Privacy Policy Notice
The basis of each customer relationship at USA Discounters is built on trust. You have chosen to do business with USA Discounters, and we guard that relationship with great care, beginning with the information you have chosen to share with us.
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Overview
Information we collect
Security procedures
Information we disclose
Fair Credit Reporting Act Disclosure
USA Discounters' Pledge
Effective date and changes
USA Discounters companies
Frequently asked questions
OPT-OUT: We will not share your nonpublic personal information with others as defined below. USA Discounters, on your behalf, has exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.
Overview
USA Discounters does not share information about you outside of our USA Discounters companies unless permitted by Title V of the Gramm-Leach-Bliley Act of 1999 and other applicable laws and regulations.
USA Discounters, its family of financial services companies (“affiliates”) and employees, are dedicated to protecting the privacy of your nonpublic personal information. We maintain information about you in order to provide you with the most effective and convenient access to our broad range of financial products and services. We want you to understand what information we collect, and how we use and protect it. This notice serves as a standard for all USA Discounters employees for collection, use, retention and security of nonpublic personal consumer information.
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Information we collect
“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service. Such information includes for example, account balance, income, assets, insurance premiums, payment history and overdraft history.
We may collect nonpublic personal information about you from the following sources:
- Information that you provide to us, such as on applications or other forms
- Information about your transactions with us, our affiliates or others, or
- Information from others, such as credit bureaus, real estate appraisers, and employers
Our security procedures
To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards to guard information.
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Information we disclose
USA Discounters does not disclose nonpublic personal information about you to any companies that are not members of our corporate family (“third parties”), except as permitted by federal law, specifically Title V of the Gramm-Leach-Bliley Act of 1999. The confidentiality of your nonpublic personal information will continue to be maintained consistent with this privacy notice even if you decide to close your account(s), your account becomes inactive, or when you otherwise cease to do business with us.
USA Discounters works with a variety of third parties to bring you financial services. We disclose information about you as necessary to fulfill these third party service agreements. For example, we may disclose information about you to third parties that assist us in servicing or maintaining your account or to third parties to whom we may assign your account. We may also disclose information about you to governmental entities, such as sending annual income statements to the IRS, and to other third parties such as credit bureaus, or in response to subpoenas.
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Fair Credit Reporting Act Disclosure*
We share information about you with our affiliates. Under the Fair Credit Reporting Act you may direct us not to share certain credit information with our affiliates. Examples of the kind of credit information that you may direct us not to share include the nonpublic personal information you provide in your application or that we obtain about you from nonaffiliated third parties such as credit bureaus. If you don’t want such information shared you may write to us at USA Discounters, Attention: General Counsel, P.O. Box 8008, Virginia Beach, VA 23450-8008. Please provide your name, address, social security number and account number(s).
(NOTE: If you have previously requested that we restrict such sharing you do not need to make another request.)
Your request not to share credit information does not include information we are permitted to share by law, such as information related solely to our experiences or transactions with you. Your account balance and payment history are examples of transaction and experience information that we are always permitted to share with our affiliates.
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USA Discounters' Pledge to You
We believe that your privacy should never be compromised. At the same time, we want to offer you the array of products and services you need to accomplish your goals. We believe we can do both by adhering to the provisions of this privacy notice.
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Effective date and changes
The effective date of this Privacy Notice is provided below. Any updates or changes to the Notice will be posted on this web site. Consumers who are USA Discounters customers will be notified of updates and changes in accordance with federal law.
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USA Discounters companies/affiliates
USA Discounters Credit Corporation, USA Discounters, Ltd.
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Frequently Asked Questions
USA Discounters is dedicated to protecting the privacy of your nonpublic personal information. Federal law establishes rules for sharing customer information. It requires financial institutions to deliver a privacy notice explaining the institutions privacy policy and practices to new customers and annually thereafter. We believe that your privacy should never be compromised. USA Discounters’ privacy notice describes how we collect and use your nonpublic personal information. It will help you understand the careful attention we devote to handling and protecting your nonpublic personal information.
Here are frequently asked questions about privacy to help you understand USA Discounters’ position on this important issue.
FAQ Questions
1. Does the USA Discounters Privacy Notice cover all my USA Discounters accounts?
2. Does USA Discounters’ Privacy Notice apply to businesses?
3. Do you sell information about me to other companies?
4. When does USA Discounters share nonpublic information about me with third parties?
5. What is third party opt-out and why do some financial institutions offer this opt-out to their customers when USA Discounters does not offer it?
6. How can I prevent information about me from being shared with other USA Discounters companies?
7. Does the Privacy Notice apply to internet usage also?
8. What if I believe that the personal or financial information that USA Discounters keeps on me is incorrect?
9. What is “nonpublic personal information?
FAQ Answers
1. Does the
USA Discounters Privacy Notice cover all my USA Discounters accounts?
Yes, however, you may receive more than one copy of the notice from USA Discounters if you have several accounts or do business with more than one USA Discounters company. This helps us to ensure that all customers receive it.
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2. Does
USA Discounters’ Privacy Notice apply to businesses?
No. The privacy notice applies to individual customers who obtain products and services for personal, family or household purposes. It does not apply to business customers, including Sole Proprietors when the purpose is business related.
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3. Do you
sell information about me to other companies?
No. We will not sell information about you. We honor the trust that you have placed in USA Discounters to keep information about you confidential.
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4. When does
USA Discounters share nonpublic information about me with third parties?
We limit the ways that we share information to the purposes permitted by law. These permissible information sharing exceptions fall into two categories:
* Processing and Servicing Transactions: Information is shared, as necessary, to service and process financial products and services that are requested by you, such as wire transfers or loan applications. Information is also shared in connection with maintaining and servicing your accounts, such as statement preparation, complaint resolution, or debt collection. Information may also be shared with any assignee of your account.
* Other Lawful or Required Purposes: This category includes a variety of permissible sharing situations, such as when you request or consent to have information shared, or when we share information with our auditors, attorneys or accountants, government regulators, in response to subpoenas, and other circumstances where sharing information is permitted or required by law.
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5. What is
third party opt-out and why do some financial institutions offer this opt-out to their customers when USA Discounters does not offer it?
Did you notice the box checked at the top of our privacy notice? USA Discounters believes your privacy is so important that we have effectively opted out for you. You may receive notices from other financial institutions with whom you do business that include a third party information sharing opt-out provision. USA Discounters is not required to provide you with a third party information sharing opt-out choice because we already restrict our information sharing practices to those allowed by law and discussed above in question five. In other words, our sharing practices are more conservative than those of institutions that must provide their customers with third party opt-out.
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6. How can
I prevent information about me from being shared with other USA Discounters companies?
This is discussed in the Fair Credit Reporting Act Disclosure included in our Privacy Notice. You can limit some information shared with other USA Discounters companies. You can direct us not to share information about you that we obtained from your credit application or third party sources, such as information provided by credit bureaus. Refer to our Privacy Notice for instructions about how to contact us to restrict information sharing with other USA Discounters companies. We respect and will honor your preference. When you direct us not to share this type of information, we are still permitted to share information based on our transactions and experiences with you. Note: If you have previously requested that we restrict such sharing, you do not need to make another request.
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7. Does the Privacy
Notice apply to internet usage also?
Yes. USA Discounters’ Privacy Notice applies in its entirety to Internet and PC transactions.
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8. What if
I believe that the personal or financial information that USA Discounters keeps on me is incorrect?
Please contact your USA Discounters customer service representative, office or store if any of your information is incorrect or if any information changes, such as your name or address. USA Discounters will research your concern and make any necessary corrections.
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9. What is “nonpublic personal information”?
“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service. For example, this might include information such as account balances, income, assets, and insurance premiums. Generally speaking, nonpublic personal information is information that is not available in public records.
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