We collect nonpublic personal information about our clients on an opt-in basis only, and only from the following sources:

* Information you submit on application or other forms within our web site or through downloadable forms;
* Transactional information with us, our affiliates or others;
* There may be times when we will receive information from a consumer reporting agency

We do not disclose any nonpublic personal financial information about our clients or former clients to anyone, except as permitted by law.

We may disclose any or all of the information we collect, as described above, to companies that perform services on our behalf. This will in no way compromise the security of the information you provide to us, but enhance the probability that we can provide you with the proper services and/or products you requested.

We limit access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with state and federal law to guard your nonpublic personal information.