This website is maintained according to the Banking Industry Privacy Principals for U.S. Financial Institutions.

Electronic Financial Group, Inc. is serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.

“You” or “Your” means you as a participant in or as a user of Electronic Financial Group’s systems. “We” or “Our” or “Us” means Electronic Financial Group, Inc. “Our site” means Electronic Financial Group.

All information transmitted, printed or otherwise submitted to the Electronic Financial Group, Inc. via this website shall be deemed to be the property of Electronic Financial Group, Inc. and shall be free to use such information for any lawful purpose as detailed herein.

This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.

U.S. BANKING INDUSTRY PRIVACY PRINCIPLES
(The following principles can be found in the Appendix of Financial Privacy in America, published in June 1998 by several financial service industry trade associations and service providers.)

Recognition of a customer’s expectation of privacy.
Financial institutions should recognize and respect the privacy expectations of their customers and explain principles of financial privacy to their customers in an appropriate fashion. This could be accomplished, for example, by making available privacy guidelines and/or providing a series of questions and answers about financial privacy to those customers.

Use, collection and retention of customer information.
Financial institutions should collect, retain and use information about individual customers only where the institution reasonably believes it would be useful (and allowed by law) to administering that organization’s business and to provide products, services and other opportunities to its customers.

Maintenance of accurate information.
Financial institutions should establish procedures so that a customer’s financial information is accurate, current, and complete in accordance with reasonable commercial standards. Financial institutions should also respond to requests to correct inaccurate information in a timely manner.

Limiting employee access to information.
Financial institutions should limit employee access to personally identifiable information to those with a business reason for knowing such information. Financial institutions should educate their employees so that they will understand the importance of confidentiality and customer privacy. Financial institutions should also take appropriate disciplinary measure to enforce employee privacy responsibilities.

Protection of information via established security procedures.
Financial institutions should maintain appropriate security standards and procedures regarding unauthorized access to customer information.

Restrictions on the disclosure of account information.
Financial institutions should not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required by/or allowed by law (i.e., subpoena, investigation of fraudulent activity, etc.); or 4) the customer has been informed about the possibility of such disclosure for marketing or similar purposes through prior communication and is given the opportunity to decline (i.e., “opt out”).

Maintaining customer privacy in business relationships with third parties.
If personally identifiable customer information is provided to a third party, the financial institutions should insist that the third party adheres to similar privacy principles that provide for keeping such information confidential.

Disclosure of privacy principles to customers.
Financial institutions should devise methods of providing a customer with an understanding of their privacy policies. Customers who are concerned about financial privacy will want to know about an institution’s treatment of this important issue. Each financial institution should create a method for making available its privacy policies.

Section 1.
Collected Information

Visitors to the Electronic Financial Group’s Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
· Date and time our site was accessed
· IP address (A numeric address given to servers connected to the Internet)
· Web browser used
· City, state, and country
Electronic Financial Group, Inc. uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via E-mail, online registration forms. This information is used internally, as appropriate, to handle the sender's request.
We automatically collect and/or track the following:
(1) webpage http headers (home server domain names, IP address, type of client computer and type of Web browser);
(2) information knowingly provided by you through online forms, registration forms, surveys and/or other entries, such as email addresses, personal, financial, or demographic information;
(3) information, user specific or aggregate, on what pages our visitors access and
(4) the email addresses of visitors that communicate with Electronic Financial Group, Inc. via email.
Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Section 2.
Use of Data Collected

We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future emails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.

Section 3.
Disclosure of Data to Third Parties

If you choose to provide personal information, it will be used for the following purposes: (1) considering you for an Electronic Financial Group, Inc. account, (2) sharing of your information with trusted third parties such as credit bureaus and/or other financial services providers, (3) as required by law and (4) for marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully prescreened by us, be determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.

Section 4.
Your Opt-Out Rights

You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our database. If you remove your information from our database it will no longer by used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondences to you. You can remove your information by sending your request in writing via email cs@efg-waco.com, via mail to Customer Service, Electronic Financial Group, Inc., P.O. Box 21175, Waco, Texas 76702-1175, or by phoning (254) 399-8888 and requesting your profile be deleted.

Section 5.
Your Rights To Your Personal Data

Upon request via postal mail or email, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address we have on file for you. You may modify, correct, change, or update your personal record or remove your personal record from our database by contacting Electronic Financial Group, Inc.® via email to cs@efg-waco.com, via mail to Customer Service, Electronic Financial Group, Inc., P.O. Box 21175, Waco, Texas 76702-1175, or by phoning (254) 399-8888 and stating your request.

Section 6.
We Do Not Intend To Collect Data From Children

The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing promotional purposes whatsoever, either inside or outside Electronic Financial Group, Inc..

Section 7.
Our Right To Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreement relevant to you.

Section 8.
Our Right To Change

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the change online at our site.

Section 9.
Our Contact Information

If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact via email to cs@efg-waco.com, via mail to Customer Service, Electronic Financial Group, Inc., P.O. Box 21175, Waco, Texas 76702-1175, or by phoning (254) 399-8888.

copyright © 2001 Electronic Financial Group, Inc