Privacy policy

A copy of our Privacy Policy is available here for you to view or to print.

Print Privacy Policy

At Heritage Bank, we value our relationship with our customers and are keenly aware of our responsibility and obligations to you. As a customer, you provide us with important information about yourself. We are committed to our responsibility to safeguard your privacy and protect the security and confidentiality of your personal information.

We collect nonpublic information about you from the following sources:
• Open an account
• Deposit Money
• Apply for a loan
• Pay insurance premiums
• Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

We do NOT disclose any information about you to anyone, except as permitted by law. Here are some examples of ways we share information:
• To protect against fraud
• To respond to a subpoena
• To service your account
• To report to a credit bureau
• With your consent

We do NOT under any circumstances sell our customers’ lists or former customers’ lists to anyone for marketing, solicitations, or any other purpose.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. 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 that comply with federal standards to protect this information.

Your confidence in us is important and we want you to know that your personal and account information is safe.

If you have any questions or concerns, please contact us at:
Heritage Bank of St. Tammany
205 N. Columbia St.
Covington, LA 70433
985 892-4565

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 personal information we collect and share depend on the product or service you have
with us. This information can include:

Social Security number
Income
Account balances
Payment history
Credit history
Credit scores

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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For our everyday business purposes -

such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus

Does Heritage Bank share?

Yes

Can you limit this sharing?

No

For our marketing purposes -

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' 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 nonaffiliates to market to you

No

We don't share

Who We Are

Who is providing this notice?

Heritage Bank means Heritage Bank of St. Tammany.

What We Do

How does Heritage Bank 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.

We limit access to your personal information to appropriate personnel with a business need for it. We educate our employees about the importance of confidentiality and customer privacy.

How does Heritage Bank collect my personal information?

We collect your personal information, for example, when you Open an account, Deposit money, Apply for a loan, Pay insurance premiums, Give us your contact information. 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, and affiliates from using your information to market to you. Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

CUSTOMER IDENTIFICATION PROGRAM

Federal regulations enacted pursuant to Section 326 of the USA PATRIOT ACT require all financial institutions to verify the identity of every person who seeks to open an account or become a signatory on an account with the institution after October 25, 2002. All persons are subject to the identity verification requirements even though they may be a long-term customer or well known to the institution.

For the purpose of the regulation, an "account" includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship or safe deposit box rental.

If you request to open an account or become a signatory on an account with Heritage Bank of St. Tammany and we have not previously verified your identity under the new regulatory requirements, we will request documentary verification of your identity, such as a  driver's license or passport and will verify your identity through other non-documentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

Heritage Bank of St. Tammany is required to retain a copy of any document it relied on to verify your identity.

Definitions

Affiliates

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

Heritage Bank has no affiliates.

Nonaffiliates

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

Heritage Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

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

Our joint marketing partners include companies that provide financial products and services.

Questions?

Call 985-892-4565 or go to heritagebank.org