At Heritage Bank, protecting your personal and financial information is our top priority. This Privacy Policy explains how we collect, use, share, and protect your information when you use our services.
1. Information We Collect
We collect information to provide and improve our services. The types of information we collect include:
Personal Information
- Full name, date of birth, and Social Security Number
- Contact information (address, phone number, email)
- Employment and income information
- Government-issued identification
Financial Information
- Account numbers and balances
- Transaction history
- Credit history and scores
- Payment and billing information
Technical Information
- IP address and device information
- Browser type and settings
- Usage data and preferences
- Cookies and similar technologies
2. How We Use Your Information
We use your information for the following purposes:
| Purpose | Description |
|---|---|
| Account Management | Open and maintain your accounts, process transactions |
| Service Delivery | Provide banking services, loans, and investments |
| Security | Prevent fraud, verify identity, protect accounts |
| Communication | Send statements, alerts, and important notices |
| Improvement | Enhance our products, services, and user experience |
| Compliance | Meet legal, regulatory, and reporting requirements |
3. Information Sharing
We may share your information with:
- Service Providers: Companies that help us deliver services (payment processors, IT providers)
- Affiliates: Our family of companies for joint marketing purposes
- Business Partners: With your consent, for products that may interest you
- Legal Requirements: When required by law, court order, or regulatory request
- Protection: To protect our rights, privacy, safety, or property
4. Your Privacy Rights
You have the following rights regarding your personal information:
Access
Request copies of your personal data
Correction
Request correction of inaccurate data
Deletion
Request deletion of your data
Opt-Out
Opt out of marketing communications
Portability
Receive your data in portable format
Restrict
Restrict processing of your data
5. Data Security
We implement robust security measures to protect your information:
6. Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences and settings
- Authenticate your identity for security
- Analyze site traffic and usage patterns
- Deliver relevant advertisements
You can manage cookie preferences through your browser settings. For details, see our Cookie Policy.
7. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will promptly delete it.
8. International Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in compliance with applicable laws.
9. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records
When information is no longer needed, we securely delete or anonymize it.
10. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our website. The "Last Updated" date at the top indicates when changes were made.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us: