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Privacy
Policy Disclosure
Respeting
and protecting customer privacy is vital to our business. By explaining
out 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 cisclose. This
notice explains how you can limit our disclosing of personalinformation
about you. The provisions of this notice will apply to former customers
as well as current customers unless we state otherwise.
The Pricacy 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 safegurads that comply with federal standards to store
and secure information about you from un authroized 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 argreements with other
companies to provide service to us or make products and sercvices
available to you. Under these agreements, the companies may receive
information about you but they must safeguard this infmroantion 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 customers who are current
customers or past 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, weahter in writing,
in person, by telephone, electronically, or by any other means. This
information may influde 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 informtion and information about your credit
worthiness;
- Public sources. This information may include, real
eatate records, employment records, telephone numbers, etc.
Information
We Share:
we
may disclose information we have about 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 respont to a subpoena or court order, judicial
process or regulator authoritits.
- In connection witha proposed or actual sale, merger
or transfer of all or a portion og 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 or 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
informaiotn about you to our service providers to help us perform
marketing services. This informaiton 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 informaition about you to any company whos
products and service s are being marketed unless you authorize us to do
so. These companies are not allowed to use this information for
purposes beyond your specific authorization.
Opting Out
We
also may share informatio about you with our corporate family of
office(s). We may share all of the categories of information we gather
about you , including identification informaiton (such as your name and
address), credit eports (such as your credit history), application
information (such as your income or credit references), your account
transactions and experiences with us (such as your payment history),
and information from other third parites (such as you remployment
history).
By sharing this information we can better understand
you rfinancial needs. We can then send you notification of new products
and special promotional offers that you may not otherswis know about.
For example, if you originally obtained a mortgage loan with us, we
would know that you are a home owner and may be interested in hearing
how a home equity loan may be a better option than an auto loan to
finance the purchase of a new car.
You may prohibit the
sharing of application and third-paryt credit-related information
within our company or any third-party company at any time. If you would
like to permit disclosure of personal information about you a s
dscirbed in this notice, just check the appropriate box or boxes to
indicate your privacy choices.
- Please do not share personal informaiton about me
with non-affiliated third parties.
- Please
do not shar personal information about me with any of your affiliates
except as necessary to effect, administer, process, sercice or enforce
a transaction requested or authorized by myself.
- Please do not contact me with offers of products or
services by mail.
- Please do not contact me with offers of products or
services by mail
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