PRIVACY POLICY

INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on such things as applications and forms, including your name, address, social security number, and employment-related information;
• Information about your transactions with us, our affiliates, or others, such as your account balance and payment history; and,
• Information we receive from a consumer-reporting agency, such as your credit standing and credit history.

Nonpublic personal information is defined by law and generally means financial information that is identified with you that is not obtainable from a public source, such as telephone book or government record.

Affiliates are companies we own or control, companies that own or control us, and companies that are owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

Nonaffiliated companies are companies that are not affiliates of ours.

INFORMATION WE DISCLOSE

We do not disclose any nonpublic personal information about our customers or former customers to nonaffiliated companies, except as permitted by law.  Through the normal course of doing business, including servicing your accounts and better serving your needs, we may share our transaction and account experience information with you with our affiliates.

CONFIDENTIALITY AND SECURITY 

Our employees are bound by this Privacy Notice and are educated on implementing our privacy and information security policies.  Only employees actively engaged in their assigned duties are authorized to access or use customer information.  We maintain physical, electronic, and procedural safeguards to comply with federal standards to store and secure information about you.