We take seriously our responsibility 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:
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 described 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.
We may disclose any of the above five types of Consumer Information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording motor vehicle registration and other documents in public records, an audit or examination, or the sale of your account to another financial institution. We may also share any of the above five types of Consumer Information outside of our affiliated companies if we have your consent, such as when you've requested to be contacted by other companies we work with.
We may also share all five types of Consumer Information above with companies that work for us, possibly including some of our own affiliated companies, to perform services for us or functions on our behalf. These companies may include financial service providers such as banks, finance companies, insurance companies and payment processing companies, and nonfinancial companies such as automobile manufacturers and data processing companies, and other organizations, such as nonprofit organizations that might provide educational, training, or certification services to businesses such as ours. We may share any of the five types of Consumer Information above with companies that work for us to provide marketing and other services or with financial institutions with whom we have joint marketing agreements, such as banks or financing divisions of motor vehicle manufactures. These companies act on our behalf and, within the time required by law, will be required by our policy to be contractually obligated to keep the information that we provide to them confidential and to use the information only to provide the services we've asked them to perform for you or us.