WHY WE COLLECT AND HOW WE USE INFORMATION: We collect and use information for business purposes with respect to the extension of credit and other business relationships involving you. These business purposes include evaluating a request for the extension of credit, or for doing business with us involving our products or services, administering our products or services and processing transactions requested by you. We may also use the information to offer you other products or services we provide, and to generally evaluate our business relationships with you.
HOW WE COLLECT INFORMATION: We get most information directly from you. The information that you give us when applying for credit or making purchases generally provides the information we need. If we need to verify information or need additional information from third parties such as mercantile commercial credit reporting agencies, (if appropriate) consumer credit reporting agencies and other sources permitted by the Fair Credit Reporting Act. Information collected may relate to your finances, business activities, credit history and other financial characteristics, as well as transactions with us or with others, including our Affiliates.
HOW WE PROTECT INFORMATION: We treat information as a confidential. Our employees are required to protect the confidentiality of information. Employees may access information only when there is an appropriate reason to do so, such as to administer or offer our products or services, including the extension of credit to you. We also maintain physical, electronic and procedural safeguards to protect information; these safeguards comply with applicable laws. Employees are required to comply with our established policies. We maintain the same standard of privacy after the customer’s relationship has ended as we do for current customers.
INFORMATION DISCLOSURE: We may disclose any information when we believe it necessary for the conduct of our business, or where disclosure is required by law. For example, information may be disclosed to others to enable them to provide business services for us, such as helping us to evaluate requests for credit extension by you, performing general administration activities for us and assisting us in processing a transaction requested by you. Information may also be disclosed for auditor research purposes; or to law enforcement and regulatory agencies, for example, to help us prevent fraud. Information may be disclosed to others that are outside of Allied Fire & Security, such as companies that process data for us, companies that provide general administration services for us, commercial credit reporting agencies and (if appropriate) consumer reporting agencies. We may make other disclosures of information as permitted by law. We do not share or make available information we collect to nonaffiliated companies for the purpose of providing you with offers of products and services.
ACCESS TO AND CORRECTION OF INFORMATION: Generally, upon your written request, we will make available information for your review. Information collected in connection with, or anticipation of, any claim or legal proceeding will not be made available. If you notify us that the information is incorrect, we will review it. If we agree, we will correct our records. If you do not agree with our conclusion, you may submit a short statement of dispute, which we will include in any future disclosure of information.
CONSUMER CREDIT INFORMATION: You have the right to prohibit information contained in any file with a credit-reporting agency from being used in any credit or insurance transaction that you did not initiate. To exercise that right, you may write to the following credit bureaus: Experian Credit Marketing, PO Box 919, Allen, TX 75013; Equifax Options, PO Box 740123, Atlanta, GA 30374-0123; and TransUnion Name Removal Opt-Out Request, PO Box 97328, Jackson, MS 39288. This only applies to consumer credit information as defined in the Fair Credit Reporting Act.