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In today’s world,
safeguarding the personal financial information you entrust to us is not only
more important than ever – it is also the right thing to do. So is telling you
about it. The Regions Privacy Pledge is our way of communicating the types of
personal financial information we collect, how we protect the confidentiality
of that information, and how we use it.
Throughout the Regions
family of companies, we are committed to core values of soundness, quality,
and integrity. As we work together to provide the broad range of products and
services you want and need, we also remain focused on doing the right thing.
bold --> You can rest assured that we do not sell customer information or
customer lists to outside marketers.
Information We
Collect
The information we collect
is limited to what we believe is necessary or useful to conduct our business;
to administer your records, accounts and funds; to comply with laws and
regulations; to help us design or improve products and services; and to
understand your financial needs so that we can provide you with quality
products and superior service.
We collect this
information from the following sources:
- Information we
receive from you on applications or other forms, such as your assets, income
and other debt.
- Information about
your transactions and experiences with us, our affiliates or others, such as
your account balance, payment history, parties to transactions and credit
card usage.
- Information we
receive from a consumer report, such as information regarding your
creditworthiness or credit history.
- Information we
receive through our online services, such as information relating to Web
site navigation, customer contact and optional surveys.
- Information we
receive from public records and market research, such as demographic
information.
- Information we
obtain from outside sources relating to their employment, credit or other
relationships with you, such as a verification of employment history, loan
or credit card balance or insurance coverage.
- Information we have
obtained at your request, such as aggregated information from multiple
financial service providers.
Information We
Share
We do
not share information about our customers or former customers, except as
described in our Privacy Policy.
The law allows us to
share identifying information and information about our transactions and
experiences with you, such as your account balances and payment history. You
may direct us not to share other information that is assembled or used to
determine your eligibility for a product or service, such as that shown on
consumer credit reports and asset and income information from applications.
Sharing With
Companies That Work With Us
In order to conduct
company business, and to offer products or services that may complement your
relationship with us, we may share some or all of the information we collect,
as described above, with the following companies (including our affiliates):
- Companies that
perform services for us or on our behalf, such as vendors we hire to prepare
account statements or to provide support for one or more of our products and
services.
- Companies that
perform marketing services on our behalf or other financial institutions
with which we have joint marketing agreements, such as insurance companies
and credit card issuers.
These companies act on
our behalf, and are contractually obligated to keep the information we provide
them confidential and to use the information only for the purposes authorized.
Sharing in Other Situations
We may share some or all
of the information we collect, as described above, as otherwise authorized or
required under applicable law. This includes, for example, disclosures to
credit reporting agencies; disclosures to process and service your requested
or authorized transactions; disclosures in connection with recording deeds of
trust, mortgages and other security instruments in public records; disclosures
in connection with subpoenas or other legal processes; disclosures as part of
fraud investigations; disclosures in connection with audits and examinations;
disclosures in connection with the sale of accounts to another financial
institution; and disclosures pursuant to your authorization or consent.
Protecting
Information About You
We restrict access to
information about you to those employees who need to know that information as
part of their job responsibilities. We also educate our employees about the
importance of confidentiality and customer privacy through standard operating
procedures, special training programs, and our Code of Conduct. We take
appropriate disciplinary measures to enforce employee privacy
responsibilities.
Protecting
Information About Former Customers
Our Privacy Policy
regarding the collection, use and disclosure of information about former
customers is the same as our pledge to current customers.
You Can Limit
Pre-Approved Credit Solicitations.
To request that your name be removed from pre-approved credit solicitations
developed through credit reporting agencies, you can call 1-888-567-8688 or
write to the agencies listed below. Include your name, address and Social
Security number.
Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521
Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123
TransUnion LLC
Name Removal Option
PO Box 97328
Jackson, MS 39288-7328
Keeping Up to
Date With our Privacy Policy
The Privacy Policy
is subject to change. You can always review the current Privacy Policy on our Web site at
www.PeakFinancialCorp.com.
Miscellaneous
Information
The Privacy Policy applies to individuals who obtain or have obtained from us a financial product
or service that is used primarily for personal, family or household purposes.
The laws of some states may impose separate or additional requirements before
particular types of information about customers in those states can be
disclosed. The Privacy Policy is provided in compliance with
applicable law and replaces all other notices, statements or agreements with
respect to the same subject matter.
www.PeakFinancialCorp.com
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