We take seriously our responsibilities to respect the confidentiality and security of nonpublic personal information - called "Consumer Information" in this notice. Our policy calls for safeguards to protect Consumer Information from unauthorized access, alteration and destruction. For example, our policies authorize access to Consumer Information only by those who need access to do their work. The same holds true for our affiliated companies, which are companies that, now or in the future, we own (or control), or are owned (or controlled) by, or are under common ownership (or control) with. We also may maintain, as required by applicable federal regulations, physical, electronic, and procedural safeguards to guard your nonpublic personal information.
We collect and use information about you from various sources. The amount and nature of the information collected and used varies from transaction to transaction, but the information can include the information described in the following five types: 1. Information from you. Information you provide to us on applications, other forms, and by other means, such as your name, address, social security number, assets, income, and debt; 2. Information from our experience and our affiliated companies' experiences. Information about your transactions and account experience with us or our affiliated companies, such as parties to transactions, contract or lease balances, payment history, and communications and correspondence; 3. Information from the experience of other parties. Information from outside sources regarding their employment, credit or other relationships, account experience, or transactions with you, or verifying representations made by you, such as your 4. Employment history, credit balances, or your property or liability insurance coverage. Information from credit reports. Information supplied by consumer reporting agencies, such as information regarding your creditworthiness or credit history; 5. Other general information. Other general information we obtain about you (such as demographic information) that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other products or services.
We may disclose to our affiliated companies all of the information we collect about you as described in each of the five categories above. Our affiliated companies can be financial service providers such as leasing companies, insurance companies and payment processing companies and nonfinancial companies such as automotive repair facilities and data processing companies. This sharing permits us to give you superior service, make a wider range of products available, and operate our business more effectively. We do not share information with nonaffiliated third parties, other than describe below under "Sharing Information for Legal and Routine Business Reasons and for Joint Marketing. Where they apply, we observe limits and restrictions set by law as to sharing certain kinds of information with our affiliates. For example, unless you authorize the sharing, we do not disclosure creditworthiness information about you from credit reports.