Privacy Policy
Online Privacy Policy


Privacy Policy Statement

Privacy Policy Statement

This policy is effective as of May 1, 2008.

At Security Savings Bank, we recognize that privacy and security of personal financial information is a priority. We have taken the utmost care in establishing and implementing policies and practices to protect this information. This privacy policy describes how Security Savings Bank collects, uses and shares your personal information. It also describes how we maintain the confidentiality and accuracy of the information, how you can notify us of discrepancies in the information and how you can limit our sharing of certain information. In this policy, “we”, “our” and “us” refer to Security Savings Bank. The words “you” and “your” refer to our customers with the following types of relationships: deposit accounts, loan accounts, retail installment contracts we hold and service and stored value card holders

Nonpublic personal information means information about you that we collect about you in connection with providing a financial product or service. Nonpublic personal information does not include information that is available from public sources such as telephone directories or government records. 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. A nonaffiliated third party is a company that is not an affiliate of ours.

The Security Savings Group

The Security Savings group is comprised of:

• Security Savings Bank
• SSB Payment Systems

Information We Collect

We collect and maintain nonpublic personal information about you from the following sources: applications or other forms we receive from you in connection with requesting or obtaining financial products or services (for example, your name, address, assets, social security number, etc.); from third parties such as consumer reporting agencies (for example, your credit history); and your transaction and experience history with us or others (for example, your payment or overdraft history).

We also maintain other information about you such as passwords, account numbers, driver license numbers, or personal identification numbers which is utilized in maintaining your relationship with us.

Information We May Share Within the Security Savings Group

We may share all the information we collect in connection with your relationship with us, as described above, within the Security Savings Group. You can choose to limit the sharing of certain information within the Security Savings Group by opting out.

Information We May Share Outside the Security Savings Group

Companies We Hire to Provide Services

We sometimes hire companies to provide services such as printing, mailing, or data processing in connection with our marketing efforts. We may need to share information such as identification or contact information (for example, your name, address and telephone number) and transaction or experience information (such as your payment or overdraft history) with these service providers so they can perform the requested services. These companies are prohibited from using your information for any purpose other than performing the job we hire them to perform. They cannot keep the information once the job is over and they must have processes in place to protect the confidentiality of the information. You may not opt out of information sharing with companies we hire to provide services to us.

Disclosures Permitted or Required By Law

We may provide information to others as permitted or required by law. For example, we may share information to process your transactions, service your accounts, verify the existence and condition of your account for a third party such as a consumer reporting agency or merchant, report account history to consumer reporting agencies or prevent fraud. Our policy regarding disclosure of information is the same for both current and former customers.

Protecting Your Information

We maintain systems to protect the security of your information and to protect your information from unauthorized access. Access to information is limited to authorized employees and agents. We maintain physical, electronic and procedural safeguards that are designed to comply with federal standards to guard information.

Accuracy of Information

We believe that maintaining accurate information is just as important as maintaining the confidentiality of information. We have systems and processes designed to ensure accuracy of our information and to correct any information we learn to be inaccurate. If you ever find your information is not accurate or complete, contact us immediately by calling 702-260-4141 from Clark County, Nevada or 888-703-5414 nationwide or, you may write to us at 3019 St. Rose Parkway, Suite 100, Henderson, NV 89052. If the information is in our control, we will take the appropriate action to verify and correct it as appropriate.

Updates to Our Privacy Policy

The examples used herein are only for illustration and may not be all-inclusive. We may change or add to our policies and procedures, and we will provide a revised privacy policy to you as required by law. You will have a chance to opt out under the revised policy. You may review our current policy at any time by visiting our web site (www.BankPlace.com) or calling us to request a copy.

OPTING OUT

You may opt out to limit the sharing of information we share. If you have a joint account, any account owner can opt out. The opt out choice will apply to all account holders. New account holders will receive an opt out form at the time of account opening. Existing account holders will receive a privacy notice and an opt out form on an annual basis.

If you opt out, Security Savings Bank will not share the following information within the Security Savings group: 1) information from you application used to determine account eligibility such as income and bank references and 2) information from third parties such as your credit history. If you opt out, Security Savings Bank will also not share information with companies outside the Security Savings group, except: 1) with companies we hire to provide services to us and 2) as permitted or required by law.

Your selection will remain in effect until we receive written instructions from you indicating to change your opt out selection. You may contact us as (702)260-4141 for information on how you may opt out.

ONLINE Privacy Policy Statement

This policy is effective as of May 1, 2008.

Security Savings Bank's commitment to protect your information and your privacy extends to your online banking. While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with Security Savings Bank.

If you do not bank online with Security Savings Bank, we do not collect, capture, or retain personally identifiable information from you. When you initiate an online application or register for an online service, our website will request information, such as your email address or your account number. This information allows you to perform certain tasks (for example, correspond with us or review your accounts) and it allows us to provide the information you requested. In these cases, we collect only the information necessary to interact with you.

The information you provide to us within our home-banking product is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the internet. This technology scrambles your account information as it moves between your PC's browser and Security Savings Bank's computer systems. When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than Security Savings Bank to read it. This secure session helps protect the safety and confidentiality of your information when you bank with us online.

Links to non-Security Savings Bank sites

We are not responsible for the information collection practices of the non-Security Savings Bank links you click to from our web pages. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit — before you provide them with any personally identifiable information.

Protecting children's privacy online

From our websites, we do not knowingly collect or use personal information from children under 13 without obtaining verifiable consent from their parents. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link.

For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov

Policy changes