## Digital Privacy Policy **FIRST FEDERAL SAVINGS** **Digital Privacy Policy** *Last Updated: April 2026* Your privacy matters to us. This Digital Privacy Policy explains how First Federal Savings collects, uses, shares, and protects information when you visit or use any of our digital services, including our website at www.firstfedohio.com, our mobile banking application, online account opening, and any digital advertising we run on third-party platforms. This policy applies to all visitors and users of our digital services, including individuals who are not current customers. If you have a financial product or service with us, please also review our Detailed Consumer Privacy Notice, which explains your rights under federal law regarding the sharing of your nonpublic personal financial information. Our digital services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without verifiable parental consent. --- **1. Information We Collect** **Personal Information** When you use our digital services, we may collect personal information you provide directly, such as: • Name, email address, mailing address, and phone number • Account numbers and financial information • Social Security numbers and driver's license numbers when required for account applications • Login credentials such as username, password, and security question answers • Payment card information when provided through our digital services **Usage and Device Information** We may also automatically collect certain information about your device and how you interact with our digital services, including: • IP address and general geographic location • Browser type, operating system, and device identifiers • Pages visited, links clicked, and time spent on our site or app • Referring website or search terms that brought you to our site • Responses to advertisements displayed on our site or on third-party platforms **Mobile Application Information** When you use the First Federal Savings mobile banking app, we may collect additional information such as: • Unique mobile device identifiers • Screen resolution and device settings • Geo-location data, if you have enabled location services and consented to collection You may disable location tracking at any time through your device settings. Please note that disabling location services may limit certain features of the mobile app, such as locating nearby ATMs or branches. **Cookies and Tracking Technologies** We and our service providers use cookies, web beacons, pixel tags, and similar tracking technologies to collect information about your activity on our digital services. These technologies help us: • Remember your preferences and keep you logged in • Understand how visitors use our website and mobile app • Measure the effectiveness of our advertising campaigns • Deliver content and advertisements relevant to your interests You can adjust your browser settings to decline or delete cookies. Doing so may affect your experience on our site. We do not override browser "Do Not Track" signals, though our ability to honor them may vary by service. **2. How We Use Your Information** We use the information we collect for purposes including: • Processing applications, transactions, and account requests • Verifying your identity and preventing fraud • Communicating with you about your accounts, products, and services • Sending SMS messages for account notifications, fraud alerts, and security alerts, when you have opted in • Personalizing your experience on our digital services • Analyzing usage of our website and mobile app to improve performance • Delivering and measuring the effectiveness of our digital advertising campaigns • Complying with applicable laws, regulations, and legal obligations • Operating, improving, and securing our digital services **3. How We Share Your Information** **Service Providers** We may share your information with third-party vendors and service providers that perform services on our behalf, such as website hosting, analytics, mobile app development, fraud detection, and advertising. These providers are contractually required to use your information only to perform services for us and to protect it appropriately. **Advertising Partners** We use third-party advertising platforms, including Meta (Facebook) and Google, to serve advertisements on their networks. These platforms may use cookies and pixel tags placed on our website to show our ads to people who have visited our site or to similar audiences. This is sometimes called interest-based or behavioral advertising. You can opt out of interest-based advertising through the Digital Advertising Alliance at https://youradchoices.com/, or by adjusting your ad preferences directly within Facebook and Google account settings. **Analytics** We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as how often users visit, what pages they visit, and what other sites they used prior to visiting ours. We use this information to improve our website. You can learn more about how Google uses this data at www.google.com/policies/privacy/partners. **Affiliates** We may share certain information with our affiliates, including First Community Financial Services, as described in our Consumer Privacy Notice and in accordance with applicable law. **Legal Requirements** We may disclose your information when required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others. **SMS Communications** If you provide your mobile phone number and consent to receive text messages from First Federal Savings, we may send you account notifications, fraud alerts, and security alerts via SMS. SMS consent and phone numbers collected for SMS communications are not shared with third parties or affiliates for marketing purposes. SMS consent is not shared with third parties. **4. SMS Terms of Service** By opting into SMS from a web form or other medium, you agree to receive SMS messages from First Federal Savings. This includes account notifications, fraud alert messaging, and security alerts. Message frequency varies. Message and data rates may apply. • To opt out at any time, reply STOP to any message. • For assistance, reply HELP or visit www.firstfedohio.com. • View our privacy policy at www.firstfedohio.com/privacy. • View our Terms and Conditions at www.firstfedohio.com/terms-and-conditions. **5. How We Protect Your Information** We use physical, electronic, and procedural safeguards that comply with federal standards to protect your personal information from unauthorized access, use, or disclosure. These measures include encrypted data transmission, secured servers and facilities, and access controls that limit who within our organization can view your information. Please note that no method of transmission over the internet or electronic storage is completely secure. We encourage you not to send sensitive personal information such as Social Security numbers or account numbers via unencrypted email. For your security, avoid using public Wi-Fi when accessing your accounts through online or mobile banking, and never save your banking password on your device. **6. Your Choices** You have several options for managing your personal information and communications: • Opt out of SMS messages at any time by replying STOP to any text message from us. • Opt out of interest-based advertising through www.aboutads.info or your device and account settings. • Adjust cookie preferences through your browser settings. • Disable location tracking through your mobile device settings. • Update your contact information or account preferences by logging into online banking, visiting a branch, or calling us at (740) 345-3494. **7. Third-Party Links** Our website and mobile app may contain links to third-party websites or services that are not operated by First Federal Savings. This Digital Privacy Policy does not apply to those sites. We encourage you to review the privacy policy of any third-party site you visit. **8. Changes to This Policy** We may update this Digital Privacy Policy from time to time. When we do, we will post the revised policy on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information. **9. Contact Us** If you have questions about this Digital Privacy Policy or our privacy practices, please contact us: **First Federal Savings** 2 N 2nd St, Newark, OH 43055 Phone: (740) 345-3494 Website: www.firstfedohio.com --- *This Digital Privacy Policy is separate from the First Federal Savings Consumer Privacy Notice required under the Gramm-Leach-Bliley Act, which governs sharing of nonpublic personal financial information. To view the Consumer Privacy Notice* [*Click Here*](https://www.firstfedohio.com/privacy)*.*