In
accordance with federal regulations, we are giving you this Privacy
Notice to tell you how we may use non-public personal information
("Private Information") about you and your account.
The kinds of Private Information we collect about you or your
account are described below. This Privacy Notice applies whether
you are our current or former customer. This Privacy Notice is
provided to you as required by federal laws and regulations applicable
to our business. This Privacy Notice does not amend or alter our
obligations under any applicable state or local laws, regulations
or ordinances.
Collection
and Use of Private Information
We
may collect the following kinds of Private Information about
you from the following sources:
Information
you provide on applications, forms, or other correspondence, such as your name, address, social security number
and income
Information
about your transactions with us or others, such
as your account balance and payment history
Information
we receive from consumer reporting agencies, credit references,
employers, insurance companies, and insurance agencies, such
as your credit history and creditworthiness, and information
that we obtain to verify employment history or that insurance
coverage is in force.
Disclosure
of Private Information
We
may disclose Private Information (described above) under the
following circumstances:
To
Marketing Service Providers and Joint Marketing Partners. We
may disclose all Private Information to companies that perform
marketing services for us or to other financial institutions
with which we have joint marketing agreements.
With
Non-Affiliated Third Parties. We may disclose
all Private Information about you with non-affiliated third
parties as permitted by law.
Protection
of Information
We
restrict access to your Private Information to our employees
and third parties who need to know that information in order
to service your account. Additionally, we maintain physical,
electronic, and procedural safeguards to protect your Private
Information in a manner consistant with industry standards for
similiar companies. We will review our safeguards from time
to time, and strive to maintain them in a manner consistent
with federal regulations that may be in effect from time to
time.
May
2005 |
