These Terms of Service govern your use of Heritage Bank's products, services, and digital platforms. By using our services, you agree to these terms. Please read them carefully.
1. Acceptance of Terms
By accessing or using Heritage Bank's website, mobile applications, or any of our services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.
2. Description of Services
Heritage Bank provides a range of financial services including but not limited to:
3. Eligibility
To use our services, you must:
- Be at least 18 years of age (or the age of majority in your jurisdiction)
- Be a legal resident of the United States
- Have a valid government-issued identification
- Provide accurate and complete information during registration
- Maintain a valid email address and phone number
4. Account Registration
When you create an account with Heritage Bank, you agree to:
- Provide accurate, current, and complete information
- Maintain and promptly update your account information
- Maintain the security of your password and account credentials
- Accept responsibility for all activities that occur under your account
- Immediately notify us of any unauthorized use of your account
5. Security
You are responsible for maintaining the confidentiality of your account credentials. Heritage Bank employs industry-standard security measures including:
6. Prohibited Activities
You agree not to use our services for:
- Any unlawful purpose or illegal activities
- Money laundering or terrorist financing
- Fraudulent transactions or identity theft
- Unauthorized access to our systems or other users' accounts
- Transmitting viruses, malware, or harmful code
- Interfering with the proper operation of our services
- Circumventing any security features
- Any activity that violates applicable laws or regulations
7. Fees and Charges
Heritage Bank may charge fees for certain services. Current fee schedules are available:
- On our Disclosures page
- At any branch location
- By contacting customer service
We will provide advance notice of any changes to our fee structure as required by law.
8. Limitation of Liability
To the maximum extent permitted by law, Heritage Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, data, or goodwill
- Service interruptions or system failures
- Unauthorized access to your information
- Errors or omissions in any content
- Any other matter relating to our services
9. Termination
Heritage Bank reserves the right to terminate or suspend your account at any time for:
- Violation of these Terms of Service
- Suspected fraudulent or illegal activity
- Non-payment of fees or negative account balances
- Inactive accounts (after required notice)
- Any other reason at our sole discretion
10. Changes to Terms
Heritage Bank reserves the right to modify these Terms of Service at any time. We will notify you of significant changes via:
- Email to your registered address
- Notices on our website and mobile app
- Statements or letters
Your continued use of our services after such modifications constitutes acceptance of the updated terms.
11. Contact Information
If you have questions about these Terms of Service, please contact us: