Privacy Policy

Your Privacy is Important

Horicon Bank will never contact you asking for private information, including:

Account numbers
Debit card number
Social Security numbers
Passwords
Personal identification numbers (PINs)

If you receive a call, email or text from someone claiming to represent Horicon Bank, asking for your private information, please call our Customer Support Center at 888-343-3040 or visit one of our locations.

Horicon Bank Credit Card App, an application provided to Horicon Bank Credit Card customers, periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the solution is being used or not at all, depending on the end user’s selection. End users can change their location permissions at any time in their device settings.

The Horicon Bank Mobile Application requests access to information stored on your device such as location, camera, images, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. Before granting access to this information you will be prompted to give the application permission, if you do not wish to grant permission, you may decline.

Rev. 12/2010

An introduction to this privacy policy
Facts	What does Horicon 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. This information can include: Social Security number and payment history checking account information and account balances account transactions and transaction history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share 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 Horicon Bank chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does Horicon Bank share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	Yes
For our marketing purposes— to offer our products and services to you	No	We Do Not Share
For joint marketing with other financial companies	No	We Do Not 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	No	We Do Not Share
For affiliates to market to you	No	We Do Not Share
For nonaffiliates to market to you	No	We Do Not Share

How to limit our sharing
To limit our sharing

What to do if you have questions
Questions?	Call 920-485-3040 or go to www.horiconbank.com

Who is providing this notice
Who we are
Who is providing this notice?	Horicon Bank

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Horicon 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.
How does Horicon Bank collect my personal information?	We collect your personal information, for example, when you: apply for a loan or open an account show your driver's license or show your government-issued ID provide account information 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 sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include others, such as our Holding Company.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Horicon 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. Horicon Bank doesn't jointly market.