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Privacy Policy
OPT-OUT: We will not share your nonpublic personal information with
others as defined below. Merchant Services (MSI), on your behalf, has exercised
your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial
Information.
The basis
of each customer relationship at MSI is built on trust. You
have chosen to do business with MSI, and we guard that relationship
with great care, beginning with the information you have chosen to share
with us. That is why we have opted out for you as a matter of corporate
policy. MSI does not share information about you outside of
our MSI companies unless permitted by Title V of the Gramm-Leach-Bliley
Act of 1999 and other applicable laws and regulations.
MSI and employees, are dedicated to protecting the privacy of your nonpublic
personal information. We maintain information about you in order to
provide you with the most effective and convenient access to our broad
range of financial products and services. We want you to understand
what information we collect, and how we use and protect it. This notice
serves as a standard for all National City employees for collection,
use, retention and security of nonpublic personal consumer information.
What
Information We Collect
"Nonpublic personal information" is information about you
that we obtain in connection with providing a financial product or service.
Such information includes for example, account balance, income, assets,
insurance premiums, payment history and overdraft history.
We may
collect nonpublic personal information about you from the following
sources:
- Information
that you provide to us, such as on applications or other forms
- Information
about your transactions with us, our affiliates or others, or
- Information
from others, such as credit bureaus, real estate appraisers, and employers
Our
Security Procedures
To maintain security of customer information, we restrict access to
your personal and account information to persons who need to know that
information to provide you products or services. We maintain physical,
electronic and procedural safeguards to guard information.
What
Information We Disclose
We do not disclose nonpublic personal information about
you to any companies that are not members of our corporate family ("third
parties"), except as permitted by federal law, specifically Title
V of the Gramm-Leach-Bliley Act of 1999. The confidentiality of your
nonpublic personal information will continue to be maintained consistent
with this privacy notice even if you decide to close your account(s),
your account becomes inactive, or when you otherwise cease to do business
with us.
We work with a variety of third parties to bring you financial services.
We disclose information about you as necessary to fulfill these third
party service agreements. For example, we may disclose information about
you to third parties that assist us in servicing or maintaining your
loan or deposit account, or other business relationship, such as printing
checks or billing you for loan payments. We may also disclose information
about you to governmental entities, such as sending annual income statements
to the IRS, and to other third parties such as credit bureaus, or in
response to subpoenas.
We may
disclose all of the information we collect, as described above, to third
parties that perform marketing services on our behalf or to other financial
institutions, such as insurance providers, with whom we have joint marketing
agreements in order to make a variety of financial services available
to you*. These third parties must agree to strict confidentiality provisions
to assure the protection of your information. Because we already limit
the sharing of your nonpublic personal information as outlined above,
no action is necessary on your part to limit such sharing.
Fair
Credit Reporting Act Disclosure*
We share information about you with our affiliates. Under the Fair Credit
Reporting Act you may direct us not to share certain credit information
with our affiliates. Examples of the kind of credit information that
you may direct us not to share include the nonpublic personal information
you provide in your application or that we obtain about you from nonaffiliated
third parties such as credit bureaus.
(NOTE: If you have previously requested that we restrict such sharing
you do not need to make another request.) Your request not to share
credit information does not include information we are permitted to
share by law, such as information related solely to our experiences
or transactions with you. Your account balance and payment history are
examples of transaction and experience information that we are always
permitted to share with our affiliates.
Our Pledge to You
We believe that your privacy should never be compromised. At the same
time, we want to offer you the array of financial products and services
you need to accomplish your financial goals. We believe we can do both
by adhering to the provisions of this privacy notice.
Bank of America, City Bank, National City Bank of Kentucky, Churchill Insurance Agency,
Inc., National City Insurance Agency of Kentucky, Inc., NatCity Investments,
Inc., National City Bank of Pennsylvania, National City Insurance Agency
of Pennsylvania, Inc., National City Bank of Southern Indiana, Sterling
Private Investments, Inc., National City Bank of Indiana, National City
Mortgage Co., National City Home Loan Services, Inc., First Franklin
Financial Corporation, The Madison Bank & Trust Company, National
City Bank of Michigan/Illinois, NatCity Insurance Services, Inc., National
City Insurance Group, Inc., National City Investment Management Company®,
National City Mortgage Services Co., Alliance Title Agency, LLC, New
England Trust Company, National City Abstract, LLC
*Vermont Residents Only: In Vermont the information we disclose under joint
marketing agreements must be limited to your name, contact information,
and information about our own transactions and experiences with you.
Your consent is required before we can share certain credit information
about you with our affiliates. We are permitted to share information
which is not a credit report under Vermont law without your consent,
such as information related solely to our transactions and experiences
with you.
(Rev. 07/27/08)
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