Notice Of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Jefferson Federal. 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:

Deposit account Loan account Safe deposit box

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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

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 as defined in this section.

An affiliate is a 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.

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."

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

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

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.

Your Information and Other Parties

In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• Information you give us on an application or other forms, such as:
  • Name
  • Address

You may opt out of the disclosure of the information listed above.

Types of Other Parties

We may disclose information about you to the following types of other parties:

• Financial service providers, such as insurance agents
  
• Non-financial companies, such as direct marketers

We may also disclose information about you to other parties to provide you with information about additional products and services.

Information About Former Customers

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

Reasons For Disclosure

We may disclose information about you in the future to our affiliates:

• to provide you with information about additional products and services
• to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.

Your Right to Block the Disclosure of Your Information

Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates in the future. You will not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you). unless you tell us to not disclose this other information.

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out".

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joing parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

TOP OF PAGE