Privacy Policy

When you enter into a business relationship with First Federal Financial, you want to be sure that your personal information remains private and confidential. All our services are governed by our commitment to respect your privacy, and we ensure at every step that we keep at a minimum the personal information we must collect from you and disclose to specific others on your behalf.

We have adopted information handling standards that help to maintain and preserve the confidentiality of our customers' nonpublic personal information.

The following Statements affirm our continued efforts to safeguard your confidential information.

Information We Collect

We gather nonpublic personal information about you, our customers, as may be necessary to provide you with the services you require.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms, over the telephone, or in face-to-face meetings, and via electronic mail or the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history, and other financial and personal information.
Information about your transactions with us or with others. Examples of information relating to your transactions include payment histories, account balances, and account activity.
Information we receive from consumer reporting agencies. Examples of information from consumer reporting agencies include your credit score, credit reports, and other information relating to your creditworthiness.
From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income, and deposits.

Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or requiredby law, and except as described in the next paragraph.

We may disclose all of the information we collect, as described above, to third-party service providers and to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements.

Protecting Customer Information

First Federal Financial maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard 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 devote considerable resources to the maintenance of secure Internet communications to help ensure that your transactions with us are conducted in a safe environment.

Effective Date

This Privacy Statement is effective as of January 1, 2003, and applies to products or services provided by First Federal Financial that are used primarily for personal, family and household purposes. We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.