A. As permitted by law, we may share all of the information we collect about you, as described above, with our affiliates described below and with companies that provide marketing services on our behalf.
B. By law, as needed for the purpose of offering, processing, servicing, and collecting loans, we may disclose your nonpublic personal information to other parties in the student lending business, such as guarantors, lenders, loan servicers, the Department of Education, credit bureaus, and schools. Under the agreements that govern the Access Group Loan Program, only Access Group may use nonpublic personal information about applicants or borrowers, except as may be necessary for the other participants to perform their respective roles.
We are required by law to disclose certain information about you (such as information related solely to our experiences or transactions with you) to credit bureaus and regulatory agencies, such as the Federal Trade Commission, and to comply with legal requirements, such as when subpoenaed for a fraud.
Who
has adopted these privacy policies?
The following Access Group affiliates have adopted these privacy policies: Access Group, Inc., which administers the loan program and may own or may in the future purchase your loan(s); and Access Group Loan Reserve Trust I, which acts as a loan reserve and purchases certain defaulted loans. Throughout this document, the term “we” refers to the participants identified above, collectively.
OPT-OUT: We will not share your nonpublic
personal information with others as defined below. National City, 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 National City is
built on trust. You have chosen to do business with National City, 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. National City does not share information about you outside
of our National City companies unless permitted by Title V of the Gramm-Leach-Bliley
Act of 1999 and other applicable laws and regulations.
National City Corporation, its family of financial services companies ("affiliates")
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
National City does 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.
National City works 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.
If you don’t want such information shared you may write to us at National
City Corporation, Attention: Office of Consumer Privacy, P.O. Box 4068, Kalamazoo,
MI 49009. Please provide your name, address, Social Security number and account
number(s). (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.
National City’s 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.
National City Companies (Please visit NationalCity.com for a current
list.): National City Bank, NatCity Investments, Inc., National City
Insurance Agency of Pennsylvania, Inc., Allegiant Asset Management Company,
Allegiant Insurance Services Co., National City Insurance Group, Inc., Harbor
Insurance Agency, Inc., National City Mortgage Co., National City Partnership
Solutions, Inc., Alliance Title Agency, LLC, New England Trust Company, N.A.,
National City Abstract, LLC, Access Financial Corp., Red Capital Markets, Inc.,
Capstone Realty Advisers, LLC, Provident Auto Leasing Company, NatCity Trust
Company of Delaware, NationalLink, LP, NationalLink, LLC, NationalLink of Alabama,
LLC, Florida Consolidated Agency, Inc.
*Vermont Residents: 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. California Residents:
We will not disclose or share information about California residents without
first providing you with a California Privacy Notice and honoring your choice
unless such sharing or disclosure is permitted by applicable law.
