Privacy Policy

 

WHAT DOES FIRST FEDERAL BANK OF OHIO 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:

  • Social security number, name, and address
  • Types of accounts and account balances
  • Account activity, deposit history, and payment history
  • Credit history, credit scores, and income

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 First Federal Bank of Ohio chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does First Federal Bank of Ohio 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 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 NO NO
For our affiliates' everyday business purposes-- information about your transactions and experiences YES NO
For our affiliates' everyday business purposes-- information about your creditworthiness YES NO
For our affiliates to market to you YES YES
For our nonaffiliates to market to you NO We don't share

 

Questions?

Call (419) 468-1518 or go www.firstfederalbankofohio.com.

 

Who we are    
Who is providing this notice? First Federal Bank of Ohio

 

What we do    
How does First Federal Bank of Ohio
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.

We restrict access to information about you to those employees who need to know that information to provide products or services to you.

How does First Federal Bank of Ohio
protect my personal information? 

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • apply for and use your credit or debit/ATM card

We also collect your personal information from 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

  • sharing for affiliates' everyday business purposes--information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws 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.

  • First Federal Bank of Ohio may disclose information about you to financial service providers, such as securities broker-dealers & insurance agents.
Nonaffiliates 

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • First Federal Bank of Ohio does not share information
    with nonaffiliates other than as described above.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • First Federal Bank of Ohio does not participate in joint marketing.

 

 

Other Important Information
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

 

Mobile App Privacy Policy

 

Location Services 

  • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services.  If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

Links to other sites

  • The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

Your choices regarding your information

  • You have several choices regarding use of information on the Services.
  • (a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
  • (b) Access, Update, or Correct Your Information.  You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.  
  • (c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
  • (d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App. 
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