This Privacy Practice Notice contains
important information concerning your rights
DEAR VALUED CUSTOMER:
Our company respects your concern for privacy. Our goal is to respond to your inquiries, to provide better customer service, and to provide products, services, and other promotional information that you request and that we believe may help meet your needs or be of interest to you. However, we recognize that we have an important responsibility to protect that privacy and security of the nonpublic personal information we collect from you. Therefore, we want you to understand our information sharing practices and for you to know that they are designed to meet strict legal requirements and ensure the confidentiality of your information.
THE TYPE OF INFORMATION WE COLLECT
The type of information that we collect depends upon the product or service that we are providing to you or that you are asking about. We collect information that you provide to us on applications and other forms; information about your transactions with us, our affiliates, or others; and information that is provided to us by third parties including credit reporting agencies, individual referenced services public record data bases, and other recognized providers of nonpublic personal information.
The information we collect May include identifying information such as your name, address, birth date, social security number, and other information on how to contact you; your credit worthiness, credit score and credit history, as well as transaction information such as account activity and loan terms. We may also collect financial information such as your income, assets and employment status, information about your spouse or dependents, and/or certain demographic information. If you apply for an insurance product, we may collect limited health information on your application.
HOW WE TREAT THE INFORMATION
We do not disclose health information for marketing purposes. We disclose health information to affiliates or nonaffiliated third parties only to underwrite or administer your account or claim, or as otherwise permitted or required by law or court order. We require any third party who receives information about you from us to agree to keep that information confidential and to use the information only for the purposes for which it was disclosed.
DISCLOSURES TO AFFILIATED ENTITIES
We may share the information we collect, as listed above, with affiliated entities. You have a right to prevent the sharing of information, except for the sharing of information relating solely to your transactions with us (such as your payment history) or our experiences with you. If you do not want us to share this information with our affiliates, please let us know.
DISCLOSURES TO NON-AFFILIATED ENTITIES
We may share the information we collect, as listed above, to non-affiliated third parties for the purpose of offering products and services that may be of value to you. Organizations that may receive your information include, but are not limited to financial institutions such as motor vehicle lenders or lessors, mortgage brokers and insurance agents, non-financial companies, such as retailers, publishers and direct marketers, providers of aftermarket products such as Guaranteed Automobile Protection products, warranties and service contracts, and others such as trade associations and nonprofit organizations. In addition, we may disclose certain information to affiliates and nonaffiliated third parties, as applicable and as permitted or required by law or court order. We will disclose such information only with organizations that agree to treat it confidentially and to use it only for the purposes intended.
We typically will retain your personal information for a period of time after the end of a customer relationship in some cases we may be required, by law or industry standards, to retain certain information for a specified period of time We maintain the same standards of privacy for all consumers and customers, both current and former.
A FINAL WORD
We are permitted by law to disclose information about you to third parties that perform marketing services on our behalf and/or to other financial institutions with whom we have joint marketing agreements. We are not required to give you the opportunity to opt out of such disclosures.
Because your trust and confidence in our company matters to us, we are committed to keeping you informed about our privacy practices and your rights. By using information. we are able to deliver products and services that meet your needs. Therefore, it may be necessary for us to periodically review and update our privacy practices in order to provide the best service.
Although you will receive multiple copies of this notice over time, you only need to notify us once per account of your information sharing preference. If you have any questions regarding your rights or the contents of this notice, please contact us.