|
F A C T S |
WHAT DOES AMERICAN
HERITAGE BANK DO
WITH YOUR PERSONAL INFORMATION? |
|
Why? |
Banks 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 and income
* Account balances and payment history
* Credit history and credit score
When your account is closed, we continue to share information about
you according to our policies. |
|
How? |
All banks need to share customers’
personal information to run their everyday business – to process
transactions, maintain customer accounts, and report to credit
bureaus. In the section below, we list the reasons banks can share
their customers’ personal information; the reason American Heritage
chooses to share; and whether you can limit the sharing. |
|
Reasons we can share your personal
information |
Does American Heritage share? |
Can you
limit this sharing? |
|
For our everyday business purpose –
to process your transactions, maintain your account, and 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
banks |
No |
We
don’t share |
|
For our affiliates’ everyday
business purposes – information about your transactions and
experience |
No |
We
don’t share |
| For our affiliates’
everyday business purposes – information about your creditworthiness |
No |
We
don’t share |
| For our affiliates
to market you |
No |
We
don’t share |
| For our
non-affiliates to market you |
No |
We
don’t share |
|
Contact Us |
Call 1-866-762-2800 or
go to www.ahbnm.com |
|
Sharing practices |
| How often does
American Heritage Bank notify me about their practices? |
We must notify you about our
sharing practices when you open an account and each year while you
are a customer. |
How often does
American 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. |
| How often does
American Heritage Bank collect my personal information?
|
We collect your personal
information, for example, when you
* Open an account or deposit money
* Pay your bills or apply for a loan
* Use your credit or debit card
We also collect your personal information from others, such as
credit bureaus, affiliates, or other companies. |
|
Definitions |
| Everyday business
purposes |
The actions necessary by the bank
to run their business and manage customer accounts, such as
* Processing transactions, mailing, and auditing services
* Providing information to credit bureaus
* Responding to court orders and legal investigations |
| Affiliates |
Companies related by common
ownership or control. They can be financial and non-financial
companies.
* American Heritage Bank has no affiliates |
| Non-affiliates |
Companies not related by common
ownership or control. They can be financial and non-financial
companies.
* American Heritage Bank does not share with non-affiliates so
they can market to you |
| Joint marketing |
A formal agreement between
non-affiliated financial companies that together market financial
products or services to you.
* American Heritage Bank doesn’t jointly market |
As required by:
Sections 501 and 505b of the Gramm-Leach
Bliley Act and 12CFR part 364 Appendix B of the Interagency Guidelines for
Establishing Information Security Standards.
|
