PRIVACY POLICY
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Your Privacy
At Advanced Investment Corp, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes his or her privacy seriously is necessarily well-versed in “legal or regulatory-ese.” There are plenty of legal terms in Advanced Investment Corp’s. own privacy policy, which you will find on the following pages. We urge you to read it carefully and to make note of your rights under this policy. We’ve tried to provide easy-to-understand explanations of the most frequently used legal terms – terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You’ll find the same terms used in many companies’ privacy policies.
Safeguarding Customer Information
We only grant access to nonpublic personal information about you (such as your name, address, and social security number and credit history) to company employees and affiliated and non-affiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.
We will do our best to keep information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.
We Can Get Information
�� From you, on forms via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, social security number, credit history and other financial information.
�� From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.
�� From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.
�� From third parties to verify information you have given us.
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Uses of Shared Information
We may share all the information that we collect, as described above, for the following purposes:
�� To provide you with the products and services you requested.
�� To offer you additional products and services, from us from others, that may be of interest to you.
�� To comply with reporting and other legal requirements.
�� To otherwise conduct business
Information Sharing Among Our Family of Affiliated Companies
Any company that is owned or controlled by Advanced Investment Corp. is an “affiliate” or an “affiliated company” of all of the other companies owned by Advanced Investment Corp.
Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as “transaction information.”
Unless you request otherwise, we also share all of the other information we collect our affiliated companies. This information – that is, information other than transaction and experience information – is referred to in this Privacy Policy as “other information.” You have the right to ensure that other information is not shared with our affiliates. If you don’t want us to share this information with our affiliates, please call us at 541-343-9714.
Once we receive your opt out request, we will stop sharing this information as soon as reasonably practical. Your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.
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Information Sharing with Nonaffiliated Third Parties as Permitted by Law
We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutes with whom we have joint marketing arrangements. We may also share all information we collect, as described above, with other nonaffiliated third parties that assist us with monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to which we may report information about your transactions with us.
Please be advised that the opt-out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.
Information Sharing with Other Nonaffiliated Third Parties and Your Opt Out Rights
Unless you request otherwise, we may share all the information we collect, as described above with additional types of nonaffiliated third parties, such as:
�� Financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents
�� Non-Affiliated companies, such as firms that offer value-added packages of products and services
If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt out of those disclosures (other than those permitted by law) by calling us at (541) 343-9714. We will stop sharing this information as soon as reasonably practical. Again, your opt out will apply to all accounts you hold individually
and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.
Sharing of Nonpublic Personal Health Information
If you engage in an insurance transaction with or through us, we may collect nonpublic personal health information about you. We do not share nonpublic personal health information with any nonaffiliated third party unless you have authorized the disclosure. The disclosure is made in connection with an insurance transaction that was initiated by you or the disclosure is otherwise permitted by law.
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Your Opt-Out Options
If you wish you can direct Advanced Investment Corp. to stop sharing certain nonpublic personal information about you with our affiliated companies and nonaffiliated third parties, please call us 541-343-9714 to opt out, or you may send your instructions to Advanced Investment Corp., 380 “Q” Street, Suite 240 , Springfield , OR 97477 . If you have previously opted out, you will not need to do so again, unless you are establishing a new customer relationship with us.
Option 1: Directs Advanced Investment Corp., not to share nonpublic personal information with nonaffiliated third parties.
What this means:
You direct Advanced Investment Corp., not to share nonpublic personal information about you with nonaffiliated third parties except as permitted by law. These exceptions include companies that perform marketing services on our behalf, other financial institutions with whom we have joint marketing arrangements, other nonaffiliated service providers (such as those that assist us with monthly statement preparation and check printing and processing), and credit reporting agencies to whom we information about your transactions with us.
Option 2: Directs Advanced Investment Corp. not to share nonpublic personal information with Advanced Investment Corp. Affiliated companies.
What this means:
You direct Advanced Investment Corp. not share nonpublic personal information about you among its affiliated companies except as permitted by law. You will continue to receive mailings and advertisements from the Advanced Investment Corp. company/companies with which you do business.
Option 3: Direct Advanced Investment Corp. not to share nonpublic personal information with nonaffiliated third parties or among its affiliates, except as permitted by law.
What this means:
Advanced Investment Corp. will not share your nonpublic personal information with either nonaffiliated third parties or among its affiliates, unless permitted by law. Please note that even if you opt out, you may still receive advertising and other marketing materials if those materials can be provided
without violating your opt out instructions.
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Other Ways to Protect Your Privacy
Marketing Lists
You can reduce the amount of marketing material and credit applications you receive via mail, telephone or email by writing the Direct Marketing Association at the addresses listed below. You must provide your name, address and telephone number with your request.
Mail Preference Service
C/O Direct Marketing Association
P.O. Box 9008
Farmingdale NY 11735-9008
Telephone Preference Service
C/O Direct Marketing Association
P.O. Box 9014
Farmingdale NY 11735-9014
Email Preference Service
www.e-mps.org
Identity Theft
Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.
Experian 888-397-3742
Equifax 800-525-6285
Trans Union 800-680-7289