financial privacy statement
At Progressive-Home Federal Savings and Loan Association, protecting
your privacy is one of our most important goals. This is why we
have adopted a zero tolerance policy with regard to sharing your
nonpublic personal information to nonaffiliated third parties. You
may take comfort in knowing that, along with keeping your money safe and
secure, we will apply the same diligence with the information we obtain
to conduct your banking transactions. Please review this formal
financial privacy policy and fair and accurate credit transactions act
information below and thank you for continuing to trust us with your
business.
We do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as described below, or
as permitted by law.
We may collect nonpublic personal information about you from the
following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others; and
- Information we receive from a consumer reporting agency.
Securing your Information
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products and
services to you. We maintain physical, electronic, and procedural
safeguards that comply with Federal standards to guard your nonpublic
personal information.
Closing Account and Inactive Customer
If you decide to close your account(s) or become an inactive customer,
we will follow the privacy policies and practices described in this
Privacy Notice until your nonpublic personal information has been purged
from our files.
Contracting with Third Parties
We may contract with other entities to perform specific support services
such as, but not limited to, data processing, that may require us to
provide them access to our customer information. When doing so, we
require such third party service providers to contractually adhere to
our security and privacy guidelines.
Privacy Disclosures Do Not Constitute a Contract
These Privacy Disclosures do not create a contract. From time to
time, we may amend or change the terms of these disclosures. In
that event, we will provide you with a revised privacy notice.
FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 (FACT ACT) DISCLOSURE
We may report information about your account(s) to credit bureaus.
Late payments, missed payments, or other defaults on your account may be
reflected in your credit report.
Privacy Policy for our Website
We recognize the importance of protecting the privacy of
personally-identifying information that may be submitted to us when you
visit our website.
The information we receive depends on what you do when you visit our
site. This is how we handle the information we learn about you
from your visit to our website.
If you visit our site to read or download information on our web pages
such as loan and/or deposit information:
We collect and store only the following information about your visits to
our website: name of the domain from which you access the Internet (for
example, aol.com, if you are connecting from an America Online account,
or a similar domain corresponding to your Internet Service Provider
"ISP");date and time you access our website; pages you may have visited
on our site; internet address of the website from where you came to
visit our website.
We use the information we collect to measure the number of visitors to
the different pages and sections of our site, and to help us make our
site more useful to visitors.
If you visit our website to use interactive banking tools, such as
financial calculators and self-tests:
You may be asked for personal information in order to complete the
requested analysis or evaluation. This information is NOT
retained.
If you identify yourself by sending an email or filing forms such as
applications, check reorder forms, contact forms and guest registers:
You may be asked for personally-identifying information in order to
process your email, form or application. This information may be
retained by us and our third party service providers for processing and
to facilitate decisions. Information you submit is treated no
differently than any information you might provide in a written format
such as a brochure, application, reorder slip to order checks or a
letter.
We may have links on our website to other vendors and third parties.
These links are provided to give you opportunities to take advantage of
services or products that vendor may offer. We cannot guarantee
how these third parties use or collect personally identifiable
information about you. We urge you to review the privacy policies
of each of the linked websites you visit. Although, PHF requires
the confidentiality of vendors and third parties with which we
associate, we cannot control every aspect of their business.