Effective Date: February 1, 2014
Maintaining and Using Personally Identifiable Information in Electronic Banking Communications
If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the "IP address" assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site, and to help us make our website more useful to visitors. When you visit our website, or use our electronic banking services, there may be times when you are asked to provide information about you that is personally identifiable. This information is encrypted and used internally to handle your request. This may include any of the following: your first, middle and last name, driver's license number, your home or other physical address (including street name and name of a city or town), your e-mail address, a telephone number or social security number, account number, date of birth, mother's maiden name, password or any other identifier that permits physical or online contact with you. Personally identifiable information might be needed or requested from you for you to register for banking or other services, or to fill out our forms or applications for services, for special promotions or contests, or to accomplish transactions you request (such as bill payment or other banking services). This may result in sharing of personally identifiable information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.
Web Browser Settings and Control of Personally Identifiable Information Collection
You may also decide to communicate with us via e-mail. Please note that information sent to Heritage Bank of Commerce via e-mail is not encrypted nor is it confidential. We therefore do not recommend sending information that is non-public in nature (such as social security or tax identification numbers, account numbers, addresses or balances) or any other information you wish to remain confidential be sent to us over the internet.
To change your e-mail address or password connected with our online banking services, you must log into the online banking system. Point to “User Preferences” on the left side of the screen and select the appropriate option, or you may contact us at 800-796-4777.
If you visit our website or engage in any online services that we offer, we may collect and store personally identifiable information as described above, regardless of your browser settings with regard to Do Not Track.
Protecting Customer Information
Categories of Third-Party Persons or Entities with Whom Heritage Bank of Commerce May Share Information
Presently, Heritage Bank of Commerce does not disclose any personally identifiable information about our customers or former customers to anyone, except as permitted by law in connection with the administration, processing, or servicing of customer accounts.
For example, this may include disclosure to a credit-reporting agency or in response to a subpoena or other legal process; disclosure to protect against fraud, and disclosure to protect and defend our rights and property or to act in an emergency or to protect someone's safety.
As we develop our business, we may also buy and sell assets, and, depending on the transactions, your personally identifiable information may be one of the transferred assets. In the event that we are acquired by another company, your personal identifiable information may be part of the assets transferred to the acquiring party.
Children's Online Privacy Protection Act
Heritage Bank of Commerce provides internet based Online Banking services through a third party Online Banking provider. The Online Banking system is operated from the Online Banking provider’s Service Bureau. The Service Bureau runs on a robust operating system using state of the art firewall technology is its first line of defense in preventing unauthorized access to any information housed.
When clients access their account information or any other sensitive data, an encryption system is automatically activated to protect the transmission of information from unauthorized sources.
Heritage Bank of Commerce understands that security is critical to an effective online banking solution. Our online banking provider incorporates a robust firewall system along with intrusion detection and security monitoring service to offer customers secure, real-time internet banking transactions.
Regardless of the efforts, the relative infancy of the internet as a broad-based communication medium when combined with the "open" nature of the internet make it impossible to guarantee absolute confidentiality in all circumstances. However, Heritage Bank of Commerce continues to monitor and review the security procedures that are in place to protect customer information. These measures are updated as practices change and new technology becomes available.
For site security purposes and to ensure that services remain available to all users, the computer systems at Heritage Bank of Commerce employ software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Anyone using this system expressly consents to such monitoring and is advised that if such monitoring reveals evidence of possible abuse or criminal activity, such evidence may be provided to appropriate law enforcement officials. Unauthorized attempts to upload or change information on this web site are strictly prohibited and may be punishable by law under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sections 1001 and 1030.
Please note that Heritage Bank of Commerce will not request any personal information from you via email, nor will we initiate a telephone call and ask you to give it. If you should receive a request for such information which appears to have come from us, please contact us immediately at 800-796-4777.
This is not a solicitation.
CALIFORNIA CONSUMER PROTECTION ACT POLICY
Effective/Last Updated January 1, 2020
Heritage Bank of Commerce (the “Bank”) and all applicable subsidiaries comply with all requirements of the California Consumer Privacy Act of 2018 (“CCPA”).
Your Right to Know About Personal Information Collected, Disclosed, or Sold
A consumer has the right to request that we disclose what personal information we collect, use, disclose, and sell.If you wish to submit a verifiable consumer request for personal information we collect, use, disclose or sell you should do one of the following:
When you submit a Request to Know (“RTK”), the Bank will verify your identity. We will ask you for your name, address, and other pieces of information pertinent to your request.
Collection of Personal Information (“PI”)
Below is a list of categories of personal information we have collected about consumers in the preceding 12 months. For each category identified we have also provided the categories of sources from which we collected the personal information, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the personal information:
Disclosure or Sale of Personal Information
We have not sold any personal information about consumers in the preceding 12 months for a business or commercial purpose.
We DO NOT sell the personal information of minors under 16 years of age without affirmative authorization.
Disclosed for Business Purpose
We have disclosed personal information about consumers to third parties for a business or commercial purpose in the preceding 12 months:
Below is a list of the categories where we have shared consumer information with third parties in the preceding 12 months for Business Purposes:
Right to Request Deletion of Personal Information
You have the right to request the deletion of any personal information about you which we have collected or maintained, subject to certain exceptions.
If you wish to submit a request to delete the personal information we collected or maintain about you, you may call us at (833) 996-1801, or e-mail us at CCPA@herbank.com.
In order to verify your identity we will ask you for information, including but not limited to personal identity and information data, and information about your relationship with Heritage Bank. Heritage Bank may contact you to confirm your identity and comply with your request.
We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
Right to Opt-Out of the Sale of Personal Information
You have the right to opt out of the sale of your personal information.
Heritage Bank of Commerce does not sell your information.
Right to Non-Discrimination for the Exercise of Your Privacy Rights
You have a right not to receive discriminatory treatment by us for the exercise of any privacy rights conferred by the California Consumer Privacy Act.
You may designate an authorized agent to make a request under the California Consumer Privacy Act on your behalf by providing the agent written permission to make the request. We will verify your identity with the authorized agent.
Contact for More Information
For more information, please call us at (833) 996-1801, or e-mail us at CCPA@herbank.com.