Information We Collect Online
We use encryption technology to protect certain information sent over the Internet. SSL is an encryption technology known as "Secure Sockets Layer". SSL encrypts transmissions between two parties and verifies the Web site server you are communicating with. If your browser is Microsoft Internet Explorer 3.0, Netscape Navigator 4.0, or a higher version of either, a picture of a lock or a key should appear in the lower right hand corner of the browser's window. No one is permitted access to this information except employees and authorized outside service providers who provide services to you.
Like many websites our site uses "cookies." A cookie is a small piece of information which a website stores on your web browser on your PC and can later retrieve. A cookie is a way for a website to recognize whether or not you have visited the site before. A cookie cannot be read by a website other than the one that set the cookie. Cookies do not read other information on your hard drive nor do they reveal new information about you without your permission.
If you choose to contact us via email, your email address and any other information your email header shows about you, such as your name or organization, will be revealed to us in the email. Also, it is important that you realize that email is not secure and may be intercepted by other third parties without your permission. For your own protection, we ask that you do not send confidential information to us via email. However, you have our commitment that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your email address will not be sold, nor will it be shared with any nonaffiliated company unless required to do so by law.
Information We Maintain or Collect
We may routinely collect and retain information about you for specific business purposes. That information may include:
- Information that you provided in connection with your loan on applications, other forms, or verbally, such as your name, address, telephone number, social security number, and employment information.
- Information about your transactions with us, our affiliates, or other parties, such as information about your payment history, loan balance, and parties to transactions.
- Information we receive from consumer reporting agencies regarding credit and checking account history.
Sharing of Nonpublic Information With Nonaffiliates
We will not disclose your nonpublic personal information to outside marketers or other companies to allow them to independently solicit you for their products or services. In addition, we will not disclose your nonpublic personal information with nonaffiliated third parties except as permitted by law. Examples may include disclosures for purposes of performing a credit check, preventing fraud, responding to judicial process or a subpoena, or complying with federal, state, or local laws. We may also disclose customer information to companies that perform services on our behalf, such as account analysis and processing and with financial institutions with which we have joint marketing agreements. We require that outside companies and independent contractors providing services on our behalf enter into a confidentiality agreement that restricts the use of any nonpublic information to the agreed upon purposes and prohibits the independent use of that information.
Information Sharing with Our Affiliates
Our affiliated companies consists of financial service providers such as insurance brokerage companies, and other financial services companies that work together to serve you. By "affiliate" we mean a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. The law allows us to share with our affiliates any information about our transactions or experiences with you. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for example, credit bureaus).
Confidentiality and Security of Information
We restrict access to your nonpublic personal information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes.
We may choose to modify this policy at any time. Customers will be notified at least annually of any modifications.