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PRIVACY POLICY DISCLOSURE
(Protection of the Privacy of Personal Non-Public
Information)
Respecting and protection 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 to activity or 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 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 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 us to do
so. These companies are
not allowed to use this information to purposes beyond your
specific authorization.
We also may share information about you within our corporate
family of office(s). We
may share all of the categories of information we gather
about you, including
identification information (such as your name and address),
credit reports (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 parties (such as
your employment
history).
By sharing this information we can better understand your
financial needs. We can
send you notification of new products and special
promotional offers that you may
not otherwise know about. For example, if you originally obtained a mortgage loan
with us, we would know that you are a homeowner 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.
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