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Privacy Policy

 

 

What Does Highpoint Community Bank Do With Your Personal Information?

Rev. Date 06/2022

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
  • Credit History
  • Income
  • Transaction history
  • Credit Card or Other Debt
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 Highpoint Community Bank chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Highpoint Community 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		 Yes No
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 our affiliates to market to you No We Do Not Share
Questions Call toll-free 888-422-2280 or go to www.highpointcommunitybank.com
What We Do
How does Highpoint Community Bank protect my 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 Highpoint Community Bank collect my information? We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals
  • Pay your bills
  • Apply for a loan
  • 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 non-affiliates 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 non-financial companies.

  • Our affiliates include:
    • Our affiliates include nonfinancial companies, such as Highpoint Insurance Services, Inc., Court Street Financial, Inc., Lighthouse Title Agency – Thornapple River, LLC.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Highpoint Community Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Highpoint Community Bank doesn’t jointly market.