When you provide your personal information to us in order to process your transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential. We respect your right to confidentiality and take every possible measure to ensure that your personal information remains confidential.

Your Privacy Is Protected With Us
We will never sell or give away any of your personal information to any other company or affiliate.

Types of Nonpublic Personal Information We Collect
The only nonpublic personal information we collect is provided to us by you or obtained with your authorization. We collect nonpublic personal information about you from the following sources: Information we receive from you on your application or other forms such as: your name, address, age, gender, marital status, social security number, income, employment information, assets, debts and income; information we receive from consumer-reporting agencies, such as: your credit worthiness, financial circumstances and credit history.

Parties to Whom We Disclose Information
We do not disclose any nonpublic personal information obtained in the course of our practice except as required or permitted by law. Permitted disclosures may include providing information to our employees, or, in limited situations, to unrelated third parties who need that information to assist us in serving you. In all situations, we stress the confidential nature of the information being shared.

Protecting the Confidentiality and Security of Clients' Information
We retain records relating to our professional services to better serve your needs and, in some cases, to comply with professional guidelines. We will internally safeguard your nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to your information to service your account. We have policies and procedures to protect your information. All employees undergo orientation and communications programs to ensure that your information is protected. Employees are expected to comply with our policies. In order to protect your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with our professional standards. We restrict access to your nonpublic personal information to persons with a legitimate business need to know information. We require third parties doing business with us to comply with all privacy and security laws.

Internet

Our Web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in your e-mail. When you communicate with us via e-mail, we will use your e-mail information in confidence and only for the specific purpose of responding to your comments or questions.

Changes in Policy

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Links to Other Websites

This Website may contain links to other sites. We are not responsible for the privacy practices of any such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.

You Agree That:
The information we hold about you can be held on our computer files and/or paper files. Any information that you give us, may be disclosed to selected third parties for the purposes of processing your application and/or return. We may use the information that we hold about you to contact you from time to time by mail, fax, e-mail or telephone to bring to your attention additional products or services which may be of benefit to you. We agree that any consent given by you, may be withdrawn by you at any time by contacting us in writing. You have the right, at any time, to contact us and ask for a copy of the information that we hold about you.