This policy is effective 23/05/2022 and may be amended from time to time.

The Heritage Credit Group family of companies is committed to treating and using personal financial information about you responsibly. Heritage Credit Group only collects data that is necessary for business purposes. The Heritage Credit Group Privacy Policy explains what personal information we collect, why we collect it, how we protect it, and how and why in certain cases we may share it among Heritage Credit Group companies or with select other parties. We also tell you how to exercise your personal information sharing and use choices.

Privacy Policy for Heritage Credits Groups Inc

At Heritage Credits Group, accessible from www.avagardtrade.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Heritage Credits Group and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Heritage Credits Group. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

Provide, operate, and maintain our website
Improve, personalize, and expand our website
Understand and analyze how you use our website
Develop new products, services, features, and functionality
Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
Send you emails
Find and prevent fraud

Log Files

Heritage Credits Group follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Cookies and Web Beacons

Like any other website, Heritage Credits Group uses "cookies". These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Heritage Credits Group.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Heritage Credits Group, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Heritage Credits Group has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Heritage Credits Group's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Heritage Credits Group does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

Our Privacy Policy was created with the help of the Privacy Policy Generator.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

What Heritage Credit Group Does With Your Personal Information

Heritage Credit Group will post online any changes to the Heritage Credit Group Privacy Policy and the Heritage Credit Group Website Customer Information Privacy Policy on or before the effective date of such changes. You will be able to determine the date of the last change by noting the revision (Rev.) date of the policy. If you have already notified us of your information sharing preferences, you do not need to notify us again.

To limit our sharing, you can:

Our menu will prompt you through your choice(s).
Online Banking Customers - simply sign-on at avagardtrade.com then go to Customer Service - Privacy Preferences to make your choice(s).

If you are not currently a Heritage Credit Group Online Banking customer, you may click here to "Get Started" and enroll

Heritage Credit Group Online and Mobile Privacy Policy - Commitment to You

Heritage Credit Group is committed to respecting and protecting the privacy of our online customers and site visitors. We protect your information online with the same care we utilize for all Heritage Credit Group transactions. This online privacy policy explains what information about you we collect, and how we use and protect it in mobile and internet commerce. Our online and mobile privacy practices strictly abide by the terms of our privacy notice, What Does Heritage Credit Group Do With Your Personal Information provided above. This Policy applies to customer relationships established in the United States. Some Heritage Credit Group affiliates are licensed to do business in foreign jurisdictions. The web sites of those affiliates have separate privacy policies which apply to their customers based upon the laws of the jurisdiction in which the affiliates are established.

Personal Information

Personal information refers to any information about you that is personally identifiable to you. Your telephone number, name, address, and transaction history are examples of information that pertain to you personally.

Data

Data in the context of our online and mobile privacy policy generally refers to other information that we collect through your internet or mobile activities or which third parties may collect on our behalf. Such data may or may not be personally identifiable to you. Geolocation data collected from your mobile device when you ask for the location of the nearest ATM is personally identifiable when obtained through Mobile Banking.

Information Collection

We Collect Personal Information About You When:

You Provide Personal Information to Us
Heritage Credit Group collects personal information online that you provide to us, such as when you log in, on applications you complete, and when you use our products and services. We may also monitor, record and maintain records of your online and offline communications with us, including when you contact us through our website or mobile app or otherwise communicate with us, such as by email, phone, chat and postal mail.

We Obtain Personal Information from Others
We obtain personal information from third parties such as credit bureaus and others to tailor your online experience.
We Gather Information Online
Heritage Credit Group uses tools (some of which may be hosted or provided by our third-party vendors), such as cookies, click stream auditing and other methods, to gather information for internal uses, such as Web analytics and to personalize our content and advertising. We may also use these tools to secure and operate our website and for fraud prevention and verification purposes. For example, we and our third-party vendors may also use tools that enable us to record, review, and analyze your communications with us by email, phone, or chat, or through our website or mobile app, as well as your online and account-related activity, such as online banking transactions and other actions taken within or through your account. We do this to maintain records of account-related activity and transactions, detect, prevent and respond to actual or suspected security incidents, errors, fraud or misuse, and for other quality, training, verification, security and support purposes.

Cookies
Cookies are small pieces of information that a Web site stores on a visitor's Web browser to remind the site about the visitor the next time they visit the site. Heritage Credit Group does not store confidential or sensitive personal information in cookies. Heritage Credit Group uses cookies to enhance our customers' online banking session by making navigation easier and providing important security features. For certain applications, such as Online Banking, cookies are a requirement because they help protect the privacy of a customer's transactions by, for example, automatically terminating the online session if the customer forgets to log out.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a Web site other than the one that set the cookie. Some Web sites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. You will need to manage your cookie settings for each device and browser you use. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preference.

Click Stream Auditing
Click Stream Auditing includes information such as a web surfer's IP address, web pages which have been viewed or acted upon by a web surfer, date and time, domain type, and when a web surfer has responded to an advertisement. We may occasionally combine this information with individual information on an aggregate level to determine the effectiveness of our advertising.

Action Tags and Other Technologies
Action Tags are commonly referred to as Web beacons or GIF tags. This type of technology is inserted in various places within our Web site to collect anonymous information about your visits to the Heritage Credit Group site and your interaction with our ads and content. Heritage Credit Group may use certain technologies to collect additional information related to the status and condition of your mobile devices. This information may be used to support the security of your transaction with Heritage Credit Group, determine industry trends, and for other research purposes.

Heritage Credit Group may use information on file with your wireless operator to verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Heritage Credit Group Mobile Banking Service (“Service”). You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber details, if available, to our service provider for the duration of the business relationship, solely for identity verification and fraud avoidance. See other sections of the Heritage Credit Group Privacy Policy and this Online and Mobile Privacy Policy for information about how we treat your data.

Information Use

Personal information that we collect about you is used to provide you with optimal online experiences with us. We use it to help determine your financial interests and needs in order to recommend relevant products and services. We use personal information about you to qualify you for products and services that you request, to process your transactions, authenticate your identity, prevent fraud, and to keep your information and financial transactions secure.

Information Sharing

Heritage Credit Group does not sell personal information about its customers. Heritage Credit Group shares your personal information within its family of Heritage Credit Group companies (affiliates) and with select third parties in accordance with the terms described in our privacy notice. The notice also provides a toll free number for you to limit certain sharing. Additional information is provided below under Advertising and Tracking and under Your Options. We may share personal information when required by law or a subpoena or court order. We may also share personal information when we suspect fraud or for risk management purposes.

Children

Heritage Credit Group websites and mobile applications are not directed to children and do not knowingly collect information from children.

Access

Heritage Credit Group does not maintain a process which allows visitors to review and request changes to any of his or her personally identifiable information, including information that is collected through the use of cookies or other tracking devices, on the Web site or our online service. If you believe that Heritage Credit Group customer records contain any incorrect information about you, please contact us using the customer service contact information provided on your bank or investment statements, or other communications from us pertaining to the products and services you use. You may also contact your local branch, relationship manager, or broker.

Retention and Destruction

Heritage Credit Group retains personally identifiable information as long as necessary to provide the products and services for which the information was collected, to process and maintain a record of transactions, and as long as necessary for legal process or to satisfy government retention requirements. When the retention period expires, Heritage Credit Group destroys data that was maintained in any form in a manner that renders it completely unusable and incapable of restoration.

Tracking and Online Advertising

We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of cookies and Action Tags (commonly referred to as Web beacons or GIF tags), which are inserted in various places within our Web site, such third party companies may collect anonymous information about your visits to the Heritage Credit Group site and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our Web site. This information is used to understand your browsing behavior and interests so that we can identify your financial needs and provide service and advertising that is tailored to you.

Behavioral Targeting

The third party companies we use for online tracking have a network of advertising companies and may share anonymous information about your visits to pnc.com and other Web sites with us, and may use it in order to provide ads about goods and services of interest to you and which would be relevant to you, based on your browsing on Heritage Credit Group.com. From time to time, we may also share anonymous information with such third party companies in an aggregate form, for purposes of analysis and improvement of our Web site. If you would like more information about the use of third-party cookies and tags, or the process of opting out of such cookies or tags, please go to

Geolocation Data

Heritage Credit Group does not access location data stored on your mobile device without your permission. Some features will not fully function unless you have enabled access to your location data.

Heritage Credit Group maintains information on social media sites like Facebook, Twitter, and YouTube. When you post information on Heritage Credit Group social media pages it will be subject to the privacy and security conditions of the social media site. When you log into Heritage Credit Group owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a blog or provided a rating.

Heritage Credit Group mobile applications are not socially enabled and do not allow you to connect to and share information with a community of other users, such as Facebook or Twitter, or the general public, such as YouTube.

Privacy Policy