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Member Options, LLC. is committed to making available financial products
and services that will enable you to meet your financial needs and
reach your financial goals. Protecting your personal information
and using it in a manner consistent with your expectations is a high
priority for everyone associated with Member Options. We are required
by law to give you this privacy notice to explain how we collect,
use, and safeguard your personal financial information. If you have
any questions, please contact a service representative at (888) 578-4747.
Information that We Collect About
You
We collect nonpublic information about you from the following sources:
- Information we receive from you on loan applications and other
forms;
- Information about your transactions with us, our affiliates,
or others;
- Information we receive from a consumer reporting agency;
- Information obtained when verifying the information you provide
on an application or other forms, such as from your current or
past employers or from other institutions where you conduct financial
transactions.
We have policies in place to protect
the confidentiality of the information that is disclosed, as described
below under “How We Protect Your Information.”
Information that We
Disclose About You
We may disclose the following nonpublic information about you:
- Your name, address, social security number, and
income as obtained from loan applications and other
forms;
- Your account balances, payment history, parties
to transactions, and credit card usage as obtained
from your transactions with us, our affiliates, or
others;
- Your earnings and length of employment as obtained
from your current or past employers;
- Your account balances and payment history as obtained
from other institutions where you conduct financial
transactions.
Parties to Whom We
Disclose the Information
We may disclose all of the information we collect as described above
under “Information that We Collect and Disclose About You” to:
- nonaffiliated third parties as permitted by law.
These disclosures generally include information to
process transactions on your behalf, such as mortgage
loan services; information that is disclosed with
your consent, or disclosures necessary to protect
the security of our financial records;
- our affiliated third party financial service providers,
such as titling and settlement services;
- companies that perform marketing services on behalf
of Member Options or to other financial institutions
with whom we have joint marketing agreements.
We may also disclose information
about you under other circumstances as permitted or
required by law.
Disclosure
of Information About Former Customers
It is generally unnecessary for us to disclose information about former
customers or others that have a relationship with us. However, to the
extent we do disclose information, we will adhere to the same policies
as described elsewhere in this notice.
How We Protect
Your Information
We restrict access to information about you to only those employees who
need to know that information to provide products and services to you.
Our employees are trained in the importance of maintaining confidentiality
and privacy. We maintain physical, electronic, and procedural safeguards
that comply with federal regulations and leading industry practices to
safeguard your personal information.
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