Privacy Statement
Children's Online Privacy Protection ActIntroduction
The Children's Online Privacy Protection Act (COPPA) and the Federal Trade Commission's implementing regulations at 16 C.F.R. Part 312 establish a number of requirements applicable to operators of covered web sites and online services directed at children under thirteen.
Policy
First Federal Savings Bank will not operate a web site targeted to children under thirteen and makes that disclosure in it's Internet Privacy Policy.
Internet Privacy Policy
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information.
While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:
· The name of your Internet Service Provider,
· The website that referred you to us (if any),
· The date and time the pages were accessed
· The page or pages you requested.
There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us e-mail, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. You never transfer personally identifying information that you do not enter yourself. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.
When you submit personally identifying information via one of our feedback or application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our website. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us e-mail, but only when you use your web browser with one of our site's forms.
Our website is not targeted or marketed to children.
First Federal Savings Bank
Notice of Your Financial Privacy Rights
We, our, and us, mean First Federal Savings Bank
At First Federal Savings Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First Federal, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy protection policy outlined below.
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications or other forms,
· Information about your transactions with us, our affiliates, or others,
· Information we receive from a consumer-reporting agency
SERVICE PROVIDERS AND JOINT MARKETERS
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
· Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income
· Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage
· Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history
The entity with whom we share nonpublic personal information is a financial institution with whom we have a joint marketing agreement.
CONFIDENTIALITY AND SECURITY
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.
ADDITIONAL INFORMATION
We continually strive to maintain complete and accurate information about you and your accounts. We also pledge to respond to requests to correct inaccurate information in a timely manner.
If you ever believe that our information is inaccurate or incomplete, please notify us immediately. We will review your concerns and correct any inaccuracies. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Please submit your request for correction in writing and include your full name, current address, social security number, account number, telephone number, and the information you believe is inaccurate. Please inform us of the reason you believe the information is incorrect and we will research and correct information appropriately.
Send your notice to:
First Federal Savings Bank
Attention: Compliance Officer
320 East Main Street
Lincolnton, NC 28092
COMMITMENT TO PRIVACY
At First Federal, we value our customer relationships. We want you to understand how we use the information you provided and our commitment to ensuring your personal privacy. If you have any questions about how First Federal protects your confidential information, please call us and speak with the Compliance Officer at (704) 735-0416.
