At Econ-O-Check Corporation, we recognize and respect the privacy and security
expectations of our customers. As our customer, you have entrusted
us to protect your privacy and to safeguard your personal financial information.
We take this responsibility seriously and have taken steps to ensure your
continued confidence in our organization.
This Privacy Statement describes how we collect and use your personal information
and how we maintain the confidentiality and accuracy of such information.
This disclosure also explains how you can verify the accuracy of information
regarding your relationship with us. In this Privacy Statement, the
terms "we," "us" and "our" refer to Econ-O-Check Corporation; the terms
"you" and "your" refer to each person who is a policyholder of an insurance
product obtained through us. This disclosure applies to our former
customers as well as to our existing customers.
Nonpublic Personal Information.
This Privacy Statement relates primarily to our use of nonpublic personal
information. Nonpublic personal information means financial information
that relates specifically to you and that is not available from a public
source (such as government records, phone books, or widely distributed media).
For example, the fact that you are a holder of a policy of insurance obtained
through us is nonpublic personal information. Nonpublic personal information
also includes any list, description, or other grouping of customers that
is created using nonpublic information.
How We Obtain Personal Customer
Information and What We Collect. We collect nonpublic
personal information about you from the following sources:
Information we receive
from you on applications or other forms, such as your name, address, bank
account number, and age.
Information about your
transactions with us or others, such as your name, address, telephone
number, insurance coverage, transaction history, and insurance premiums.
How We Use
Your Personal Information.
We disclose your personal information only for our
legitimate business purposes and in compliance with all applicable laws
and regulations. The following
summarizes the principal ways in which we disclose your personal information:
Nonaffiliated Third Parties.
We may disclose information about you, including
nonpublic personal information, to nonaffiliated third parties as described
below. ("Nonaffiliated third
parties" are companies that do not control Econ-O-Check and that are not
controlled by or under common control with us.)
We are permitted by law to disclose this information:
Disclosure to Service Providers.
may disclose all of the information we collect, as described above, to companies
that provide services for us, such as printing companies.
We require that these service providers maintain the confidentiality
of your information and that they use the information only for the purposes
for which we have provided it.
for Marketing Purposes. We may disclose all of the information
we collect, as described above, to companies that perform marketing services
on our behalf. We also may disclose
all of the information relating to our transactions and experiences with
you to financial institutions with whom we have joint marketing agreements.
"Financial institutions" include banks, savings associations, other
lenders, insurance companies, securities broker-dealers, and other companies
providing financial products or services.
Whenever we disclose your information to another company, whether
for marketing on our behalf or under joint marketing arrangements with other
financial institutions, we require that these companies and financial institutions
maintain the confidentiality of your information and that they use the information
only for the purposes for which we have provided it.
may use all of the information we collect, as described above, to satisfy
legal requirements. We also
will share your nonpublic personal information with government agencies
and legitimate investigators as required or allowed by law, including
in order to comply with applicable government reporting or legal process
(such as court orders, subpoenas, or government requests) which we reasonably
believe to be valid or required.
We may disclose the information that we collect,
as described above, with any person when you have provided your written
consent for us to do so, including
when you give someone a power of attorney or other authorization to act
on your behalf.
may disclose information about your
insurance policy obtained through us, and your transactions or
payments with respect to such policies,
to persons who jointly hold such policies with you.
Your Request for Information in Connection with
Recorded Personal Information.
If you wish to receive
this personal information, you will need to make a written request to us.
We will provide you a copy or access to any personal information
we have on file and any records we may have indicating the parties to whom
we have disclosed such information in the past two years.
You may also make a request to amend, correct
or delete the personal information we have in your file.
If we disagree with your request to amend, correct or delete your
personal information in our files we will inform you of our decision and
we shall file your statement of disputed personal information in our files
where it will be viewed by those who review your file in the future or those
to whom we disclose your personal information in the future.
If we make the requested amendments, corrections or deletions, we
will, at your request, inform any person who may have received the personal
information in the last two years of the amendments, corrections or deletions.
Protecting the Security
of Your Information.
privacy is considered in all aspects of our business.
We have established policies and guidelines to ensure that the highest
level of protection is maintained.
We constantly update these policies to meet changing federal regulations
and the latest in Internet security standards, and we update and test our
computers, hardware, software and other technology to assure the integrity
and security of our systems.
We also limit access of our employees to personally identifiable information
about you to those employees who have a specific business reason to know
Accuracy of Customer Information.
We believe that it is important
to maintain the accuracy of all of your information with us.
We have systems designed to ensure this accuracy and to correct any
information that we learn to be inaccurate.
If you believe that we have any inaccurate information concerning
you, please contact us at (800) 832-6858 and we will take appropriate action
to verify the information and to correct it as appropriate.