Privacy PolicyAt Alternative Loan Machine, respecting the privacy and security of your personal information is important to us. We urge you to read our full privacy policy carefully, and make note of your rights under this policy. By sharing our Privacy Principles, we trust that our individual clients will better understand how we keep client information private and secure while using it to provide services and products. Other privacy principles or policies may apply to clients of certain Alternative Loan Machine businesses in certain jurisdictions. Cookies and BrowsersThis site uses a feature of your browser called a "cookie" to assign a "User I.D." Cookies, by themselves, cannot be used to find out the identity of any user. Your Alternative Loan Machine Client ID automatically identifies your computer-but not you-to our servers when you visit Alternative Loan Machine Web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site. Safeguarding Customer InformationWe only grant access to nonpublic personal information about you (such as your name, address, Social Security number and credit history) to company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business. Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information. Collection of InformationWe collect nonpublic personal information about you from the following sources:
Uses of Shared InformationWe may share all the information that we collect, as described above, for the following purposes:
We protect client information.We take our responsibility to protect the privacy and confidentiality of any client information very seriously. We maintain physical, electronic and procedural safeguards that comply with applicable legal standards to store and secure client information from unauthorized access and use, alteration and destruction. Our own policies and procedures have been developed to protect the confidentiality of client information and to help achieve compliance with relevant rules and regulations. We hold our employees accountable for complying with those policies, procedures, rules and regulations. Information Sharing Among Our Family of Affiliated CompaniesUnder the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information." Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information-that is, information other than transaction and experience information-is referred to in this Privacy Policy as "other information." You have the right to ensure that other information is not shared among our affiliates. If you prefer that we not share other information among our affiliates, you may opt-out of those disclosures by following the steps in the "Your Opt-Out Choices" section. Once we receive your opt-out request, we will stop sharing this information as soon as reasonably practicable. Your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request. Information Sharing with Nonaffiliated Third Parties as Permitted by LawWe are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements. For example, we may share information with financial services providers with which we offer products such as credit cards or accelerated loan payment programs. We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us. Please be advised that the opt-out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above. Information Sharing with Other Nonaffiliated Third Parties and Your Opt-Out RightsUnless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:
If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt-out of those disclosures (other than those permitted by law) by following the steps in the "Your Opt-Out Choices" section. We will stop sharing this information as soon as reasonably practicable. Again, your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request. This Privacy Policy applies to Alternative Loan Machine and its affiliates. By using this website, you acknowledge your acceptance of these terms which may be modified at any time without prior notice. It is your responsibility to review the terms regularly and to be aware of the terms listed herein. Online Security TipsWhile Alternative Loan Machine is committed to ensure the highest standard of security on our systems, you as the end-user also play an important role to ensure that you are adequately protected when you use the Internet. The following security best practices are recommended:
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