Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First Federal Savings & Loan Association of Hammond.

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

• Self-directed Individual Retirement Account

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 defined in this section.

An affiliate is a company that 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 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 other parties

• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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.

INFORMATION ABOUT FORMER CUSTOMERS 

We do not disclose information about former customers, except as permitted by law.

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First Federal Savings & Loan Association of Hammond does not knowingly or willingly solicit information from children under age 13

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Privacy and the Internet

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages or read product information, you do so without telling us who you are and without revealing any personal information.

However, 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 email, 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, email address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself and 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 organization.

We reserve the right to change our privacy policy. A revised policy statement will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 30 days prior to its effective date.

We hope you find our web site useful and informative and we are always willing to answer questions and receive suggestions. If you have either, please contact us.