Highland Federal Savings & Loan Privacy Policy, facts about how Highland Federal Savings & Loan handles your sensitive information"
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:
  • Social Security number and account balances
  • Transaction history and payment history
  • Credit history and credit scores
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.
Highland Federal Savings & Loan Privacy Policy Section 2:Why Highland Federal Savings & Loan Shares your personal information
Reasons we can share your personal information Does Highland Federal Savings & Loan 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 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 non-affiliates to market to you NO WE DON'T SHARE
Highland Federal Savings & Loan Privacy Policy Section 3: Contact information regarding any Questions.

Questions?

 Call 931-484-6178
Highland Federal Savings & Loan Privacy Policy Part 4: Definitions
Who is providing this notice? Highland Federal Savings & Loan
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.
How does Highland Federal Savings & Loan collect 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
  • Use your credit or debit 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
  • Afiliates from using your information to market to you
  • Sharing for non-affiliates 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 non financial companies.
  • Highland Federal Savings & Loan has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Highland Federal Savings & Loan does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between non affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies, investment companies and direct marketing companies.
Highland Federal Savings & Loan Privacy Policy Part 5 Children's Online Privacy Protection Act
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.