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JCF Lending
Group and its affiliates, are committed to providing the
highest level of security and privacy regarding the collection and
use of our user's personal information, as well as that of all
visitors to our Web site. Personal information may be collected
through the submission of registration information, bid submission
and through online communications. We recognize the importance of
respecting the privacy of our users and we hope that the following
privacy statement will help you understand how JCF collects, uses
and safeguards the personal information you provide to us on our
Web site.
We are required by law to give
you this privacy notice. It describes our policies and practices
that protect your privacy and enable us to share information to
provide you with competitive financial products and services. If
you have any questions after reading it, please contact us at
(866) 967-0143.
What follows is a description of
the information we collect and disclose, including the parties who
receive non-public information from us.
Information We Collect
About You
We collect information about you from the following sources:
- Information we receive from you on applications
and other forms;
Information obtained when verifying the information you provide on
an application or other form (this may be obtained from, but is not
restricted to, your current or past employers, or from other
institutions where you have conducted financial transactions);
- Information about your transactions with us, or
others including those companies that work closely with us to
provide you with diverse financial products and services;
Information we receive from a credit report agency and;
- Information we may obtain from consumer
purchasing and census data providers to develop competitive
marketing programs for our customers.
Disclosure of Information to Parties
that Provide Services to Us
We may disclose information we collect, as provided by state and/or
federal law and as described above, to companies that perform
marketing or other services on our behalf or to other financial
institutions with whom we have joint marketing agreements, so that
we may provide customers competitive products and services. We may
also disclose non-public personal information about you under
circumstances as permitted or required by state and/or federal law.
These disclosures typically include information to process
transactions on your behalf, conduct the operations of JCF, follow
your instructions as you authorize or protect the security of
financial records.
Disclosure of Information About Former
Customers
If you decide to terminate your relationship with JCF, we will not
share information we have collected about you, except as may be
required by state and/or federal law and will remove any
information from our files within a reasonable period of
time.
How to Opt Out or Stop Certain Disclosures About
You
At this time, we do not intend to disclose non-public personal
information other than as noted above. If in the future, JCF
intends to disclose non-public information other than the above,
JCF will provide an additional notice, and provide an opportunity
to opt out if applicable. The opt out does not apply to disclosures
that are legally permitted or required or to disclosures that JCF
makes to companies that perform services on our behalf or to other
financial institutions that have joint marketing agreements with
JCF.
How We Protect Your Information
We restrict access to non-public information about you to those
employees who need to know that information to provide products or
services to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your
non-public personal information.
What Customers Can Do to Help
JCF is committed to protecting the privacy of its customers. You
can help by following these simple guidelines:
- Protect your account numbers, card numbers, PINs
(personal identification numbers) and passwords. Never keep your
PIN with your debit or credit card as it can provide access to your
accounts if your card is lost or stolen.
- Use caution when disclosing your account
numbers, social security numbers, etc., to other persons. If
someone calls you, explains the call is on behalf of JCF and asks
for your account number, you should beware. Official JCF staff will
have access to your information and will not need to ask for
it.
- Keep your information current. It is important
that we have current information on how to reach you. If we detect
potentially fraudulent or unauthorized activity or use of your
account, we will attempt to contact your immediately. If your
address or phone number changes, please let us know.
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