Privacy Policy

Privacy Policies and Practices Under the GLBA 

Understanding Your Rights and Our Commitment to Protect Your Personal Information 

Purpose of This Notice

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information with nonaffiliated third parties unless the institution provides you with a notice of its privacy policies and practices. This includes the type of information collected about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which outlines the privacy policies and practices of this agency.

The GLBA also requires that we inform you of your right to prevent us from sharing nonpublic personal information with nonaffiliated third parties for any purpose not specifically authorized by law. This is known as your right to "opt-out" of such information sharing.

Our Privacy Policies and Practices

Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.

• Information about your transactions with us, our affiliates, or others.

• Information we receive from a consumer reporting agency.

Unless specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

Information We May Disclose to Third Parties

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Nonaffiliated Third Parties to Whom Disclosures May Be Made

We disclose nonpublic personal information about you only to nonaffiliated third parties as permitted by law.

Our Practices Regarding Information Confidentiality and Security

We restrict access to nonpublic personal information about you to those 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.

Our Policy Regarding Dispute Resolution

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the Right to Disclose Information in Unforeseen Circumstances

In connection with the potential sale or transfer of its interest, this agency and its affiliates reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state, and country of residency, and other information that you provide through other communications) to a third-party entity that:

1. Concentrates its business in a similar practice or service.

2. Agrees to be this agency's successor in interest with regard to the maintenance and protection of the information collected.

3. Agrees to the obligations of this privacy statement.