Privacy Policy

We value the trust you have placed in us... and we intend to continue to earn your trust each day. That's why we welcome this opportunity to describe our privacy policies and the steps we take to protect your customer information. In this disclosure, you’ll find details about our privacy policies and procedures, as well as the opportunity to choose how information about you may be shared. We want you to make an educated choice, so please read this disclosure carefully to understand the options available to you.

In this disclosure, "we", "us" and "our" refers to your lender. Refer to the Creditor section of your Truth-in-Lending disclosure to determine your lender.

You have choices regarding how information about you may be shared.

If you would like to opt out of information sharing with outside financial companies and/or within our affiliated companies, your preferences will be honored, and will apply to all accounts. If you choose to opt out of information sharing, please call the toll free number that appears at the end of this disclosure.

  • We collect and maintain customer information as part of servicing your account and administering your customer relationship.
  • The customer information we collect is used to service your accounts and help you achieve your financial goals.
  • We share information with nonaffiliated third parties when they are acting on our behalf, or acting jointly with us.
  • We share information with our affiliated companies so that our affiliates can work together to meet your financial needs.
  • We are committed to protecting customer information.

We collect and maintain customer information as part of servicing your account and administering your customer relationship.

In the course of serving you, we collect information about you from a variety of sources, such as:

  • Information you provide to us on applications or forms, such as your income and accounts with others;
  • Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; or
  • Information about your transactions or experiences with our affiliated companies.

The customer information we collect is used to service your accounts and help you achieve your financial goals.

We may disclose all of the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf or are acting jointly with us, including:

  • Non-financial companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers, or companies that help us market our own products to you.
  • Financial institutions such as insurance companies or lenders that are acting under joint programs with us, and provide financial services that are different than those we provide to you. If you prefer not to receive information about special offers from these companies, you may opt out by instructing us not to share customer information for this purpose.
  • Others as permitted or required by law such as credit bureaus, government entities, in responding to subpoenas and other legal processes, and those with whom you have requested us to share information.

It is important to note that we do not share customer information with companies that market non-financial products.

We share information with our affiliated companies so that our affiliates can work together to meet your financial needs.

We may disclose all of the information we collect, as described above, with our affiliated banks and companies, including:

  • Our administrative and service units that, for example, service your accounts or prepare your account statements.
  • Affiliated companies that provide financial and other services, such as consumer bankers, mortgage lenders, consumer lenders, securities broker-dealers, insurance agencies, and real estate brokerage companies. By law, information that helps us identify you or is derived from your transactions and experiences with us may be shared with our affiliated companies. However, you can instruct us not to share any other personal financial information about you for marketing purposes.

Trust accounts, for which we or our affiliates are the trustee, are protected under special rules of confidentiality, and trust account information is not shared for marketing purposes without specific consent.

We are committed to protecting customer information.

We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:

  • We limit employee access to customer information to those who need to know this information in order to service customer relationships.
  • We maintain policies and procedures covering the proper physical security of workplaces and records.
  • Our physical, electronic, and procedural safeguards comply with federal standards regarding the protection of customer information.
  • We require independent contractors and outside companies who work with us to adhere to our strict privacy standards.
  • We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.

If you have already provided an opt out choice to us, you do not need to opt out again, unless you decide to change your preferences.

The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.