FACTS WHAT DOES HERITAGE BANK DO WITH YOUR PERSONAL INFORMATION
Why? Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share and protect your personal information.  Please read this notice carefully to understand what we do.
What? The types of information we collect and share depend on the product or service you have with us.  The information can include: 

  • Social Security number
  • Income
  • Account Balances
  • Checking account information
  • Employment information

When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Heritage Bank of North Florida chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Heritage Bank share?
Can you limit this sharing?
For our everyday business purposes -
Such as to process your transactions, maintain your accounts(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes -
To offer our products and services to you.
Yes
No
For joint marketing with other financial companies
No
We don't share
For our affiliate’s everyday business purposes -
Information about your transactions and experiences
No
We don't share
For our affiliates everyday business purposes -
Information about your creditworthiness.
No
We don't share
For non-affiliates to market to you
No
We don't share

Questions? Call 904-272-2265 or go to www.Heritagebanknfl.com.

What We Do
How does Heritage Bank of North Florida protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Heritage Bank of North Florida collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Use your credit or debit card
  • Show your driver's license
  • Make desposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  • Heritage Bank of North Florida has no affiliates.

Non-affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  • Heritage Bank of North Florida does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Heritage Bank of North Florida doesn’t jointly market.