Internet Privacy Policy

Highland Federal respects your privacy. Through our Website, we strive to provide valuable information to you about how we may serve you. Whether you are a valued existing customer or someone shopping for new bank services, we hope our Web site answers your questions about our products, services and hours. Our Web site also provides a link to online banking and bill pay services to make banking even more convenient for you.

We value our relationship with our customers. Our goal is to serve you, as effectively and conveniently as possible, and to make sure you feel confident that information about your banking relationship with us is treated with the utmost care. Our privacy policy for handling personally identifiable information about our customers is outlined below:

It shall be the policy of Highland Federal to collect, retain and use the information about customers only where such information is believed to be useful and allowed by law to administer the business of Highland Federal, in providing products, services and other financial opportunites to our customers.

We, our, and us when used in this notice, mean Highland Federal Savings and Loan Association.

This is our privacy notice for our customers. When we use the words "you" and "your", we mean the following types of customers:

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 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 that 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".

THE INFORMATION THAT WE COLLECT

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
Information we receive through our Customer Identification Program (CIP)

We do not disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

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.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about our current customers.

Highland Federal Savings and Loan Association
106 South Main Street,
Crossville, TN 38555-4694
(931) 484-6178

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.