In compliance with the Children's Online Privacy Protection Act (COPPA), effective April 21, 2000, Heartland Community Bank does not intentionally market our online products to children under the age of 13, or knowingly collect personal information from children under the age of 13. We do not solicit data from children and we do not share such information with third parties. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with the online industry and the parents. You must be 18 years old to enter into a valid contract. For more information about COPPA, visit the Federal Trade Commission at www.ftc.gov.