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PRIVACY POLICY

WHAT DOES MACKLOCK NATIONAL CREDIT DO WITH YOUR PERSONAL INFORMATION?
Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

  1. The types of personal information we collect and share include: Your name, address, telephone number(s), email addresses, date of birth, Social Security Number, credit profile, credit account information and your payment information, including your banking and/or credit card information.
  2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons we share your personal information; when we may share your personal information; and whether you can limit this sharing:


Reasons we can share your info Do we share your info? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. We occasionally share your info with necessary parties, such as your creditors or debt collectors or credit reporting services, to provide the products or services you have contracted for. No. In order to receive our services we occasionally must be able to share your information with necessary parties.
For our marketing purposes— to offer our products and Services to you. We occasionally share your info with vendors that assist us in offering various opportunities to you. Yes, you can opt out of receiving any marketing from us for any products other than the products or services you have contracted for.
For our affiliates’ everyday business purposes— information about your transactions, experiences and creditworthiness. We occasionally share your information with affiliated parties to provide the products and services you have contracted for. Yes, you can opt out of any non- essential sharing with affiliated third parties.
For joint marketing with other nonaffiliated financial and non-financial companies. We do not share any information with any nonaffiliated entities.

Definitions:

  • Affiliates: Companies related by common ownership or control. They can be financial and companies.
  • Non-Affiliates Companies not related by common ownership or control. They can be financial and non- financial companies.
  • Joint Marketing: A formal Agreement between non-affiliated financial companies that together financial products or Services to you.

Information for Vermont, California and Nevada Residents:
In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with nonaffiliated third parties, and we limit the information we share with any affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. We do not honor any “Do Not Track” signals that are provided by a user's browsers. However, we do not collect or authorize the collection by any third party of any nonpublic personally identifiable information about an individual consumer's online activities over time and across different Web sites or online services. As stated above, we do not share any personal information with any third parties for any direct marketing uses by those parties, other than on our behalf.

In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address set forth above. Nevada law requires that we also provide you with the following contact information:

Bureau of Consumer Protection, Office of the Nevada Attorney General
555 E. Washington St., Suite 3900, Las Vegas, NV 89101
Phone number: 702-486-3132
E-mail: BCPINFO@ag.state.nv.us

To limit our sharing of information or for ANY Questions: Call us at 1-888-433-4231.
Please note if you are a new customer, we can begin sharing your information after five (5) days from the date we provided this notice to you. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at the telephone number above at any time to limit our sharing.

How does Macklock National Credit protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures, including computer safeguards, encrypted storage of all personal information, data security and data breach protocols and secured files and buildings. All of our employees are trained and monitored on privacy and security protocols, and only those employees whose functions require that they have access to personal information are allowed to have such access. We monitor our offices with cameras, and protect them with monitored alarm systems. We destroy all physical documents after they are no longer required for a business purpose, and we keep any electronic copies of documents in a secure encrypted environment.

How do we collect your personal information?
We collect your personal information from any and all interactions that you have on our websites, our portals, email communications, telephonic communications, mail communications and face-to-face interactions with you.

Why can’t I limit all sharing?
Some sharing of your information is required for us to be able to provide you with the products and services under this Agreement. Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate the delivery of our contracted products and services.

What happens when I limit my sharing for an account I hold jointly with someone else?
We limit sharing for both individuals to ensure protection of your wishes.

Changes to our privacy policy
In the event we change this privacy policy, we will forward an email notification to all clients that have provided us with and maintain a current email address. In addition, we will post any such changes on this page so that you will always be aware of what information we collect, how we use it, and under what circumstances we disclose it.

Your consent
By using this site and/or entering into our Client Agreement, you consent to the collection and use of the information as described in this Privacy Policy.

Privacy Policy Update: February 26, 2016