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Digital Wallet Terms

Terms for Adding Your Horicon Bank Card to a Digital Wallet

These Terms for Adding Your Horicon Bank Card to a Digital Wallet ("Digital Wallet Terms") apply when you choose to add a Horicon Bank credit card or debit card issued by Horicon Bank ("Horicon Bank Card") to a digital wallet, including, but not limited to, Apple Pay® or Samsung Pay® ("Digital Wallet"). In these terms, "you" and "your" refer to the cardholder of the Horicon Bank Card, and "we," "us," "our," and "Horicon Bank" refer to Horicon Bank.  When you add a Horicon Bank Card to Digital Wallet, you agree to these terms and conditions.

Adding Your Horicon Bank Card to a Digital Wallet

You can add an eligible Horicon Bank Card to a Digital Wallet by following the instructions of the Digital Wallet provider. Only Horicon Bank Cards that we tell you are eligible can be added to a particular Digital Wallet. If your Horicon Bank Card or underlying account is not in good standing, that Horicon Bank Card may not be eligible to be added to the Digital Wallet. When you add a Horicon Bank Card to a Digital Wallet, the Digital Wallet allows you to use the Horicon Bank Card to enter into transactions where the Digital Wallet is accepted. The Digital Wallet may not be accepted at all places where your Horicon Bank Card is accepted.  When you enroll in the Digital Wallet, we may require additional verification.

Horicon Bank Responsibilities

Horicon Bank is not responsible for the Digital Wallet. Horicon Bank is not the provider of the Digital Wallet, and we are not responsible for providing the Digital Wallet service to you. We are only responsible for supplying information to the Digital Wallet provider to allow usage of the Horicon Bank Card in the Digital Wallet. We are not responsible for any failure of the Digital Wallet, or the inability to use the Digital Wallet for any transaction. We are not responsible for the performance or nonperformance of the Digital Wallet provider or any third parties regarding any agreement you enter into with the Digital Wallet provider or associated third party relationships that may impact your use of the Digital Wallet.

Keep Credentials and Device Secure

You agree not to allow others to log on to or use your mobile phone or other device if that would mean that they could then use your Horicon Bank Card in the Digital Wallet to make transactions. You will ensure that only your security details, fingerprint or other security measure can be used to use your card in the Digital Wallet. You shall keep these details secure and shall not share them with others.

Fees

We do not charge you extra for adding your Horicon Bank Card to a Digital Wallet or for using your Horicon Bank Card in a Digital Wallet. The Digital Wallet provider and other third parties, such as mobile phone or wireless companies, data service providers or retailers may charge you for using the Digital Wallet or for making transactions using the Digital Wallet.

Your Horicon Bank Card Terms Apply

The terms and account agreement that govern your Horicon Bank Card do not change when you add your Horicon Bank Card to a Digital Wallet or use your Horicon Bank Card through the Digital Wallet. A Digital Wallet is a useful program that can allow you to make purchases with the Horicon Bank Card via an eligible mobile phone or other device. Any applicable interest, fees, and charges that apply to your Horicon Bank Card will also apply when you use the Digital Wallet to access your Horicon Bank Card. We can block a Horicon Bank Card in the Digital Wallet from purchases at any time.

Removing Your Horicon Bank Card from a Digital Wallet

Instructions given by the Digital Wallet provider will tell you how to remove a card from the Digital Wallet. You should contact the Digital Wallet provider on how to remove a Horicon Bank Card from the Digital Wallet.

Use of Your Information

You agree that we may share your information with the Digital Wallet provider, a payment network and any others in order to provide the services you have requested, to make information available to you about your Horicon Bank Card transactions, and to improve our ability to provide these services. The terms of your Digital Wallet agreement govern the use of your information by the Digital Wallet provider.

Your privacy and the security of your information are important to us. The Horicon Bank Privacy Notice can be found here. We do not control the privacy and security of your information that may be held by the Digital Wallet provider. That is governed by the privacy policy given to you by the Digital Wallet provider.

Contacting You Electronically

You consent to receive electronic communications and disclosures from us in connection with your Horicon Bank Card and the Digital Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any relevant Horicon Bank account. This may include contact from companies working on our behalf to provide the service to you. We can provide information to you concerning these terms and your use of a Horicon Bank Card in a Digital Wallet by email to any electronic mailbox we maintain for you or to any other email address you have given us or by mailing the communication to the address we currently hold for you. You agree to tell us if the contact information you have given to us changes.

Notices

We can provide notices to you concerning these Digital Wallet Terms and your use of the Horicon Bank Card in the Digital Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you.

Questions

If you have any questions or complaints about your Horicon Bank Card, then please contact us at the telephone number on the back of your Horicon Bank Card. If your question or complaint is about the Digital Wallet, then please contact the Digital Wallet provider using the information given to you by the provider.

Governing Law

These Digital Wallet Terms are governed by the laws of the state of Wisconsin.

Terminating or Amending These Digital Wallet Terms

We may terminate these Digital Wallet Terms at any time. We may also change the terms, or add or delete any items in these Digital Wallet Terms, at any time. We will provide notice if required by law. You cannot change these terms, but you can terminate these Digital Wallet Terms at any time by removing all Horicon Bank Cards from the Digital Wallet.

Apple Pay is a registered trademark of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

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