Policy Notice

Our primary goal is to offer our customers superior products and service. The foundation of this superior service is trust. Our customers have elected to do business with us and we have an obligation to safeguard that relationship by protecting their private information. Our customers have given us private information expecting that we will protect this information and at the same time offer them products and services that they may need to meet their goals. We recognize this important responsibility and we will accomplish both goals by adopting the following policies.

Our Collection of Information About Customers

This policy covers customer information, which means personally identifiable information about a consumer or a consumer's current or former relationship with us. When customers establish a relationship with us, we collect their personal private information. We receive this information directly from the customers, from our affiliates and from other sources such as credit reporting agencies. We will use this information to help us administer and process the customer's orders. It is our policy to collect only that information we need for specific business purposes.

Sharing Information With Our Affiliated Companies

In order to continue to offer products and services to our customers, we will share our customer's transaction and experience information among our affiliated companies to the extent allowed under the law. Though customers will not be provided the opportunity to opt-out of this information sharing, we will honor a customers request not to receive marketing materials for products and services.

Our affiliates may share other non-experience private information in order to perform transactional assistance for our customers and other services as allowed by law.

Restriction on Disclosing Information to Parties Outside our Affiliated Companies

We will not disclose our customer's private personal information we have collected to other companies unless:

Disclosing Information to Other Outside Companies

Periodically, we will need to share our customer's private information with outside companies; for example, companies that we hire to maintain our computer systems and companies that perform data processing. We will communicate our privacy commitment to these companies and ask that these companies agree to safeguard customer information, use the information only for its intended purpose, and not distribute it to other companies unless it is necessary to complete the customer's order.

Providing Privacy Information to Customers and Responding to Inquiries

Customers have the right to receive, and we have a responsibility to inform customers of, our privacy policies and practices. We will therefore provide this notice of our privacy policies in the form of a Privacy Notice. The Notice will describe in detail the privacy practices of the corporation.

Protecting Private Information

We will diligently protect our customer's private information by establishing operational safeguards that will create standards and procedures for the security of computer systems that house private information to help prevent unauthorized access. We will also periodically update and test the data processing systems and assure the integrity of the information. We will allow access to our customer's private information by only those employees or contractors who have a business reason to access such information and will establish operational procedures to safeguard private information from being released accidentally or released to individuals that fraudulently attempt to obtain the information. Also, we will train and educate all employees and contractors on the importance of confidentiality and protecting customer privacy. We will take appropriate disciplinary measures to enforce employee and contractor privacy responsibilities.