. “Opt Out” Procedures
Hardin County Savings Bank is providing you this notice.
Federal law gives you the right to limit some but not all marketing from our
affiliates. Federal law also requires us to give you this notice to tell you
about your choice to limit marketing from our affiliates. You may limit our
affiliates in the Hardin County Savings Bank group of companies, such as our
insurance company or real estate broker affiliates, from marketing their
products or services to you based on your personal information that we
collect and share with them. This information could include your account
history with us and your credit score.
To limit marketing offers from our affiliates, contact us by telephone:
641-939-3407.
Our Security Procedures - Hardin County Savings Bank continually
strives to maintain complete and accurate information about you and your
accounts. Should you ever believe that our records contain inaccurate or
incomplete information about you, please notify us. We will investigate your
concerns and correct any inaccuracies.
We limit employee access to personally identifiable customer information to
those with a business reason to know such information. Employees are
educated on the importance of maintaining the confidentiality of customer
information. Employees are responsible for maintaining this confidentiality,
those who violate this responsibility will be subject to disciplinary
measures.
Hardin County Savings Bank is committed to the security of your financial
and personal information. All of our operational and data processing systems
are in a secure environment that protects your account information from
being accessed by third parties. We maintain and grant access to customer
information only in accordance with our internal security standards.
We value our customer relationships. If you have any questions about how we
protect your confidential information, please contact any of our offices or
email us at hcsb@hardincsb.com.
Eldora – 641-939-3407
Union – 641-486-5331
Liscomb – 641-496-5215
New Providence – 641-497-5331 |
