The Hard cash note buyers company (HARD CASH NOTE BUYERS) recognizes the importance of protecting your nonpublic personal information. Because your privacy is our concern, we have developed this Privacy Policy to inform you about our privacy practices. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.
What types of information does (HARD CASH NOTE BUYERS) collect about you and from whom?
We obtain information about you directly from you, from applications, contracts, documents and forms you complete or sign, or in telephone conversations with you. We may obtain additional information about you or, with your authorization, others who may have an interest in your insurance policy or annuity contract, from additional sources, including your insurance company, insurance producer, health care providers, credit reporting agencies, and your representatives or advisors. We may also obtain information about you from public records and, with your authorization, other persons.
We may obtain the following types of nonpublic personal information about you:
• Personal information, such as your name, address, social security number, driver's license number, occupation and employer;
• Financial information, such as assets, income, credit history, banking information and account numbers;
• Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings;
• Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses;
• Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history; and
• Medical information, such as your current health status and prior health care treatments.
To whom does (HARD CASH NOTE BUYERS) disclose the information collected about you?
Information Sharing and Disclosure.
(HARD CASH NOTE BUYERS) will not rent or sell your nonpublic personal information to anyone without first obtaining your consent. However, we will disclose your information if we are required by law to do so. Additionally, with your authorization, we will disclose your nonpublic personal health information to our affiliates and non-affiliated companies that provide services for us related to a transaction you request.
With your authorization, we will disclose your nonpublic personal health information to entities that provide us with financing or financial support for a transaction that you request.
Additionally, as permitted by law and with your authorization, we may disclose your health information to allow our authorized representative to contact you for purposes of determining your current health status.
As permitted by law or with your authorization, we will share your nonpublic personal financial information to our affiliates and non-affiliated companies that provide services for us related to a transaction you request and under the following additional circumstances:
• To establish or exercise our legal rights or defend against legal claims;
• In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of (HARD CASH NOTE BUYERS) or any portion of our business;
• To secure services and advice from our attorneys, accountants and auditors; and
• To permit our affiliates to contact you about other products and services offered by the (HARD CASH NOTE BUYERS) company.
We may also disclose your nonpublic personal financial information for other purposes or to other persons with your authorization or otherwise as required or permitted by law.
Our Former Customers
We treat information about our former customers in the same manner as we treat information about our current customers.
Confidentiality and Security.
We restrict access to the nonpublic personal information we receive about you. Only employees of the (HARD CASH NOTE BUYERS) companies who need to know that information to provide products or services to you have access to your information. We also maintain physical, electronic and procedural safeguards to guard your nonpublic personal information against unauthorized access or use. Non-affiliated companies to whom we disclose your nonpublic personal information are obligated to maintain your privacy under confidentiality agreements and do not have any independent right to use your information.
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.
Updates to our Privacy Policy from time to time we may change our Privacy Policy. If our information practices change, we will post the changed policy to our website at www.hardcashnotebuyers.net. We reserve the right to change this policy at any time.
Linked Websites
Because (HARD CASH NOTE BUYERS) cannot control the content of sites linking to or from our site, we are not responsible, nor can we make representations to the content of those websites or their individual privacy policies.
"Cookies"
Cookies may be sent to your browser from our website in order to provide you with better service when you return to our website. A cookie is a string of data that is stored on your hard drive, which enables us to track your use of our website. With them we can determine the number of unique users accessing the various pages on the site and improve flow and content.
If you have questions about the information in this notice, please write us at:
Customer Service: hardcashnotebuyers@msn.com
This policy is effective February 2007.
© 2007 Hard Cash Note Buyers