We are committed to
providing you with quality products and superior service. We understand that
service begins with trust. As a customer you provide us with private
information. We believe private information to mean nonpublic personally
identifiable information about you as a consumer and customer or former
customer with us. You expect that we will carefully protect this information.
We take this responsibility seriously. This notice explains how we will
accomplish this important obligation while continuing to provide you with a
wide variety of products and services that may help you meet your goals.
This Privacy Notice contains important privacy information. It forms a part
someday later treat nonpublic personal information about you as our customer.
We may change our practices in this area from time to time.
Information That We Collect
We collect and use various types of information to service your accounts. When
you become a customer we collect nonpublic personal information about you from
the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions or experience with us, our affiliates,
- Information we receive from a consumer reporting agency or from customer
lists we acquire;
- Information we receive from other outside sources regarding your credit or
other relationships in order to verify information that you have provided to
- Other general information we obtain about you that is not collected for the
purpose of determining your qualification for credit, or other product or
service that you have requested.
We use this information to help us administer and process your transactions
and provide products, services and other opportunities that you may need. It
is our policy to collect only that information we need for specific business
purposes and work to maintain accurate information about our customers.
Information That We Disclose
We may disclose all of the information that we collect, as previously
Parties to Whom We Disclose Information
We may disclose nonpublic personal information about you to affiliates within
our corporate family of financial services providers, such as our banking
institution, finance company or servicing company. We limit this type of
information sharing among affiliates to information about your transactions or
experiences with us and other information permitted by the Fair Credit
We may disclose nonpublic personal information about you to nonaffiliated
third parties as permitted by law. For example, we may respond to lawful
subpoenas or communicate with credit bureaus. We may also provide information
to a company in order to complete a transaction that you initiated or provide
information to a company at your request.
Disclosures in Joint Marketing and Servicing
In order to offer you a wide variety of related products and services, we may
disclose information we collect, as described above, to non-affiliated
companies that perform marketing services on our behalf or on behalf of us and
another company, with whom we have joint marketing agreements. We limit this
type of information sharing with non- affiliates to information about your
transactions or experiences with us and other information permitted by the
Fair Credit Reporting Act.
If sometime in the future you cease to be a customer the policies described in
this notice will continue to apply to you. This means we may share your
information as described in this notice.
Confidentiality and Security
We restrict access to nonpublic personal information about you to only those
employees who have a business reason to access such information. We maintain
physical, electronic, and procedural safeguards that comply with federal
standards to guard your nonpublic personal information. We also periodically
update and test the data processing systems and assure the integrity of the
information. When we share information with nonaffiliated companies in order
to offer you products and services, we require these companies to maintain
standards for safeguarding your information.
We train and educate all employees and independent contractors on the importance of confidentiality and
protecting customer privacy. We also train employees and independent
contractors to safeguard private
information from being released accidentally or released to individuals that
may fraudulently attempt to obtain the information.
Keeping You Current
Protecting your private information is a responsibility we take seriously, and
we value the trust you have placed in us. If you have any questions about this
notice you may contact our offices at anytime by calling (808) 662-0444. If
CalendarsUSA.com, PO Box 786, Boyes Hot Springs,