| FACTS | WHAT DOES Highland Federal Savings & Loan DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Highland Federal Savings & Loan chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Highland Federal share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus | YES | NO |
| For our marketing purposes – to offer our products and services to you | YES | NO |
| For joint marketing with other financial companies | YES | NO |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences |
NO | WE DON’T SHARE |
| For our affiliates’ everyday business purposes – information about your creditworthiness |
NO | WE DON’T SHARE |
| For our affiliates to market to you | NO | WE DON’T SHARE |
| For nonaffiliates to market to you | NO | WE DON’T SHARE |
| Questions? | Call 931-484-6178 | |
| What we do | |
|---|---|
| How does Highland Federal Savings & Loan protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Upgrades and enhancements to authentication procedures are made as necessary to protect your data. |
| How does Highland Federal Savings & Loan collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information form others, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Children’s Online Privacy Protection Act |
|---|
| We respect the privacy of our clients’ children and Highland Federal complies with the practices established under the Children’s Online Privacy Protection Act. We will not knowingly market to or attempt to obtain information or data from children under the age of thirteen. |
