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Privacy Policy

Our Privacy Commitment to You.

Thank you for choosing Heritage Bank & Trust to fulfill your financial needs. We value our relationship and the sacred trust you have placed with us; therefore, we take every precaution to protect your personal information. To protect your privacy, we implemented very strict guidelines concerning the use of your information, and designed this statement to inform you of these guidelines.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION. We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with other parties.
• Information from a consumer credit reporting agency.
• Information we receive as a result of verifying customer information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms, such as your name, address, social security number assets, income; and liabilities.
• Information about your transactions with us, such as your account balance, payment history, and collateral.
• Information we receive from a consumer reporting agency, such as creditworthiness and credit history.

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may disclose information pursuant to joint marketing agreements to the following types of businesses: Financial service providers, such as: Insurance agents, Investment company, and Trust company. We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Heritage Bank, Post Office Box 3749, Norfolk, VA 23514.