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| 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 inform you about how we collect, share, and protect your personal information. Please read this notice carefully to understand our practices. |
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| What |
| The types of personal information we collect and share depend on the product(s) or service(s) you have with us. This information can include: |
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Social Security number and income |
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Account balances and payment history |
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Credit history and credit scores |
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| When you close your account, we continue to share information about you according to our policies. |
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| How |
| All financial companies need to share customers’ personal information to run their everyday business – to process transactions, maintain customer accounts, and report to credit bureaus. The following section outlines the reasons financial companies can share their customers’ personal information; the reasons Heritage Bank of Central Illinois chooses to share, and whether you can limit this sharing or not. |
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| Reasons we can share your personal information |
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Do we share? |
Can you limit sharing? |
For our everyday business purposes –
to process your transactions, maintain your account, and report to the 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 – |
Yes |
No |
For our affiliates’ everyday business purposes –
information about your transactions and experiences |
Yes |
No |
For our affiliates’ everyday business purposes –
information about your creditworthiness |
No |
We don't share |
| For our affiliates to market to you – |
No |
We don't share |
| For nonaffiliates to market to you – |
No |
We don't share |
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| Sharing Practices |
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| How often does Heritage Bank of Central Illinois notify me about their practices? |
| We must notify you about our sharing practices when you open an account and each year that you are a customer. |
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| How does Heritage Bank of Central Illinois 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. |
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| How does Heritage Bank of Central Illinois collect my personal information? |
| We collect your personal information, for example, when you: |
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open an account or deposit money |
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pay your bills or apply for a loan |
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use a credit or debit card |
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| We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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| Why can’t I limit all sharing? |
| Federal law gives you the right to limit sharing only for: |
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affiliates’ everyday business purposes – information about your creditworthiness |
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affiliates to market to you |
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nonaffiliates to market to you |
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| State laws and individual companies may give you additional rights to limit sharing. |
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Definitions |
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Everyday business practices –
The actions necessary by financial companies to run their business and manage customer accounts such as: |
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processing transactions, mailing, and auditing services |
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providing information to credit bureaus |
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responding to court orders and legal investigations |
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Affiliates –
Companies related by common ownership or control. They can be financial and nonfinancial companies. |
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Nonaffiliates –
Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
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Except for joint partners, Heritage Bank of Central Illinois does not share with nonaffiliates to market to you. |
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Joint marketing – |
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A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
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| Error Resolution |
If you discover inaccuracies in our data or if your personal information changes, we urge you to notify us immediately by calling 309.362.2139 so that we can make the appropriate changes.
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