Policies Of Interest To Our Website Visitors
If you have any questions about this policy, please contact us by calling (888) 474-9995 or write to us at:
58 Johnson Street
Winona, MN 55987
Frequently Asked Questions
- What information does HBC collect?
- What happens when I am browsing?
- What are cookies and does HBC use them?
- How does HBC use my information?
- Does HBC share my information?
- What choices do I have regarding the use of my information?
- Can I access my information?
- Is my information secure?
- What about the privacy of children?
- What are the terms of my User Agreement?
What information does HBC collect?
We collect various types of information depending upon how you use our site.
When you submit a question to customer service, we need your email address to respond and you also may provide us with additional information to help us answer your question.
When you make a payment through hbci.com certain required information will be passed to HBC’s financial services employees for processing of the payment. Any information provided directly or indirectly to us or its financial services employees will be held in strict privacy and neither shared with nor disseminated to other individuals or businesses.
What happens when I am browsing?
If you are not registered for any online service from HBC, you browse HBC websites anonymously. We do not collect personal information — such as your name, address, phone number or email address — if you are browsing this site. HBC uses “cookies” technology to collect information about how our site is used, which includes such information as the IP (Internet protocol) address; the date and time of your visit; and the browser software and operating system used during your visit. It is collected and tracked in aggregate and not linked to you personally. We use this information to measure response rates to banner ads and surveys or potential offers.
What are cookies and does HBC use them?
A cookie is a small piece of information sent by a website that is saved on your hard disk by your computer’s browser. It holds information a site may need to interact with you and personalize your experience. We use two kinds of cookies sessions: session cookies and persistent cookies.
Session cookies exist only for as long as your browser remains open. Once you exit your browser, they go away. We use session cookies to maintain information we need to have in order for you to shop. For example, the Session ID cookie that we ask your browser to hold retains the ID for your shopping cart. Without the Session ID cookie, you can’t add merchandise to your shopping cart and carry it to checkout.
Persistent cookies, in contrast, last from visit to visit; they do not go away when you exit your browser. We use persistent cookies to give you a more personalized shopping experience and to help you navigate our store more efficiently. We will use your information to enhance your site experience. However, you can use our site without accepting a persistent cookie. To do so, you should set your browser options to reject persistent cookies. Alternatively, you can set your browser to notify you when you receive a cookie, which gives you the opportunity to decide whether you want to accept it or not. In many instances, the Help button on your browser toolbar will tell you how you can take these steps.
Cookies can be used by a website to recognize you. But that does not necessarily mean any personal information is stored in the cookies. We store no personal information about you in the cookies. Anything you choose to tell us about yourself (such as your address and email address) is stored safely and separately on our secured severs.
How does HBC use my information?
We may use your information in a number of ways, including the following:
Does HBC share my information?
The information gathered may be shared with corporate affiliates of ours. We also share the information with third parties, and in those situations, the outside party is performing work for us and we will take appropriate steps designed to ensure your information is used only to provide the services requested by us and not for other purposes.
You may use our website to purchase merchandise through a link from another website or search engine and may use their express checkout tool to do so. When you do, please be aware that both our site and that website or search engine receive your information.
For some of our products, we may provide you with a link to the supplier of that product so that you may get further information. If you link to the supplier’s site, the supplier may collect or receive information about you.
In most situations these third parties will receive your information because you will be visiting their websites or using their links. In doing so, you may provide information directly to them. You therefore should refer to their privacy policies to understand how they handle your information and what kinds of choices you have.
Additionally, we may share account or other information when we believe it is necessary to comply with law or to protect our interests or property. This may include sharing information with other companies, lawyers, credit bureaus, agents or government agencies in connection with issues related to fraud, credit or debt collection.
In the event that some or all of our business assets are sold or transferred, we generally would transfer the corresponding information about our customers.
What choices do I have regarding the use of my information?
We provide you with a number of choices regarding our handling of your personal information. If you do not wish your information to be shared with unrelated third parties for marketing purposes, please contact us.
Mail: HBC, Attn: Subscriber Privacy, 58 Johnson Street, Winona, MN 55987
Telephone: In Winona (507) 474-4000, Other communities (888) 474-9995
Telephone and email are available 24 hours a day, seven days a week to allow you to opt-out whenever you choose.
Can I access my information?
Questions regarding your account can be forwarded to our Customer Service Department. You do have the ability to check your account online at hbci.com.
Is my information secure?
We are committed to doing our best to maintain the security of information collected on our site. We work to prevent unauthorized access, maintain data accuracy, and ensure the correct use of information. We have put into place the appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Private account and customer information is located on a secured server behind a firewall; it is not directly connected to the Internet.
Encryption is a process by which a message or information is scrambled while it is in transit to us. It is based on a key that has two different parts, public and private. The public part of the key is distributed to those with whom you want to communicate. The private part is for the recipient’s use only. So long as you use a browser that allows for encryption, when you send personal information to us, you use a public key to encrypt your personal information. If your information is intercepted during the transmission, it is scrambled and very difficult to decrypt. Once we receive your encrypted personal information, we use the private part of our key to decode it.
What about the privacy of children?
What are the terms of my User Agreement?
Please read the User Agreement below.
All users of the website agree that their access to and use of this website are subject to the terms and conditions set forth in this legal notice and all applicable laws, and that any such access or use is undertaken at the user’s own risk. These terms and conditions further are subject to change at any time without prior notice. All content, graphics, code and software used on or incorporated into this website and the arrangement or integration of all such content, graphics, code and software, are subject to copyrights held by or licensed to and all rights thereto are specifically reserved. Permission is granted to electronically copy and print hard copies of pages from this website solely for personal, non-commercial purposes. Any other use of this website or content or information contained in this website is strictly prohibited, unless the written permission by HBC is first obtained.
HBC does not make any representations or warranties about any website you may access through this website. Any such website is independent from HBC and has no control over, or responsibility with respect to, the information provided or activities undertaken by any such website. A link between HBC and another website further does not mean that we endorse that website. You need to make your own independent decisions regarding your interactions or communications with any other website.
HBC does not want to receive confidential, proprietary or trade secret information through this website (excluding information related to any order you submit). Please note that any information, materials, suggestions, ideas or comments sent to us will be deemed non-confidential. And, by submitting any such information, you are granting HBC an irrevocable and unrestricted license to use, modify, reproduce, transmit, display and distribute such materials, information, suggestions, ideas or comments for any purpose whatsoever. However, we will not use your name in connection with any such materials, information, suggestions, ideas or comments unless we first obtain your permission or otherwise are required by law to do so.
Any Content uploaded, posted, submitted, or otherwise made available by individual users of the this site, including without limitation articles or other submissions, comments to articles, or any other user generated content is the sole responsibility of the person who made such content available on the site through direct posting and/or email. Under no circumstances will HBCI be liable in any way for any user content made available through this site by you or any third party.
Since HBC Websites do not control the user content posted on the site, it does not guarantee the truthfulness, integrity, suitability, or quality of that user content, and it does not endorse such user content. You also agree and understand that by accessing HBC websites, you may encounter content that you may consider to be objectionable. HBCI has no responsibility for any user content, including without limitation any errors or omissions therein. HBCI parties are not liable for any loss or damage of any kind incurred as a result of any user content on the site.
User Content is owned by the author thereof, and HBCI does not claim ownership of original works created and posted by individual visitors to this site. However, by uploading, posting, transmitting or otherwise making any user content available on or through this site, you are granting HBCI, and its parent, subsidiaries, affiliates, and other related entities an irrevocable, nonexclusive, perpetual, royalty-free, transferrable, sub-licensable, worldwide license to copy, reproduce, modify, publish, display, distribute publicly, perform, exploit, and prepare derivative works of such user content (including your name, image, likeness, or information you have made publicly available in connection therewith) in any manner, media or format now existing or hereafter devised, without any obligation of notice, attribution or compensation to you.
HBCI reserves the right (but has no obligation) in its sole discretion to pre-screen, edit, refuse, move or remove any content that is posted on the site. You agree that the exercise by HBCI of such discretion shall not convert or transform user content to content owned or provided by HBCI, and the user who made such user content available on the site will retain ownership thereof as described below.
Notice to Internet users
The Internet allows you to span the globe and information can be accessed across countries and cultures. These sources of information belong to many different organizations, companies, governments and people around the world. Certain Internet services may contain language and pictures, which some individuals may find offensive or inflammatory. HBC exercises no control over the content of the information passing through the Internet and any use of information obtained via HBC Internet is at your own risk. We do not endorse such materials and disclaim any and all liability for their content. Internet filtering and monitoring software is commercially available at your local software retailer. HBC also provides a filtered access option.