It may include personal financial information, such as credit history, which we collect only with your prior authorization.

We do not share our customers’ personal information with unaffiliated third parties for purposes unrelated to processing applications, or activating service. Nor do we sell our customers’ personal information. For those reasons we do not have an opt-out provision in our Privacy Policy.

Information We May Collect and From Whom
We collect personal information about you to offer you telecommunications products and services, and to support our normal business practices. The type of information we collect and the extent to which it is used varies depending on the products or services you purchase from us.

We may obtain personal information about you from applications and other forms you submit to us, from your transactions and dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites, other companies.

For example:

• We may obtain information such as your name, address, telephone number, social security number, taxpayer identification number, assets, income, and other forms you submit to us.
• We may obtain information such as credit worthiness or credit history from consumer reporting agencies.
• We may obtain information based on your use of our Web sites such as the name of your Internet Service Provider (ISP), your Internet Protocol (IP) address, your computer’s operating system and Web browser, and your use of the information, products, and services offered via our Web sites.

If you believe that any of this information about you is inaccurate, you may notify us in writing of any corrections, amendments, or deletions that you believe should be made. We will promptly investigate your request, determine if it is appropriate to make any change and respond accordingly.

Information We May Disclose
In the course of conducting our business there are circumstances in which we may disclose to other parties the information we collect about you, as described above. These disclosures are only made as permitted or required by law, such as disclosures to affiliates, credit agencies, and organizations that perform services or functions on our behalf or to serve you and to regulatory, law enforcement and governmental authorities.

For example, as permitted or required by law, we may disclose all of the information we collect, as described above, to companies or organizations that perform marketing or administrative services for us or to other financial institutions (such as banks, etc.) with which we have joint marketing agreements.

When information is disclosed to a third party to perform services or functions on our behalf, we expect them to adhere to procedures and practices that maintain the confidentiality of your personal information, to use the information only for the limited purpose for which it was shared, and to abide by all applicable privacy laws.

Confidentiality and Security
We restrict access to 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 to protect your information.

Further Information
We may change our privacy policy at any time. As long as you remain a customer, we will notify you of any modifications as required by law. Should your relationship with us end, we will continue to limit disclosures of your information in accordance with our stated privacy policy.