We, our, and us, when used in this notice, mean First Federal Bank.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
- Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Credit card account
- Safe deposit box
- Retail installment contract we hold and service
- All IRA accounts for which we act as custodian
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms.
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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
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. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party".
THE INFORMATION THAT WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with other parties
- Information we receive through our Customer Identification Program
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR 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 to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose nonpublic personal information about you to our affiliates. Here are the kinds of nonpublic personal information and the source of that information:
Transaction and experience information from our account records:
- Information about your transactions and experience with us, such as:
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Parties to the transaction
- Credit card usage
- Payment history
- Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose nonpublic personal information about you to the following types of affiliates:
- Financial service providers, such as
- First Insurance & Investments
Reasons For Disclosure
We may disclose information about you to our affiliates to provide you with information about additional products and services.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
If you do not want us to share such information with our affiliates (other than sharing permitted by law), please call 800-472-6292 and ask for the marketing department. Please consider that if you opt out of information sharing, your name may be excluded from mailings and other communications that may be of interest to you.
YOUR INFORMATION AND JOINT MARKERTERS - FUTURE CHANGES
In the future, we may disclose information about you to joint marketers, even though we are not doing so now. Here are the kinds of information we may disclose to these markters:
- Information you give us on an application or other forms such as:
- Name
- Address
- Date of birth
- Information about your transactions with us, such as:
- Account balances
- Maturity date of loan
You may not opt out of the disclousure of the information listed above.
Types of Joint Marketers
We may dislcose information about you in the future to the following types of joint marketers:
- Financial servive providers, such as:
- Selected insurance agencies
- Our contracted survey companies
- Selected mailing companies for the purpose of First Federal Bank mailings
Reasons for Disclosing
In the future we may disclose information about you to joint marketers to provide you with information about additional products and services.
