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|Your Privacy and Security
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Your Privacy is Important to Us
If you have any reason to believe that your personal information with Herring Bank is incorrect or has been compromised,
or if you have any questions, please contact Herring Bank as soon as possible.
When you do business with Herring Bank, you provide important information about yourself. You're asked to provide us with certain personal information that helps
us give you better service and complete your transactions more efficiently.
It is very important that we safeguard the information you give us. We have developed policies to ensure your records remain confidential. These policies detail the strict standards we have in place.
Internet Banking Security
Internet Banking is voluntary. Information about your accounts cannot be accessed via the Internet by you or anyone else
unless you have requested that your accounts be activated for Internet Banking. Once your accounts have been activated for
Internet Banking, your information is protected by various security systems.
1. You must use security codes to log-on to the system (individual security).
2. Our system requires the use of the later versions of browser software which utilize the latest in encryption technology,
or coding language, to transmit and receive your data (browser security).
3. Security measures are also in place to prevent intrusion into the environment in which the Internet Banking server and customer
information database reside (provider security).
Herring Bank collects and uses your personal information to get to know you and to provide you with the products and services you request,
or to provide you with information about other products and services you may need. At this time Herring Bank does not solicit customer
information by applications submitted online. In the event that we do, or in case you send confidential information to us via e-mail,
Herring Bank will use the information judiciously as always.
Notice of Your Financial Privacy Rights
This is our privacy notice for our customers. All of our consumer customers who have a continuing relationship with us, such as
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Home mortgage
Nonpublic personal information means information about you that we collect in connection with providing a financial
product or service to you. Nonpublic personal information does not include information that is available from public sources,
such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled
by the same company that owns or controls us.
A nonaffiliated third party is a company that is not an affiliate of ours.
The Information We Collect
We collect nonpublic personal information about you from the following sources:
The Information We Disclose About You
- Information we receive from you on applications and other forms.
- Information about your transactions with us.
- Information about your transactions with our affiliates.
- Information about your transactions with nonaffiliated third parties.
- Information from a consumer reporting agency.
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.
Parties to Whom We Disclose Information
We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Disclosure to Service Providers & Joint Marketers
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 agreement as permitted by law.
Confidentiality of Nonpublic Personal Information
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. We maintain physical, electronic, and procedural safeguards that comply with federal standards
to guard your nonpublic personal information.
Nonpublic Personal Information & Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.
Herring Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight
by the Texas Department of Banking. Any consumer wishing to file a complaint against Herring Bank should contact
the Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
In Person or U.S. Mail to:
Texas Department of Banking;
2601 North Lamar Boulevard;
Suite 300; Austin, Texas 78705-4294;
Telephone: 1-877-276-5554 (toll free);
e-mail: email@example.com [Don't send confidential information.].