The privacy policy applies to consumers who are current or former clients or who register for one of our services or promotional offers.

1. We do not sell your personal information to anyone.
2. We do not disclose personal information to third parties, unless one of the following limited exceptions applies.
   • We disclose personal information to companies that help us process or service your account.
   Outside of these exceptions, we will not share your personal information with third parties unless you have specifically asked us to do so, that is, opted-in
   
   
3. We do collect personal information in the normal course of business in order to administer your accounts and serve you better.
   • Application and registration information. We collect information that you provide to us when your register for one of our services. The information we collect may include name, address, phone number, email address, Social Security number, and information about your interests. We also may collect information from consumer reporting agencies.
   • Website usage. We use software to analyze traffic to this web site. This software does not create individual profiles for visitors. Unlike some tracking services we do not have a database of individual profiles for each visitor. We only collect aggregate data.
4. We protect the confidentiality and security of your personal information.
   • We restrict access to personal information to our employees and agents for business purposes only. All employees are trained and required to safeguard such information.
   • We maintain physical, electronic, and procedural safeguards to guard your personal information.
5. We continue to evaluate our efforts to protect personal information and make every effort to keep your personal informational accurate and up to date.
   • If you identify any inaccuracy in your personal information, or you need to make a change to that information, please contact us so that we may promptly update our records.