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.
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:
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.
We may disclose all of the information that we collect, as previously described.
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 Reporting Act.
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.
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.
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.