Privacy Policy Disclosure
(Protection of the Privacy of Personal Non-Public Information)

Respecting and protecting your customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. The provisions of this notice will apply to former customers as well as current customers in the United States, unless we state otherwise. Since the privacy policy may change, please visit this site from time to time to review the policy for updates.

We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.

From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.

As part of providing you with financial products or services, we may obtain information about you from the following sources:

• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
  
• Your transaction with us, our affiliates, or others. This information may include your account balances, payment history, and account usage;
  
• Consumer reporting agencies. This information may include account information and information about your credit worthiness;
  
• Public sources. This information may include real estate records, employment records, telephone numbers, etc.

We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third-parties without your consent, as permitted by law, such as:

• To regulatory authorities and law enforcement officials.
  
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
  
• To report account activity to credit bureaus.
  
• To consumer reporting agencies.
  
• To respond to a subpoena or court order, judicial process or regulatory authorities.
  
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.

In addition, we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.

We do not provide non-public information about you to any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.