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Notice of Your Financial Privacy Rights
This notice
is being provided to you in order to explain our privacy policies and
practices. You have the right to know the privacy policies and practices of
the financial institution you deal with in respect to information sharing
with both affiliates and nonaffiliated third parties. At First Savings Bank,
protecting the privacy and confidentiality of your personal information is
important to us. In order to offer you the financial products and services
you seek, we collect, maintain, and use information about you on a routine
basis. In the event you terminate your customer relationship with us, or
become an inactive customer, we will continue to adhere to the policies and
practices described in this notice.
Definitions
We, our and us.
This will always mean First Savings Bank.
You and Your. This means our customers who have a continuing
relationship with us, such as deposit account; loan account; safe deposit
box; retail installment contract we hold and service; and self-directed
Individual Retirement Account where we act as custodian or trustee.
Nonpublic personal information. This 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.
An affiliate. This is any company 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.
Nonaffiliated third party. A company that is not an affiliate of
ours.
Publicly available
information. Information that is lawfully available to the general
public from official public records (such as real estate records or
securities filings), information from widely distributed media (such as
telephone books, television, radio or newspaper) or information that is
required to be disclosed to the general public by Federal, State or Local
law.
Information We
Collect
We collect, retain, and use
nonpublic personal information about you as allowed by law, from the
following sources:
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Information we receive
from you on applications or other forms;
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Information about your
transactions with us, our affiliates, or others; and
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Information we receive
from a consumer reporting agency.
Use of Information
We may disclose information
that we collect, as described above, with our affiliates and other
nonaffiliated third parties under limited circumstances to the extent that
it is permissible under law, in order to service your account, offer you
products or services we believe you may find valuable, report to credit
bureaus, manage risk, and other financial services and related activities.
We do not disclose any
nonpublic personal information about our customers or former customers to
anyone, except as permitted by law.
The Confidentiality,
Security and Integrity of Your Nonpublic Personal Information
We understand that the
protection of your nonpublic personal information is of the utmost
importance. Guarding your privacy has always been our obligation. First
Savings Bank maintains strict procedures and policies to safeguard your
privacy. We restrict employee access to customer information only to those
who have a business reason to know such information, and we educate our
employees about the importance of confidentiality and customer privacy. We
maintain physical, electronic, and procedural safeguards that comply with
federal standards to guard your nonpublic personal information.
Questions about your
Privacy
If you have questions about
the privacy of your information, please feel free to contact one of our
Financial Service Officers, located in a branch office near you. Your
information is as safe with us as it has always been and is of utmost
importance to us.
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