Disclosures

AZ, CA, CO, CT, DC, GA, IA, IL, IN, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NY, OR, PA, SC, TN, VA, WA, WI
Rates are subject to change.

For home equity lines of credit the margin is prime rate plus .24%. Homeowners insurance required. Flood insurance required, if applicable. Borrowers are responsible for doc stamps, intangible tax, transfer tax, recording tax and mortgage tax, if applicable. Taxes are funded through the line at the time of closing. Flood insurance required, if applicable. Maximum APR 18%. Minimum loan amount $10,000. Maximum loan amount $300,000. 30-year term. An Equity Passport HELOC (Home Equity Line of Credit) is available as a first or second lien on owner-occupied, primary residences and can be the only HELOC on your property. Annual fee is $95. Minimum monthly payment is $100. Additional terms and conditions apply. Call one of our associates for additional information at 1-833-733-4727.

Third Federal Savings respects and values your privacy. Our Online Privacy Disclosure (“Privacy Disclosure”) describes and applies to the information we collect from you when you visit the Third Federal website or affiliated websites. Our Privacy Disclosure generally describes how we collect, share, use, and protect your information. Other Third Federal policies, such as Third Federal Privacy Notice, may also apply and help further explain how we may use your information. If you are a resident of California, please see our California Privacy Policy for California-specific rights and information.

The terms “we,” “our,” and “us” in this Online Privacy Disclosure refer to Third Federal Savings & Loan Association of Cleveland and/or its affiliates, divisions, or subsidiaries. By visiting our site you are accepting the practices described in this Policy and consent to our use of cookies and similar technologies.

Information We Collect

Third Federal may collect information about you when you browse our website, use our online services, or when entering data into an application for a new product or service. We may also collect information about your computer or device, internet browser, pages you visited and information you provide voluntarily. Some of the information you submit may be personally identifiable, such as your name, address, and social security number. We may use this information to better service your requests and/or inquiries, monitor site usage, improve your experience when visiting our site, ensure technological compatibility with your computer or other electronic or mobile device, protect against fraud and identity theft, or protect against and investigate suspected online criminal activity. 

Some features included in digital banking may request access to data located on the device used to access digital banking.  This may include biometric, camera, contacts, and location data.  Users will be prompted to allow access to this data, and if access is not allowed, the feature requiring that data will not be fully functional.

It is possible to browse our site without submitting any personally identifiable information; however, once you sign in or begin completing an application, you are no longer anonymous because we will need to identify you in order to provide those services.

Location Based Information

Mobile Banking collects location data to enable push notifications even when the app is closed or not is use. It also is used to support promotional offers from Third Federal. If you use any location-based features of Mobile Banking, you agree that your geographic location and other personal information may be accessed and disclosed through Mobile Banking. If you wish to revoke access to such information, you must cease using location-based features of Mobile Banking via your device's settings.

Information We Collect Automatically

Each time you visit our site, non-personally identifying information is automatically collected about your web activity. This information may include, but is not limited to some or all of the following items: Internet Protocol (IP) address and/or domain; geo-location of your computer; type and version of internet browser software and operating system you use; date, time, and duration of your site visit; specific pages, buttons, images, videos, links, or forms that you access while visiting our site; type of device (e.g. iPad®, iPhone®, Android™); mobile carrier and/or internet service provider; and demographic information concerning the country of origin of your computer and the language(s) used by it.

Some browsers incorporate a “do not track” feature that signals to websites you visit that you do not want to have your online activity tracked. Tracking is not the same as using or collecting information in connection with a single website. For those purposes tracking refers to collecting personally identifiable information from consumers who use or visit a website or online service as they move across different websites over time.

We currently do not process or comply with any web browser’s “do not track” signal or similar mechanism that indicates a request to disable online tracking of individual users who visit our website or use our services.

Information Collected Through Cookies

The use of cookies is a standard practice among websites to collect or track information about your activities while using the website. Cookies are small text files that are placed on your computer to distinguish you from other visitors to our site. A cookie provides us with information such as time of your last site visit and the pages you viewed. We and/or our third party advertising service providers may place cookies or similar files on your hard drive while visiting our site. Browsers are typically set to accept cookies.

Third Federal may also use similar technology (e.g. web beacons, pixels) to track visitor’s activities. This allows us to verify your identity and honor your personal settings (e.g., font size, location), to enhance your online experience and help us improve our services. We may use these technologies to track your online application or the effectiveness of our advertisements. Cookies used for tracking advertising do not collect personally identifiable information.

You can choose to have your browser warn you every time a cookie is being sent to you or you can choose not to accept cookies. You can also delete cookies from your computer at any time. If you refuse cookies, the functionality of our site may be impacted or become non-functional. Since every browser and computer is different, you will need to follow your browser’s instructions for disabling or deleting cookies from your computer.

Additional Information on Online Advertising

We may partner with third parties to deliver and monitor advertising on thirdfederal.com and other affiliated websites. Our partners may monitor advertisement “click-through”, web traffic, or other activities in order to improve visitor experience. These third parties are subject to their own privacy policies.

How We Use and Share Your Information

We collect information about you to provide personalized products and services. The information we collect may be used to identify you, process transactions or improve products. The Third Federal Savings & Loan Privacy Notice explains how we may use the information you provide when you apply for or obtain one of our consumer products or services. Third Federal does not share with third parties except as permitted by law.

Protecting your Information

Third Federal is committed to safeguarding your private personal information. We use physical, electronic, and procedural security measures that comply with government standards and guidelines to safeguard your information. Associate access to your information is restricted and allowed on a business need-to-know basis only. When you sign on to our Online Banking services or enter your information during the application process, we use technology that will encrypt and privately send your information to our network.  

You play a critical role in safeguarding your personal information from others by maintaining up to date computer security protections and by reviewing your statements promptly. The Federal Trade Commission’s websites, www.ftc.gov, www.ftc.gov/idtheft, www.business.ftc.gov/, and www.onguardonline.gov, offer useful information about how to protect your personal identifiable information.

Linking to Other Websites

We may provide links to other websites. If you are notified that you are leaving Third Federal’s website via pop up, we are not responsible for the privacy or security of the sites you are going to. This includes the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these websites, we urge you to review their privacy policies before sharing any information. 

Social Media

You may also find additional information on our products and services through our social media sites such as Facebook. Please keep in mind that any information you share is visible to all participants on social media and you should never post any sensitive personal information (such as your account number or social security number). Carefully review Third Federal’s social media Terms of Use along with the Terms of Use and Privacy Policy of the social media site as they may be different than Third Federal’s.

Electronic Communication

Forms of communication such as email, text messaging and social media are a form of electronic communication and are inherently unsecure. Please refrain from submitting personal information (such as account number or social security number) via email or other forms of electronic communication. If you contact us via email or some other form of electronic communication, you are consenting to receive communications from Third Federal or one of our providers electronically.  We may retain the contents of any electronic communication, for example your email address, unique identifier (such as your Facebook name), and our response in order to better service your needs or for audit, legal, regulatory or other business-related reasons.

Personal Information on Children

Third Federal respects the privacy of your children and encourage parents to supervise their children’s computer usage. We do not knowingly collect or retain personal information from children under the age of thirteen. To learn more about the Children’s Online Privacy Protection Act (COPPA) please visit the Federal Trade Commission’s website. 

Changes to Our Online Privacy Disclosure

Please note this Online Privacy Disclosure is subject to change and will always bear the date of the last update. It is your responsibility to review this Disclosure frequently to remain informed about any changes that may have been made. Your continued use of our site constitutes your acceptance of any amendments made to this Disclosure.

Revised: 09/19/2024

Last Update: 9/10/24

The state of California requires that we provide privacy information for individuals who are residents of the state of California. If you do not reside in the state of California, please disregard this document.

This Privacy Policy for California Residents (“California Privacy Policy”) supplements information contained in the Online Privacy Policy and Policy Notice of Third Federal Savings Association (collectively “we,”; “us,”; “our”; or “TFS”) and applies solely to consumers, visitors, users and others who reside in the State of California (“consumers”; or “you”). TFS adheres to the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, the “CCPA”, along with subsequent clarifying CCPA legislation, implementing CCPA regulations, and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this policy.

NOTICE AT COLLECTION / PERSONAL INFORMATION WE COLLECT

We collect information that identifies, relates to, describes, references, and is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer, household, or device (‘personal information”), as described in more detail below.

Personal Information Does Not Include: Publicly available information from government records

• De-identified or aggregated consumer information
• Information excluded from the CCPA, like:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial date;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), The Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Protection Act of 1994.

Personal Information We Collect:

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice to you first.

We will retain your personal information as reasonably necessary for the disclosed purpose. The retention periods for each category of personal information vary depending on compliance with relevant laws, your request for deletion, and our retention policies. For example, we may need to retain your personal information to comply with our legal or reporting obligations in accordance with the laws or to defend against claims. Consequently, it is not possible for us to provide a definitive length of time. Our retention periods are determined by using and balancing the following criteria:

• The volume, nature, and sensitivity of your information;
• The potential risk of unauthorized access, use or disclosure, or misappropriation;
• The purposes for which we process your personal information; and
• The retention obligations under applicable legal requirements.

Disclosure of Personal Information for a Business Purpose

We may disclose your personal information to certain categories of third parties as described in the table above for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract. Please refer to the table above for the categories of personal information we have disclosed for a business purpose in the preceding twelve (12) months.

Sale or Sharing of Personal Information

We do not and will not sell or share your personal information. We do not and will not sell or share the personal information of minors under 16 years of age.

YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Know and Data Portability Rights:

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request for access, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or disclosing that personal information.
• The categories of third parties with whom we disclose that personal information.
• The specific pieces of personal information we collected about you (also called data portability request).
• If we disclosed your personal information for a business or commercial purpose, the categories of personal information disclosed and with whom.

  We may deny your request for access if we are unable to verify your identity or have reason to believe that the request is fraudulent.

  Right to Delete:

  You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions. Once we receive and confirm your verifiable request, we will delete (and direct our service providers and third parties to delete) your personal information from our records, unless an exception applies.

  We may deny your request to delete if retaining the personal information is necessary for us or our service providers to:

• Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of a business’s ongoing relationship with the consumer, or otherwise perform a contract between the business and the consumer.
• Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes.
• Debug to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
• Comply with the California Electronic Communication Privacy Act pursuant to Chapter 3.6 (commencing with section 1546) of title 12 of Part 2 of the Penal Code.
• Engage in public or peer-reviewed scientific, historical, or statistical research that confirmed or adheres to all other applicable ethics and privacy laws, when the businesses’ deletion of the information is likely to render impossible or seriously impair the ability to complete such research, if the consumer has provided informed consent.
• To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business and compatible with the context in which the consumer provided the information.
• Comply with legal and regulatory obligations.

  Additionally, we may deny your request to delete if we are unable to verify your identity or have reason to believe that the request is fraudulent.

  Right to Correct Inaccurate Personal Information:

  The CCPA provides you with the right to request that we correct inaccurate personal information that we maintain about you.

  Right to Opt-Out:

  Third Federal does not and will not sell or share your personal information. The CCPA provides consumers with the right to opt-out of the sale or sharing of your personal information. For purposes of this California Privacy Policy, “share” means the disclosure of Personal Information to a third party for cross-context behavioral advertising. Third Federal does not “share” Personal Information for cross-context behavioral advertising. Therefore, because we do not sell, share, or otherwise disclose your Personal Information for this purpose, you do not have a right to such opt-out at this time.

  Right to Non-Discrimination:

  Third Federal will not discriminate or retaliate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods and services.
• Charge you different prices or rates for goods and services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods and services.
• Suggest that you may receive a different price or rate for goods and services or a different level or quality of goods or services.

Right to Limit Use and Disclosure of Sensitive Personal Information:

As disclosed in the above table, we may collect certain information that is considered Sensitive Personal Information under California law. Under the CCPA regulations, a business is only required to provide a right to limit the use and disclosure of sensitive personal information when such use does not fall within the list of exemptions outlined in CCPA § 7027, subsection (m). Our use and disclosure of Sensitive Personal Information falls within this list of exceptions and we do not use or disclose Sensitive Personal Information for other purposes. Therefore, we do not provide any such right to limit at this time.

SUBMITTING A VERIFIED CONSUMER REQUEST

Exercising Right to Know, Right to Correct, Data Portability, and Right to Delete:

To exercise the access, data portability, correction, and deletion rights described above, please submit a verifiable consumer request to us by either:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Authorized Agents

You may designate an authorized agent to exercise your rights under the CCPA on your behalf. Pursuant to the CCPA, only a natural person or a business entity that a customer has authorized to act on their behalf may act as an authorized agent. When you use an authorized agent to submit a request to delete, request to correct, or a request to know, we may require that you or the authorized agent provide proof that you gave the agent signed permission to submit the request. We may also require the consumer to do either of the following: (1) Verify their own identity directly with the business; or (2) Directly confirm with the business that they provided the authorized agent permission to submit the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to you electronically or by mail (your option) to the address associated with your account. If you do not have an account with us, we will deliver our written response to you by mail. Any disclosures we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Changes to Our Privacy Policy

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you through a notice on our website homepage.

Contact Information

If you have any questions or concerns about this California Privacy Policy, our Online Privacy Disclosure, the ways in which we collect and use your personal information, your choices and rights regarding such use, our information practices, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 1-800-844-7333

Email: tfsprivacy@thirdfederal.com

Postal Address:
CCPA Privacy/Compliance
7007 Broadway Ave.
Cleveland, OH 44105