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| PRIVACY POLICY |
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Your privacy is a priority.
We are committed to provide products, services and offers of value to you and
your family. We may use information from our interactions with you and other
customers, and, from other parties, to help us achieve that goal. We believe
that the basis of each customer relationship is trust. Because you trust us
with your personal information, we are committed to respect your privacy and
safeguard that information. In order to preserve that trust, we pledge to
protect your privacy by adhering to practices intended to ensure that your
personal information is handled in a safe, secure and responsible manner.
Why We Collect Your Information
We gather information about you and your account so we can (a) deliver products
and services to meet your needs, (b) know who you are and thereby prevent
unauthorized access to your information, (c) design and improve the products we
offer, (d) replace a lost card, certificate number, PIN or to provide some
other form of assistance, and (e) comply with laws and regulations that govern
us.
Confidentiality and Security
We restrict access to non-public personal information about you to those
employees who need to know that information to complete transactions or to
provide products and services to you. We maintain physical, electronic and
procedural safeguards to protect your information.
What Information We Collect
We may collect the following types of “non-public” personal information about
you:
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Information we receive from you on applications or other forms;
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Information about your transactions with non-affiliated third parties;
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We may collect information such as credit score and credit history from a
credit- reporting agency if applicable.
What Information We Disclose
We collect, use and share information about you so that we can provided the
highest level of service to you for the products you use. We require companies
to which we disclose nonpublic personal information about you to maintain its
confidentiality. We may share information we collect to our affiliates (i.e.
companies related to us by common control or ownership) that offer financial
services or additional products and services. In addition, we may disclose
information we collect to companies, both affiliates and non-affiliates that
perform marketing or other services on our behalf or to other companies with
which we have joint marketing arrangements. We are also permitted under law to
disclose non-public personal information about you to affiliates and
“non-affiliated third parties” in certain circumstances. For example, we may
disclose non-public personal information about you to companies that assist us
in servicing your account.
In certain circumstances, in order to comply with government requirements or
court orders, we are required to disclose information about you or your
transactions. We will do this only when required by law, regulation or court
order. We share only the information required
How to Limit Solicitations
From time to time, we or our affiliates or partners may call or write to tell
you about products or services that we think may be of interest to you. You may
tell us not to market products or services to you through telemarketing or
direct mail marketing and not to provide your information to our affiliates or
partners for marketing purposes by submitting a “no solicitation” request. You
may, however, continue to receive promotional information in account related
notices or other business purpose communications, including electronic
announcements.
It is Your Choice---Here’s How
If you choose not to receive direct mail or telephone solicitations, please
write to us at:
1stCreditImprove
Customer Service Dept.
P.O. Box 11531
Houston, TX 77391
Please request that we do not solicit your through, or, provide information
about you to financial partners for telemarketing, electronic or direct mail
marketing. Please include your name, address and phone number.
Protecting Your Information On the Internet
We are committed to protecting your privacy online. Our privacy policy applies
in its entirety to your Internet and PC transactions.
Closed or Inactive Accounts
We will continue to adhere to the privacy policies and practices described in
this notice even after your account is closed or becomes inactive.
To Change Your Choice
If you would like to change a previous decision to limit direct marketing or
sharing of nonpublic personal information, please write to us at the address
given above.
Additional Rights and Modifications
You may have other privacy protections under state laws, and we will comply
with applicable state laws when we share information about you. We may amend
this privacy notice at any time, and, we will inform you of changes as required
by law.
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