Kelada:Privacy policy
From Kelada
PRIVACY POLICY DISCLOSURE
(Protection of the Privacy of Personal Non-Public Information)
Effective August 23, 2007
Our Commitment to Privacy:
Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current & new customers unless we state otherwise.
The Privacy Policy explains the Following:
Protecting the confidentiality of our customer information.
Who is covered by the Privacy Policy?
How we gather information.
The types of information we share, why, and with whom.
Our commitment to data security.
Our commitment to your children’s privacy.
Opting Out – instructions for us not to share or change certain information about you or not to contact you.
Protecting the Confidentiality of Customer Information:
We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.
Who is Covered by the Privacy Policy:
We provide our Privacy Policy to all customers when they conduct business with our company. If we change our privacy policies to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance. This Privacy Policy applies to consumers who are new, current or former customers.
How We Gather Information:
As part of providing you with financial products or services, we may obtain information about you from the following sources:
· Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
· Your transaction with us, our affiliates, or others. This information may include your account balances, payment history, and account usage;
· Consumer reporting agencies. This information may include account information and information about your credit worthiness;
· Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Information We Share:
We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third-parties without your consent, as permitted by law, such as:
· To regulatory authorities and law enforcement officials.
· To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
· To report account activity to credit bureaus.
· To consumer reporting agencies.
· To respond to a subpoena or court order, judicial process or regulatory authorities.
· In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.
We may also provide information about you to our service providers to help us perform marketing services. This information provided to these service providers may include the categories of information described above under "How We Gather Information" limited to only that which we deem appropriate for these service providers to carry out their functions.
We do not provide non-public information about you to any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.
Our Commitment to Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Whenever we collect sensitive information (such as account information or credit card data) that information is encrypted and transmitted to us in a secure way.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Our Commitment to Your Children’s Privacy
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 18, and no part of our website is structured to attract anyone under 18.
Opting Out & Correcting Your Information:
We also may share information about you within our corporate family of office(s). We may share all of the categories of information we gather about you, including identification information (such as your name and address), credit reports (such as your credit history), application information (such as your income or credit references), your account transactions and experiences with us (such as your payment history), and information from other third parties (such as your employment history).
By sharing this information we can better understand your financial needs. We can then send you notification of new products and special promotional offers that you may not otherwise know about. For example, if you originally obtained a mortgage loan with us, we would know that you are a homeowner and may be interested in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a new car.
You may prohibit the sharing of application and third-party credit-related information within our company or any third-party company at any time. If you would like to limit disclosures of personal information about you as described in this notice, just check the appropriate box or boxes to indicate your privacy choices.
£ Please do not share personal information about me with non-affiliated third-parties.
£ Please do not share personal information about me with any of your affiliates except as necessary to effect, administer, process, service or enforce a transaction requested or authorized by myself.
£ Please do not contact me with offers of products or services by mail.
£ Please do not contact me with offers of products or services by telephone.
Note for Joint Accounts: Your Opt Out choices will also apply to other individuals who are joint account holders. If these individuals have separate accounts, your Opt Out will not apply to those separate accounts.
You can access all your personally identifiable information that we collect online and maintain by sending us a written request with two forms of identification and filling out the form below. Please allow for 2 to 10 days to respond to changes. We use this procedure to better safeguard your information. You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.
If you feel that we are not abiding by this privacy policy, you should contact us immediately.
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Name(s)
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Address
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City, State, Zip
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Phone
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Borrower’s Signature Date
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Co-Borrower’s Signature Date
Should you have other questions or concerns about your information or about this privacy policy contact us.
How to Contact Us:
www.Kelada.com joe@kelada.com
Fax this completed form to us with your written request to us at 1.877.417.7797 at your convenience.
Revised August 23, 2007. © 2007 Kelada.com. All rights reserved
