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Privacy Policy
Disclosure
(Protection of the
Privacy of Personal Non-Public Information)
Respecting and protecting customer privacy is vital to our business. By
explaining our Privacy Policy to you, we trust that you will better
understand how we keep our customer information private and secure while
using it to serve you better. Keeping customer information secure is a top
priority, and we are disclosing our policies to help you understand how we
handle the personal information about you that we collect and disclose. This
notice explains how you can limit our disclosing of personal information
about you. The provisions of this notice will apply to former customers as
well as current customers unless we state otherwise.
The Privacy Policy explains the Following:
·
Protecting the
confidentiality of our customer information.
·
Who is covered by
the Privacy Policy.
·
How we gather
information.
·
The types of
information we share, why, and with whom.
·
Opting Out - how to
instruct us not to share certain information about you or not to contact
you.
Protecting the Confidentiality of Customer information:
We
take our responsibility to protect the privacy and confidentiality of
customer information very seriously. We maintain physical, electronic, and
procedural safeguards that comply with federal standards to store
and
secure information about you from unauthorized access, alteration, and
destruction. Our control policies, for example, authorize access to customer
information only by individuals who need access to do their work.
From
time to time, we enter into agreements with other companies to provide
services to us or make products and services available to you. Under these
agreements, the companies may receive information about you but they must
safeguard this information, and they may not use it for any other purposes.
Who is Covered by the Privacy Policy:
We
provide our Privacy Policy to customers when they conduct business with our
company. If we change our privacy policies to permit us to share additional
information we have about you, as described below, or to permit disclosures
to additional types of parties, you will be notified in advance. This
Privacy Policy applies to consumers who are current customers or former
customers.
How We Gather Information:
As
part of providing you with financial products or services, we may obtain
information about you from the following sources:
·
Applications,
forms, and other information that you provide to us, whether in writing, in
person, by telephone, electronically, or by any other means. This
information may include your name, address, employment information, income,
and credit references;
·
Your transaction
with us, our affiliates, or others. This information may include your
account balances, payment history, and account usage;
·
Consumer reporting
agencies. This information may include account information and information
about your credit worthiness;
·
Public sources.
This information may include real estate records, employment records,
telephone numbers, etc.
Information We Share:
We
may disclose information we have about you as permitted by law. We are
required to or we may provide information about you to third-parties without
your consent, as permitted by law, such as:
·
To regulatory
authorities and law enforcement officials.
·
To protect against
or prevent actual or potential fraud, unauthorized transactions, claims, or
other liability.
·
To report account
activity to credit bureaus.
·
To consumer
reporting agencies.
·
To respond to a
subpoena or court order, judicial process or regulatory authorities.
·
In connection with
a proposed or actual sale, merger, or transfer of all or a portion of a
business or an operating unit, etc.
In
addition, we may provide information about you to our service providers to
help us process your applications service your accounts. Our service
providers may include billing service providers, mail and telephone service
companies, lenders, investors, title and escrow companies, appraisal
companies, etc.
We
may also provide information about you to our service providers to help us
perform marketing services. This information provided to these service
providers may include the categories of information described above under
"How We Gather Information" limited to only that which we deem appropriate
for these service providers to carry out their functions.
We do
not provide non-public information about you to any company whose products
and services are being marketed unless you authorize unto do so. These
companies are not allowed to use this information for purposes beyond your
specific authorization.
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