| Heartland Bank and its subsidiaries know and understand how important protecting your financial privacy is to you. Concerns for customer privacy and confidentiality are cornerstones of the financial industry. For these reasons, we have adopted the following privacy practices to assist you in understanding the measures we take to protect your personal and financial information.
Definition of Terms
Some of the terms we will use in this statement
include the following:
• “We”, “our”, and “us” mean the following companies that are in our corporate family:
• Heartland Bank – A full service financial services provider
• Heartland Business Credit, a wholly owned subsidiary of Heartland Bank – A business credit and leasing provider
• Heartland Financial Security Group, a wholly owned subsidiary of Heartland Bank – A financial services provider
• “You” and “your” mean an individual (a person; not a business operator, corporation, partnership or trust, for example) who applies for or receives a financial product or service with us for personal, family, or household purposes.
• Affiliate: Any company that controls, is controlled by, or is under common control with Heartland Bank.
• Nonaffiliated Third Party: Any company that is not an affiliate of ours.
• Nonpublic Personal Information: Personally identifiable financial information about you that we obtain when providing a financial product or service.
It does not include information that we believe is lawfully available from public sources, such as telephone directories or government records.
Information We Collect
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on forms such as applications or in other ways, for example your name, address and social security number;
• Information about your transactions with us, our affiliates, or others; for example, your account balance; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Confidentiality and Security
We restrict access to your nonpublic personal information 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 guard your nonpublic personal information.
Non-sharing Provision
We do not disclose any nonpublic personal information about our customers or former customers to any non-affiliated entity, except as permitted by law. However, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. If you decide to close your accounts or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
Information We Can Share with Our Affiliates
As is consistent with our mission to provide you with superior financial products and services, we may share nonpublic personal information about our transactions and experiences with customers and former customers among the Heartland Bank Companies, as permitted by law. You may limit our affiliates from marketing their products or services to you based on information that we share with them, such as your account history with us. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them.
To limit marketing offers from our affiliates:
• Call us at 314.512.8888 or toll free at 866.512.8501 OR
• Contact us by mail at:
Heartland Bank
Privacy Department
P.O. Box 16959
St Louis, MO 63105-1359
|
