Horizon Financial Bank
 
 
Privacy Policy

Rev. December 2013

FACTS
WHAT DOES HORIZON FINANCIAL 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 transaction history
  • account balances and payment history
  • account transactions and credit card or other debt
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 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 Horizon Financial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Horizon Financial 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
No
For our marketing purposes—
to offer our products and services to you
No
We don't share
For joint marketing with other financial companies
No
We don't share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No
We don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We don't share
For our affiliates to market to you
No
We don't share
For nonaffiliates to market to you
No
We don't share

Questions?
Call 1-800-859-2035

What we do
How does Horizon Financial 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 Horizon Financial Bank collect my personal information?
We collect your personal information, for example, when you
  • open an account or apply for a loan
  • show your driver’s license or make deposits or withdrawals from your account
  • use your credit 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
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Horizon Financial Bank does not share with our affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Horizon Financial 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.
  • Horizon Financial Bank does not jointly market

Branches: Devils Lake, ND 701-665-2020 Munich, ND 701-682-5331 Osnabrock, ND 701-496-3482
FDIC Insured The first choice for all your financial needs.

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