Our Privacy Commitment to You
We recognize, respect, and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer’s information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all customers who visit our banks and our website. We first define some terms.
- Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
- An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
- A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
We, our, and us, when used in this notice means Heartland State Bank. This is our privacy notice to our customers. When we use the words "you" and "your" we mean the following types of customers: Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n), deposit account, loan account, and financial, investment, or economic advisory services. We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
Confidentiality and Security of Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us, our affiliates, or others
- Information we receive from consumer reporting agency
Nonpublic Personal Information We Disclose
We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to nonaffiliated third parties as permitted by law.
Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: HEARTLAND STATE BANK PO BOX 165 WESSINGTON, SD 57381
Browsing our Site
When you visit our website to view any pages, read product information, or use our online tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
- The name of your Internet Service Provider,
- The website that referred you to us (if any),
- The date and time the pages were accessed, and
- The page or pages you requested.
How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.
On-Line Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.
Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
- Windows and Unix operating systems:
Netscape Navigator 4.08 of later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.01 or later.
Netscape Navigator 4.08 or later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.5 or later.
Protecting your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.