Personal Information & Privacy Protection Policy

Facts A State Bank Group Banking ServiceWHAT DOES HARVARD SAVINGS 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
  • Account Balances
  • Overdraft History
  • Credit History
  • Transaction History
  • Payment 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 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 Harvard Savings Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information. Does Harvard Savings 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 No
For joint marketing with other financial companies Yes 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 nonaffiliates to market to you No We don’t share
Questions? Call 815-943-5261 for Harvard Savings Bank
Who We Are
 Who is providing this notice? Harvard Savings Bank
What We Do
How does Harvard Savings 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. 

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Harvard Savings Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Show your Driver’s license
  • Give us your wage statements
  • Request a wire transfer

We also collect your 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. 

See below for more on your rights under state law.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Harvard Savings Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Harvard Savings 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.
  • Harvard Savings Bank have no joint marketing agreements.
Other Important Information

For Illinois Customers:  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing purposes without your authorization.

REV. 4-2015

 

Safe Banking Tips

Never give out the following information in an email:

  • First name, last name, business name
  • Email and password combination

  • Credit card, bank account, and PIN
  • Social security and driver's license number

Do not download attachments, software updates, or any application to your computer via a link you received in an email. The State Bank Group will not ask you to download anything for your account to work.

LEARN MORE! SEE HOW TO PROTECT YOUR ACCOUNT WITH THE STATE BANK GROUP