CONSUMER PRIVACY POLICY fOR PEOPLE SOLUTIONS ACCOUNTS
Thank you for utilizing the People Solutions Account. One of our top priorities is to provide you, our customer, with outstanding products and services. In order to do this, we must collect, maintain and use certain personal and financial information about you and your activities with us. We recognize and respect your privacy concerns and expectations about how we use this information. We want you to know about our privacy policies and practices, and what we do to protect the information you share with us.
This Consumer Privacy Policy applies to both current and former customers. Please read this Consumer Privacy Policy carefully and keep it for your records.
Collection and Use of Customer Information:
We collect, retain and use information about you to operate our business and to make products, services and other opportunities available to you. Much of the information we collect, such as account balances, credit information, and payment history, is of a non-public personal nature. We obtain this information (collectively, Customer Information) about you from a variety of sources. These include:
- Information we receive from you on applications and other forms. This information may include but not be limited to your address, phone number, social security number, and employment (collectively, Personally Identifiable Information);
- Information about your transactions with us, our affiliates or others. This may include information such as your account balances, payment history;
- Information we receive from a consumer-reporting agency. This may include information about your credit history and creditworthiness.
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Disclosure of Information
We will not sell your Customer Information to any outside organizations without your consent. Additionally, we will not disclose your Customer Information to any of our related companies or outside organizations other than as described in this Policy. As described below, we may disclose Customer Information to other third parties, as permitted or required by law.
California Residents Only: Customer Information shared with People Solutions is limited to your name and address, records of purchases you've made using your People Solutions Account and information concerning your Account, in connection with the offering or provision of People Solutions products and/or services.
To Marketing Service Providers and Joint Marketing Partners
We may disclose Customer Information to companies that perform marketing services for us. We also may disclose all Customer Information (1) to companies that perform marketing services for one or more other financial institutions with which we have joint marketing agreements, and (2) to other financial institutions with which we have joint marketing agreements.
California and Vermont Residents Only: We do not disclose your Customer Information to (1) companies that perform marketing services for one or more other financial institutions with which we have joint marketing agreements, or (2) other financial institutions with which we have joint marketing agreements.
To our Affiliates
To the extent we are permitted to do so by applicable law, we may share Customer Information with companies that are related to us by common ownership or control.
California Residents Only: We only share your Customer Information with our affiliates in a manner that is permitted under the California Financial Information Privacy Act. If required by the Act, we will provide you with notice and the right to tell us not to make such disclosures prior to sharing your Customer Information with our affiliates.
Vermont Residents Only: If you are a Vermont resident, we will not share your Customer Information with our affiliates without your express written consent. You do not need to take any action to limit this kind of information sharing.
To Nonaffiliated Third Parties That Offer Financial and Non-Financial Products and/or Services
We may share Customer Information with companies that are not affiliated with us that offer products and/or services we think you'd be interested in. You may tell us not to disclose your Customer Information to them by following the Opt-Out Instructions in the box at the bottom of this policy.
California and Vermont Residents Only: We do not share your Customer Information with nonaffiliated third parties for purposes of their offering products and services to you. You do not need to take any action to limit this kind of information sharing.
To Other Third Parties
We may share your Customer Information with non-affiliated third parties that provide us with business and professional services in connection with your account, including but not limited to collections and invoicing and customer service. We may also share your Customer Information with non-affiliated third parties as otherwise permitted or required by law.
Protection of Information
We maintain physical, electronic and procedural safeguards that comply with federal standards to protect the security and integrity of your Customer Information.
Changes to this Policy: We will notify you of any changes we may make to our Consumer Privacy Policy by mailing a notice to you. If applicable law requires that any notice, including this Consumer Privacy Policy or any revisions to it, be delivered by an alternative method, we will deliver such notices in a manner that complies with such law.
Privacy Policy Effective Date: January 7, 2009
Opt-Out Instructions
If you prefer that we not disclose your Customer Information to anyone, call us at 1-877-872-0180 or write us at: 10633 St. Thomas drive, Philadelphia, PA 19116. Please provide us with your name, address and account number. We cannot process your request without your account number. If your account is a joint account, any joint account holder may opt out on his/her own behalf and on behalf of other joint account holders. |
