Privacy Statement
To provide the best experiences, First Federal Savings of Lorain (FFSL) uses technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent may adversely affect certain features and functions.
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Online Privacy Practices
Information FFSL collects
When you visit this website, online interface, mobile site or mobile application that links to this Privacy Statement, FFSL may collect personal information and/or aggregate information. https://www.fflorain.bank (hereinafter: “the website”) uses cookies and other related technologies (for convenience all technologies are referred to as “cookies”). Cookies are also placed by third parties FFSL has engaged. In the document below FFSL informs you about the use of cookies on our website. “Personal Information” refers to any data that can be used to identify a specific individual. “Aggregate Information” refers to data that does not enable us to identify a specific individual, such as demographic details, information about the device used to access our website(s), browser type, or the pages visited on our website(s).
Personal Information may include details such as your name, mailing address, email address, telephone number, account number, transaction history, Social Security number, driver’s license number, or other government-issued identification numbers that you voluntarily provide through online forms, surveys, applications for new banking products, enrollment in digital banking services, or other interactions when visiting our Website(s).
FFSL may also obtain information about you from identity verification providers and consumer reporting agencies, including credit bureaus, to deliver certain services. Additionally, FFSL may collect information related to your online activity and transactions, including details of transactions conducted through our website(s) or affiliated mobile applications.
Communication Methods
FFSL may communicate with customers through the following channels:
Phone Calls
FFSL representatives may contact you by phone regarding your accounts, transactions, or services. For your protection:
- FFSL will never ask for your full debit card number, PIN, or online banking password.
- If you receive a suspicious call claiming to be from the bank, please hang up and contact us directly using the phone number on our website or your bank statement.
Emails
FFSL may send service notifications, alerts, or informational messages by email. Email communications will never request sensitive login credentials.
FFSL will send email communications to provide the most relevant information to customers regarding FFSL’s products and services. If you would not like to receive promotional emails from us, you may click on the opt-out link at the bottom of the email to be omitted from future marketing email distributions. This opt out does not apply to transactional communications from FFSL in connection with providing services on an account.
To protect your privacy, email messages from FFSL will never ask you to provide personal information to us such as account number, pin number, social security number or driver license number. If you receive an email appearing to be from FFSL requesting personal information, please do not respond and contact us immediately at 440-282-6188.
Text Messages (SMS)
With your consent, FFSL may send text messages related to account alerts, fraud monitoring, appointment reminders, or general service updates.
- Text messaging is intended for communication purposes only.
- Customers should not send account numbers, Social Security numbers, passwords, or other confidential information via text message.
Secure Messaging
Sensitive account-related communications may be delivered through our secure online banking or mobile banking messaging systems.
Mobile App
FFSL provide access to certain products and services through mobile applications to make managing your finances more convenient while on the go. When you use and interact with our mobile app, FFSL may collect personal information from you in the following ways:
- Personal Information You Provide to Us.
- FFSL may collect personal information from you, such as your first and last name, address,
e-mail, telephone number, location information, and social security number when you create an account. - FFSL will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, FFSL will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
- FFSL also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
- FFSL may collect personal information from you, such as your first and last name, address,
- Personal information Collected from Third Parties. FFSL may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services.
- Personal information collected Via Technology. FFSL and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
| Data/Technology | Description |
| Device data | such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area. |
| Online activity data | such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access. |
| Cookies | which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. |
| Local storage technologies | like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications. |
| Web beacons | also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked. Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, FFSL will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device. |
Location data may be used to:
- Help detect fraudulent or suspicious transactions
- Improve security monitoring
- Enable certain location-based banking services, if available
Location services can typically be controlled through your mobile device settings.
FFSL does not sell personal information collected by our mobile application.
Site Link Disclaimer
Our website may contain links to third-party websites or resources. First Federal Savings of Lorain is not responsible for the availability of these external sites or resources and does not endorse them. FFSL are not liable, directly or indirectly, for any damage or loss that may result from or arise in connection with your use of, or reliance on, any content, goods, or services available through such third-party websites or resources.
Children’s Online Privacy Protection Act (COPPA)
FFSL respect the privacy of children and comply with practices under the Children’s Online Privacy Protection Act, which protects children under the age of 13 from the online collection of personal information. FFSL do not knowingly solicit, collect, or retain data from children, and FFSL do not knowingly market to children.
Protecting Your Information
For your safety:
- The bank will never ask for your PIN, password, or authentication codes by phone, email, or text message.
- Do not share sensitive information through unsecured communication channels.
- Report suspicious communications immediately.
Contact Details
For questions and/or comments please contact us by using the following contact details:
First Federal Savings of Lorain
3721 Oberlin Avenue Lorain, Ohio 44053
United States
Website: https://www.fflorain.bank
Email: Customer.Support@FFLorain.bank
Phone number: 440-282-6188