Privacy Statement at Heritage Bank

Privacy Statement

Our bank recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our web site. Personal Information includes all of the personally identifying information which you provide us online. You may give us Personal Information when you enroll for online services, when you use online banking, when you use any of our online financial tools, or when you send us an e-mail. As a result, we have adopted the following privacy principles, continuing our commitment to provide top quality service to our valued customers.

Recognition of Your Expectation of Privacy

We recognize that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us. We maintain standards and procedures designed to prevent misuse of this information.

When is Personal Information Collected Online?

Online Banking

When you bank online with our bank and our business partners who help us deliver these services to you will have access to your Personal Information. This information is retained on either our bank's or our partners' systems in order to provide you with the services you have requested.

Applications

When you enroll in online banking, you will be asked for Personal Information in order to process your enrollment. The bank and its business partners who help provide you with the service may retain this information.

Calculators

When you use calculators on our web site, you may be asked for Personal Information in order to complete the requested analysis. The provider of the calculator may retain this information.

E-Mail

When you send us e-mail, we will retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have.

Firewalls

The Online Banking server is protected by a firewall, which is setup to reject unauthorized access from the Internet. This reemphasizes the importance of the password, which is the only legitimate entry into the program. Our Online Banking System uses an industry award winning and ICSA Certified firewall.

How does your bank use the Personal Information I provide online?

Our bank will use Personal information, as appropriate in the normal course of our business, to provide you with the services you have requested. We will also use Personal Information to identify you, to communicate with you, to help us respond to your questions and to understand which of our bank's products and services will best meet your needs.

Our Maintenance of Accurate Information

We have procedures to help assure that your financial information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. While federal or state law requires some of these procedures, we have implemented additional procedures to maintain accurate, current, and complete financial information, including processes to update information and remove old information.

Limiting Employee Access to Information

We have procedures and security levels that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and the Heritage Bank Code of Ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Security Procedures to Protect Information

We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. We update and test our technology to improve the protection of our information about you and to assure the integrity of our information.

Restrictions on Disclosing Information to Parties Outside the Financial Institution

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our organization for their independent use unless:

  1. You request or authorize it;
  2. The information is provided to help complete a transaction initiated by you;
  3. The information is provided to a reputable credit bureau or similar information reporting agency;
  4. The disclosure otherwise is lawfully permitted or required.

Maintaining Your Privacy in Business Relationships with Outside Third Parties

Sometimes it is necessary to provide personally identifiable information about you to a third party, such as to a vendor or service company that we hire to prepare your account statements or to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

These Customer Privacy Principles apply to consumers, and we reserve the right to change them, along with related provisions, at any time.

FDIC offers insurance coverage up to $250,000.00 per customer.