Personal information may include your name, email address, age, home address, phone number, marital status, income, credit history, medical information, education, employment information, and social security numbers.

We are committed to providing our customers, consumers, and members (“you,” “your,” or “yours”) with exceptional service. Providing exceptional service may involve the collection, use, and, in some cases, disclosure of your personal information. Protecting your personal information is one of our top priorities. While we have always respected your privacy and protected all personal information, we have strengthened our commitment in this regard. This means continuing to provide you with exceptional service and complying with all laws regarding the collection, use, and disclosure of personal information. We will inform you of the reasons for and the manner in which personal information is collected, used, and disclosed; we will obtain your consent, if necessary; and we will process personal information in accordance with applicable laws. Our commitment to privacy is to ensure the accuracy, confidentiality, and security of your personal information and to allow you to request access to and correction of your personal information.

This page explains our policies regarding the collection, use, and disclosure of personal information when you use our service.

We will not use or share your information with anyone, except as described in this privacy policy.

We will collect only the personal information necessary to achieve the following objectives:

• To verify identity;
• To identify your preferences;
• To open and manage an account;
• To ensure that you receive high-quality service;
• To comply with regulatory requirements;
• Other legal grounds applicable to the goods and services requested.

We will obtain your consent before collecting, using, or disclosing personal information. In certain cases, we may do so without your consent (see below). You may give your consent verbally, in writing, electronically, or through an authorized representative.

You provide implied consent when our purpose for collecting, using, or disclosing your personal information would be considered obvious or reasonable under the circumstances. Consent may also be implied when you have been notified and given the opportunity to opt out of having your personal information used for direct mail, marketing, or fundraising, and you do not opt out.

We may collect, use, or disclose personal information without your consent:

• When permitted or required by law;
• In the event of an emergency that threatens an individual’s life, health, or personal safety;
• When personal information is available from a public source;
• When we need legal advice from a lawyer;
• For the purpose of debt collection or fraud prevention;
• For other legally established reasons.

We will not sell your personal information to third parties unless consent has been provided or is implied. We retain your personal information for as long as necessary to fulfill the identified purposes or to meet a legal or business purpose. We will make reasonable efforts to ensure that your personal information is accurate and complete. You may request that your personal information be corrected to ensure its accuracy and completeness. A request must be made in writing and provide sufficient details to identify your personal information and the requested correction.

We are committed to ensuring the security of your personal information and may use passwords, encryption, firewalls, restricted employee access, or other methods, at our discretion. We will use appropriate security measures when destroying your personal information, such as shredding documents or deleting electronically stored information, at our discretion.