Rev. April 2019

FACTS WHAT DOES HOME FEDERAL SAVINGS AND LOAN ASSOCIATION OF NILES 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 income
  • Account balances and payment history
  • Credit history and credit scores

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 Home Federal Savings and Loan Association
of Niles chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Home Federal Savings and Loan Association of Niles Share? Can you limit this sharing?
For our everyday business purposes — 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 No We don’t share
For joint marketing with other financial companies No We don’t share
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 nonaffiliates to market to you No We don’t share
Questions? Call 330-652-2539 or go to www.homefedniles.com
Who we are
Who is providing this notice? Home Federal Savings and Loan Association of Niles
What we do
How does Home Federal Savings and Loan Association of Niles 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.
How does Home Federal Savings and Loan Association of Niles 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
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus or other companies.
How does Home Federal Savings and Loan Association of Niles collect my personal information? 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 nonaffiliates 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.

  • Our affiliate is FIrst Niles Financial, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Home Federal Savings and Loan Association of Niles 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.

  • Home Federal Savings and Loan Association of Niles doesn’t jointly market.
Other important informatio
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliate is FIrst Niles Financial, Inc.