Our customer information privacy policy, detailed in this statement, serves as
the standard for all cbloans.com employees in the collection, use, sharing, retention,
and security of individual customer information. Without compromising your privacy,
we also wish to offer you, from time to time, superior financial products and
services that we believe can help you achieve your financial objectives. We believe
we can do this by observing our policy.
Expectation of Privacy
Safekeeping of customer information is a high priority at cbloans.com. We will
continue to maintain the high standards necessary to ensure that your information
is kept private and secure at all times. If you close your account(s) or become
an inactive customer, we will continue to adhere to this privacy policy.
Maintenance of Accuracy
We strive to maintain complete and accurate information about you and your accounts.
Should you believe that our records contain inaccurate or incomplete information
about you, please notify us. We will correct any inaccuracies.
cbloans.com Information Management Practices
Information about customers is accumulated from a variety of sources. You provide
some information. We record other information, such as your account history, and
still other information is obtained from outside sources, such as affiliates and
credit reporting agencies. We limit the collection and use of information about
customers to the data necessary to administer our business, provide superior service
and offer opportunities we believe may benefit our customers. We use customer
information to identify a likely interest in particular products or services.
We use this information only in accordance with our policy.
Limitation of Employee Access
cbloans.com employee access to information about individual customers is limited to those
with a business reason to have such access. Employees are made aware of cbloans.com’s
privacy policy and trained in procedures that maintain confidentiality. Employees
who violate provisions of the privacy policy are subject to disciplinary action.
Information Security Protection
cbloans.com safeguards information about you according to established security
procedures designed to prevent unauthorized access. We continually assess new
information protection technology.
Types of Personal Information Collected
In conducting business at cbloans.com, we collect and maintain various types of
information about our customers, including:
- Identification information (account numbers, Social Security numbers, dates
of birth, and addresses);
- Information regarding your credit worthiness and credit capacity (financial
statements, employment information, credit history, and income and expenses);
- Data we obtain when we verify information in a loan application (such as
open lines of credit or deposit accounts);
- Medical information included in an application for credit insurance;
- Account activity information (loan or deposit balances and transaction histories);
and
cbloans.com may use your personal information as follows:
Within cbloans.com and Affiliated Companies:
- As a security measure, to prevent unauthorized persons from accessing your
accounts.
- To conduct business safely and soundly. We use personal information, for example,
taken from loan applications to manage risk and ensure that we are prudent underwriters.
- In satisfying legal requirements, such as for tax reporting, as required by
state and federal government.
- In determining which products and services may best serve your needs. Some
of these services such as mortgage loan servicing, or products such as credit
cards, may be offered through our affiliates.
- We do not share medical or health information among our family of companies
or with other third parties except to process transactions or to provide services
you have requested.
With Unaffiliated Third Parties:
cbloans.com does not reveal customer account information or provide other personally
identifiable information to unaffiliated companies for their independent use.
We may disclose all of the information we collect, as described in "Types of Personal
Information Collected" to companies that perform marketing services on our behalf
or to other financial institutions with whom we have joint marketing agreements.
Customer Privacy in Third Party Relationships
When we provide customer information to a third party, as permitted by law, we
insist—through a written agreement—that the third party maintain the confidentiality
of that information.
Marketing of cbloans.com's Products and Services
From time to time, cbloans.com may promote its products and services directly
to customers. If you do not want to receive these offers, you may ask cbloans.com
not to include you by following the "opt-out" procedures below.
Ways to Limit cbloans.com's Use or Disclosure of Your Personal Information
We, at cbloans.com, have developed this policy statement because we want you to
understand and trust our commitment to confidentiality and to further understand
how we use personally identifiable information. If you have questions about the
privacy of your information, please call us at the telephone number listed in
the footer of the webpage. We will provide one privacy policy brochure in the
event of joint account relationships. One party may opt-out on behalf of all joint
account holders. Once your request for an "opt-out" has been processed, it will
remain in effect for the life of the account.
Opt-Out Procedures
To instruct cbloans.com not to:
- provide nonpublic personal information about you to unaffiliated companies
offering products and/or services,
- share information from your applications or outside sources among our family
of companies, or
- provide information to you about cbloans.com's products and services,
cbloans.com reserves the right to amend this privacy policy at any time. You will
be given prior notice of any change.
