Privacy Policy and
General Disclaimer

General Disclaimer

Heritage Bank takes reasonable measures to ensure the quality of the information produced by Heritage Bank that is available on our web site. However, Heritage Bank makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, or completeness of any information that is available through our web site.

Reference to any specific commercial product, process, or service by trade name, trademark, manufacture, or otherwise does not constitute an endorsement, recommendation, or favoring by Heritage Bank.

Heritage Bank encourages the use of our web site as another means of access to our products and services. All requests made through our web site will receive the same attention and evaluation according to the same account criterion as those requests made in person.

Non-Heritage Bank Information

For convenience and informational purposes only, the Heritage Bank web site provides links to other web sites. These web sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from Heritage Bank. Heritage Bank is not responsible for the content of external web sites linked to or referenced from our web site. Heritage Bank neither endorses the information, content, presentation, or accuracy, or makes any warranty, express or implied, regarding these external web sites. Users should be aware that when they seek a link on the Heritage Bank web site to external web sites, they are leaving our web site.

Privacy Policy

Heritage Bank is committed to protecting user privacy, and the Heritage Bank web site is maintained consistent with the Banking Industry Privacy Principles for US Financial Institutions. The Heritage Bank website does not collect personal identifying information about site users except when specifically and knowingly provided by such users. Once you have provided personal identifying information, it will only be used for managing the Heritage Bank web site, or for such other purposes as described at the point of data collection. Such information will not be transferred to other parties unless it is so stated at the point of data collection.


Banking Industry Privacy Principles

1. Recognition of a Customer’s Expectation of Privacy
Financial institutions should recognize and respect the privacy expectations of their customers and explain principles of financial privacy to their customers in an appropriate fashion. This could be accomplished, for example, by making available privacy guidelines, and/or providing a series of questions and answers about financial privacy to those customers.

2. Use, Collection and Retention of Customer Information
Financial institutions should collect, retain, and use information about individual customers only where the institution reasonably believes it could be useful (allowed by law) to administer that organization's business and to provide products, services and other opportunities to its customers.

3. Maintenance of Accurate Information
Financial institutions should establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. Financial
institutions should also respond to requests to correct inaccurate information in a timely manner.

4. Limiting Employee Access to Information
Financial institutions should limit employee access to personally identifiable information to those with a business reason for knowing such information. Financial institutions should educate their employees so that they will understand the importance of confidentiality and customer privacy. Financial institutions should also take appropriate disciplinary measures to enforce employee privacy responsibilities.

5. Information Protection via Established Security Procedures
Financial institutions should maintain appropriate security standards and procedures regarding unauthorized access to customer information.

6. Restrictions on the Disclosure of Account Information
Financial institutions should not reveal specific information about customer accounts or other personally identifiable data to affiliated third parties for their independent use, except for the
exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless

1) the information is provided to help complete a customer
initiated transaction;
2) the customer requests it;
3) the disclosure is required by/or allowed by law; or
4) the customer has been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline.

7. Maintaining Customer Privacy in Business Relationship with Third Parties
If personably identifiable customer information is provided to a third party, the financial institution should insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.

8. Disclosure of Privacy Principles to Customers
Financial institutions should devise methods of providing a customer with an understanding of their privacy policies. Customers that are concerned about financial privacy will want to know about an institution's treatment of this important issue. Each financial institution should create a method for making available its privacy policies.