Privacy Notice

In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it. We value your confidence in us.

Information we collect

We collect and maintain information about you to provide you with the product or service you request and to service your account. We collect certain information about you from the following sources: Information we receive from you on applications or other forms. Information we receive from a consumer reporting agency, such as credit report information. In addition, we collect information about your activities while you are at our site. While you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site. We obtain the information by using cookies.

How we protect your information

Our customers are our most valued assets. Protecting your privacy is important to us. To help ensure the security of your personal and financial information that you submit to us (other than via an e-mail message), we use security software before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. We restrict access to personal information about you to those individuals, such as employees and organizations who provide you with products and services that you have requested. We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic and procedural safeguards to guard your personal information.

How you can protect your information

Utilize the latest, generally proven version of the Netscape, Microsoft Explorer or the America Online browser. Our site is most secure when using one of these browsers. Keep your User ID and PIN or password confidential. Utilize a PIN or password unique to you and, if possible, change it frequently. Make sure others are not watching you enter your User ID, PIN or password on your keyboard when using our web site. Do not leave your computer unattended while logged onto our web site. After you've finished accessing your information, exit the web site. This ensures that no one can access your information if you leave your computer and your session has not been timed out.

Information we disclose

We may disclose nonpublic information we collect about you to companies that perform marketing services on our behalf or to other institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.

Sharing information with affiliates

We have various affiliates that offer a variety of financial products and services. Sharing information enables our affiliates to offer you a more complete range of products and services. We may share with our affiliate's consumer report information, such as information from credit reports and certain application information, that we have received from you and from third parties, such as consumer reporting agencies.

Affiliates and vendor privacy policy

This Web site contains links to other sites. We provide links to other sites as a convenience to persons who visit our web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with us). Please be aware that we are not responsible for the privacy practices of those sites, even though our name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site.

Modification to our privacy policy

We hope you have found this Important Notice helpful. If you are not comfortable with any of the terms or policies described in this Privacy Statement, we ask that you discontinue use of our site. Please be aware that we may periodically update or revise this Privacy Statement.