Privacy Policy

We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example: We limit employee access to customer information to those who have a business reason to know this information. Employees are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so. We maintain policies and procedures covering the proper physical security of workplaces and records. Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information. We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us. We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data. We collect and maintain customer information as part of servicing your account and your customer relationship.

In the course of serving you, we collect information about you from a variety of sources, such as: Information you provide to us on applications or forms, such as your income and accounts with others. Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status. Information about your transactions or experiences with companies affiliated with The customer information we collect is used to serve your accounts and meet your financial needs. Information may be used among the Heritage Corporate Services companies, as well as with authorized third parties (described below), for a number of purposes, such as: To protect your accounts from unauthorized access or identity theft To service your accounts by issuing prizes To keep you informed about financial services of interest to you We share information with nonaffiliated third parties when they are acting on our behalf, or acting jointly with us. We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including: Companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers, or companies that help us market Heritage Corporate Services products and services to you. There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information. It is important to note that we do not share customer information with other companies for the purpose of marketing their products to you, unless the sharing is in connection with: Maintaining or servicing an account with us, or with a third party as part of a private label credit card program or other extension of credit on behalf of the third party; or Marketing of our own products or services. Within the Heritage Corporate Services companies, we share information so that we can work together to serve you. We may disclose all of the information we collect, as described above, within and other affiliated Heritage Corporate Services companies, including: Our administrative and service units which, for example, service your accounts or prepare your account statements. Heritage Corporate Services companies which provide financial and other services. These include consumer bankers, mortgage lenders, consumer lenders, securities broker-dealers, insurance agencies, and real estate brokerage companies. By law, information that helps us identify you or is derived from your transactions and experiences with us may be shared among the Heritage Corporate Services companies.

(a) for purposes other than direct marketing, and
(b) unless you instruct us otherwise, for direct marketing purposes. You can instruct us not to share other personal financial information about you with other Heritage Corporate Services companies.
(c) In addition, if you select that option, we will not share any information about you with our affiliates for direct marketing purposes. Indicate your preference by emailing at any time.

Please note that if you choose not to receive product information by direct mail or telephone, you may continue to receive marketing information by mail about your accounts. Marketing information may be included in regular account mailings. Some state laws may impose additional restrictions on disclosure of information about customers in those states to nonaffiliated third parties for certain purposes. You have choices at Within the Heritage Corporate Services companies, we may share information about you as described above. However, you may instruct us not to share certain personal financial information as described above by emailing You may notify us of your preference at any time. If you are satisfied with the current level of information you receive from, you do not need to change your solicitation preference at this time.

If you choose not to hear from us, you may not be notified about new services at that may benefit you. You may always change your instructions at any time in the future by emailing If you have already recorded your privacy preferences with us, there is no need to do so again. This disclosure applies to consumers who have, or have had, a customer relationship with one or more of the sites and companies with "Heritage Corporate Services" in their names that are affiliated with The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.