Western Heritage Bank
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Privacy Policy

Rev. 03/2017

FACTS WHAT DOES WESTERN HERITAGE BANK DO WITH YOUR PERSONAL INFORMATION?

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 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
  • credit history and credit scores
  • payment history and transaction history
     

When you are no longer our customer, we continue to share your information as described in this notice.


How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Western Heritage Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Western Heritage Bank share? Can you limit this sharing?
For our everyday business purposes - 
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or 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 financial companies Yes No
For our affiliates’ everyday business purposes - 
information about your transactions and experiences
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 to you No We don't share
For nonaffiliates to market to you No We don't share

Questions? Call 575-541-0058 or go to https://www.westernheritagebank.com

 

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What we do
How does Western 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 does Western Heritage Bank collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or give us your income information
  • open an account or apply for financing
  • make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you 

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.


Definitions
Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  • Western Heritage Bank does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Western Heritage Bank does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include TIB a credit card company.

 

Other important information

You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.

 

Privacy Notice Model Form Violations Checklist

We did not detect any common deviation from the safe harbor Model Form and Instructions. You should ensure that selections you have made and text you have entered in the various prompts and fields are consistent with Field and Window Helps, the Model Form and Instructions, and your institution's privacy policies.


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