Disclosures & Disclaimers
Privacy Policy
Your Privacy Is Important to Us
At Herget Bank, we appreciate the trust our customers have placed in our financial services. That’s why we emphasize our customers’ privacy as the highest priority. We also realize it is important that you understand the information we collect and how we use it. This policy explains our commitment to provide quality service and protect your information.
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us or others
- Information we receive from a consumer reporting agency
“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.
No Disclosures Outside of Legal Exceptions
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We are permitted under law to disclose nonpublic personal information about you to other parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus.
Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
Customer confidentiality is addressed in the employee handbook “Code of Ethics.” We believe in educating our employees so they will understand the importance of confidentiality and customer privacy. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Special Information Applicable to Electronic (Online) Banking
Our Privacy principles will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, we feel it is important for customers to be aware of the unique issues surrounding Internet Banking.
To better serve legitimate Internet Banking customers, visitors to the Bank's website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors such as:
- Date and time our site was accessed
- IP address (a numeric address given to servers connected to the Internet)
- Web browser used
- City, state and country
This information is used internally only for the purpose of improving our website and is not given or sold to any other organizations.
Visitors may elect to provide us with personal information via e-mail or online registration forms. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.
Some areas of our website may use "cookies" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
We require customers to utilize specific passwords for access to confidential and private information. We remind customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.
More Information
We want our customers to understand our commitment to privacy issues and our use of confidential customer information. Our customers may obtain a copy of this policy at any of our office locations or by calling (309-347-1131), writing (Herget Bank, N.A.; P.O. Box 839; Pekin, IL 61555-0839) or email.
