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WHAT DOES FIRST SHORE FEDERAL 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 
• Account balances
• Payment history

• Transaction history
• Credit history
• Overdraft history
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 First Shore Federal chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does First Shore Federal 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 toll-free 1-800-634-6309 or go to www.firstshorefederal.com

 
Who We Are  
Who is providing the notice?

First Shore Federal means First Shore Federal Savings and Loan Association.

What We Do

 

How does First Shore Federal 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. 
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does First Shore Federal collect my personal information?

We collect your personal information, for example, when you

• Open an account  
• Pay your bills
• Apply for a loan

• Use your credit or debit card 
• Provide your mortgage information 

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 nonaffiliates to market to you 
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

 

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. 
First Shore Federal has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. 
First Shore Federal 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. 
First Shore Federal doesn't jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

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First Shore Federal | 106 S. Division St., Salisbury MD 21801 | 410-546-1101
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