CreditSmarts Financial ("CreditSmarts") understands how important personal privacy is to our customers and site visitors. We have developed the following privacy policy to address our collection and disclosure of confidential information.

Visiting our Website

You may visit this site and find out about our products and services, check our rates, and read more about us without giving us any information about yourself.

CreditSmarts is committed to continuous improvement of our website. We may use software tools to gather information about site visitors' browsing activities in order to target areas for improvement. Information gathered may include date and time of visits, pages viewed, time spent at the site, browser types, Internet service provider, and the site visited just before and just after the CreditSmarts site.

We will also track browsing activities of customers who have accounts with CreditSmarts Financial and who use our online banking and bill payment services. As part of our security procedures, CreditSmarts may use a "cookie" to authenticate a user's request. A "cookie" is information sent from a website to a visitor's computer while he or she is visiting the site. The cookies set by CreditSmarts will expire after one online banking session.

Our Collection and Retention of Personal Information about You

Information regarding our customers is used solely in the legitimate conduct of our business, to deliver superior service and to design products and special offers that better meet our customers' needs. Customer information will not be used, collected, or retained unless CreditSmarts has a legitimate business purpose to do so. We will collect personal information directly from you through requests for information, the application process, and value-added services that require personal contact with you. If you choose to provide personal information, such as address, email, telephone and fax numbers, as well as demographic and customer identification, we will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.

Other information will be collected and retained during the course of a business relationship with you. For instance, when you email CreditSmarts, we will retain the content of the email, the email address and our response in order to handle further questions you have, or necessary follow-up, and to monitor how well we're responding to customer questions and concerns.

Our Disclosure of Your Personal Information

CreditSmarts does not and will not provide or sell your personal information to any third party for independent use. Further, we will not disclose your personal information to external organizations unless (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required.

CreditSmarts is required, for example, to share information about you and your products and services with us with parties named in a lawsuit or administrative action when we are served with a subpoena or court order. We also are required to share this information with federal or state regulatory authorities, such as banking examiners or the Internal Revenue Service, as authorized by federal or state law.

CreditSmarts occasionally enters into joint marketing agreements and/or promotions with third parties in order to attract new accounts. If you apply for an account with CreditSmarts as a result of such a promotion or offer, CreditSmarts reserves the right to confirm with the third party that you have opened an account with us, the type of account and date opened.

Employee Access to Your Personal Information

Because CreditSmarts takes your privacy seriously, we limit the availability of your information to our employees. Employees may only access your information for legitimate business purposes. Each employee has been made aware of his or her responsibilities to safeguard your personal information. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Security Procedures to Protect Information

CreditSmarts maintains a strong security standard in order to help prevent against loss or unauthorized access to your personal information. Our website addresses our Security policy in greater detail.

Maintenance of Accurate Information

We have procedures to help assure that your information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner.

We make every attempt to keep customer files complete, up-to-date, and accurate. We encourage our customers to contact us immediately to correct any outdated or incorrect information. In addition, customers may contact us with questions about their records in writing at:

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C/O CreditSmarts.com
231 E. Alessandro Blvd. #488a
Riverside, CA 92508

   
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