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Privacy Policy

FACTS

WHAT DOES CARTHAGE FEDERAL SAVINGS AND LOAN ASSOCIATION 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 any information received from you on applications or other forms;
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency.

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 Carthage Federal Savings and Loan Association chooses to share; and whether you can limit this sharing

 

Reasons we can share your personal information

Does Carthage Federal Savings and Loan Association share?

Can you limit this sharing?

For our everyday business purpose

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

 

 

Questions?

 

Call (315) 493-3480 or go to www.carthagesavings.com

What we do

How does Carthage Federal Loan Association 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. In addition, employee access to your personal information is limited to those with a business reason to know such information.

How does Carthage Federal Loan Association 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; and
  • Use your 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
  • affiliates 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 nonfinancial companies.

  • Carthage Federal Savings and Loan Association has no affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Carthage Federal Savings and Loan Association does not share with nonaffiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Credit card applications, available at Carthage Federal Savings and Loan Association, are underwritten by a nonaffiliated financial company under a formal joint marketing agreement.

Other important information
At Carthage Federal Savings and Loan Association, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Carthage Federal Savings and Loan Association protects your confidential information, please contact us at 315-493-3480. Thank you.