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| We have been serving
our clients for over 75 years and at Alabama Credit
Corporation (ACC) we are committed to providing you
with quality loans, related financial products and
services backed by prompt and consistently top quality
service. While information about you and your account
with us is fundamental to our ability to do this,
we fully recognize the importance of keeping personal
and account information secure. |
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To offer you our diversified range of loans, products,
and financial services, Alabama Credit Corporation
may share information about you both within ACC and
outside ACC with other companies. This allows us to
offer you financial products and services that may
interest you and best meet your needs, whether they
are directly available from ACC or through our relationships
with other companies. We also want to be in a position
to respond to inquiries by your other creditors about
your credit record with us should you list our company
and account with us as a credit reference and these
companies decisions are based on your record with
us. We want you to understand our information safeguards,
what information we collect, what information we share,
with whom, and the benefits you receive when we share
information. |
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Information Safeguard Procedures
Alabama Credit Corporation understands the importance
of protecting and securing information and using it
appropriately. Access to information about you is
restricted to the employees of ACC who require it
to provide our financial products and services to
you. We maintain physical, electronic, and procedural
safeguards for security of information. We train and
educate our employees about the meaning and requirements
for customer data security and confidentiality.
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We do not sell or share our customer mailing lists
with third parties or other companies for marketing
purposes. When we share information about you with
companies outside of ACC, it is usually because you
have given ACC as a credit reference and/or have an
account with the other company. We require such companies
to properly identify themselves and use the information
only for a permitted or authorized purpose. |
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Information We Collect
Alabama Credit Corporation, as part of our operations,
collects and uses nonpublic personal information about
you to conduct our business and to consistently provide
you with top quality diversified loan products and
related financial services such as insurance policies,
motor clubs, etc., that you have come to expect from
us.
Sources of this information include the following:
. Information we receive from you on applications,
other forms, or through correspondence or communication
with us through mail or telephone, such as your name,
address, telephone number, employer, income, credit
references, and financial position;
. Information about your transactions with us, other
ACC companies, or other third parties, such as your
account balance, payment parties to transactions,
your credit history, or employment/income verification;
. Information from consumer reporting agencies, under
the Fair Credit Reporting Act, public records, data
collection agencies, or demographic and marketing
companies such as your obligations with others, credit
history and creditworthiness, telephone numbers, marketing
profiles, and other demographic data.
Information We Share Within Alabama Credit Corporation
We may share all of the information we collect about
you with our affiliates and subsidiaries to offer
additional products or services that may interest
you and best meet your loan needs. We believe this
is convenient for you and may save both time and money.
To do so, we may share identification information,
transaction and experience information, credit eligibility
information, and other information in our files. The
decision to accept loan offers, services, or related
products is yours alone.
Information We Share With Others
We DO NOT disclose your nonpublic personal information
to direct marketers, retailers of other services,
or non-profit organizations. We may disclose nonpublic
personal "information as described above about our
customers and former customers to the following types
of parties:
. To non-financial companies that perform services
or functions on our behalf such as printers, mail
distribution companies, accounting firms, our attorneys,
or independent contractors such as financial system
companies that provide programs and software;
. To consumer reporting agencies under the Fair Credit
Reporting Act as permitted by law, such as your creditworthiness
and credit history, or to government entities in response
to subpoenas received or regulatory requirements.
. To financial service providers such as insurance
companies or motor clubs with whom we have agency
agreement to provide insurance policies and products
in connection with the loans we extend.
. To other financial service providers such as non-affiliated
consumer finance companies or banks with which you
have an account or where you have made application
and gave ACC as a credit reference.
. To non-affiliated third parties as permitted by
law.
We at Alabama Credit Corporation are dedicated to
serving your financial needs and we appreciate your
business. We look forward to our continuing mutual
relationship and if you have questions or need assistance
at any time, please feel free to contact your local
branch. |
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