Categories of non-public personal information collected by us
Your information we collect is categorized as follows:
(1) Information you provided on your application.
(2) Verification of such information and/or assessment of your transactions with individuals or companies listed in your application.
(3) Information provided by consumer reporting agencies such as TeleTrack and/or TeleCheck and/or CL Verify and/or CBC Innovis and their respective subscribers.
How we use your non-public information
Your non-public information may be used by us in connection with any transaction with us and for marketing our good and services to you and in accordance with this privacy policy.
When and how we share your information with outside marketers
We do not provide your personal information to outside companies so they may market services or goods to you.
When and how we share your information with affiliated companies
We may share information about your transactions with affiliated companies, including information you provided on your application, verification of such information, or an assessment of your transactions with individuals or companies listed in your application. Your information may also be shared with third party vendors with whom we have agreements to fulfill services on our behalf who have a duty of confidentiality to us. Information may be provided to consumer reporting agencies such as TeleTrack and/or TeleCheck and/or CL Verify and/or CBC Innovis and their respective subscribers. Outstanding loan balances and performance with our affiliated companies may be used in the adjudication of your loan.
When and how we share your information with unaffiliated third parties
We share non-public information on your current or past transactions with us with unaffiliated third parties in a very limited way, such as consumer reporting agencies, including but not limited to TeleTrack and/or TeleCheck and/or CL Verify and/or CBC Innovis and their respective subscribers. We also share such information with any law firms or collection agencies we engage in the collection of any debt owed us and/or to protect our contractual or other rights. We may also share your non-public, personal information to the extent you have expressly agreed in writing.
Other situations where we may be required to disclose your non-public information
We may be required to share your non-public personal information as required by federal, state or local laws or by court order.
How do I opt out of you sharing my non-public information
As we do not share your non-public information with unaffiliated third parties except as allowed by law for services essential to providing our products to you, you may only opt out of our sharing of your information by not filing out and submitting or sending us an application.
How we keep your non-public personal information secure
We take your privacy seriously and we treat your non-public personal information with great care. Only those employees who need access to your private personal information may access it, and they are required to maintain the confidentiality of that information. Any employee who fails to maintain this confidentiality is subject to disciplinary procedures and possible legal action. The company maintains physical and computer safeguards as required by law at all times.
