Privacy Policy

This privacy notice discloses the privacy practices for this web site. This privacy notice applies solely to information collected by this web site. It will notify you of the following:

1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data.
3. The security procedures in place to protect the misuse of your information.
4. How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing

A. How and what private information we collect: We collect information about you from the following sources: Information we receive from you over the phone, on applications or other forms, such as your name, address, social security number and income. Information about your transactions with us, our affiliates or others, such as your account balance and payment history, and information that we obtain to verify employment history or that insurance coverage is in force. Information we receive from consumer reporting agencies, such as your credit history and creditworthiness.

B. How we disclose private information: we may disclose some or all of the private information we collect as described above to the following third parties:

1. To Financial Service Providers: We may disclose some or all of your Private Information to financial service Providers ,such as banks, finance companies and insurance agents. We may make such disclosures about you as a consumer, customer, or former customer.
2. To Non-Financial Companies: We may disclose some or all of your Private Information to non-financial companies, such as retailers, warranty or service contract providers, direct marketers and publishers. We may make such disclosures about you as a consumer, customer, or former customer.
3. Between Dealer and Affiliate(s): This paragraph applies if the box for Affiliate(s) is checked at the top of this Notice. In general, there are two categories of Private Information. One is information about your history of dealing with us, such as identification information, account history and balances, insurance coverage and payment history ("Transaction History"). The other is information reserved from other sources, including information typically found in a credit report (Third Party Data"). We and our Affiliate(s) may share Third Party Data and Transaction History with each other. We do this to provide you with the products and services we offer. We may make such disclosures about you as a consumer, customer, or former customer. lf you do not want us to share Third Party Data with each other, please see the section entitled “Your Right to Tell us not to Disclose Your Private Information to Certain Third Parties” below and follow the instructions on how to tell us not to do so. Note that regardless of your request, we and our Affiliate(s) are permitted by law to share Transaction History with each other. In addition, your request to not share Third Party Data with our Affiliate(s) does not prohibit us from contacting you about additional products or services.
4. To Marketing Service Providers and Joint Marketing Partners: We may disclose some or all of your PrivateInformation to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements, such as to offer you a financial product. We may make such disclosures about you as a consumer, customer, or former customer.

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you.

Unless you ask us not to, we may contact you via email or SMS in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Contol Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone or via email.

Cookies

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

Links

This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.