Information Sharing with Companies That Perform Services on our Behalf. We are permitted to disclose nonpublic personal information about you that we maintain or collect, as described above in the How We Gather Information section, to companies that perform services on our behalf or to other institutions with which we have joint marketing agreements. The categories of third parties providing these services may include, among others, consumer reporting agencies, financial service providers such as credit card issuers, finance companies, insurance agencies or companies, government agencies, and banks and mortgage companies.
To protect your privacy, before we disclose such non-public personal information pursuant to a joint marketing agreement, we enter into a contractual agreement prohibiting our joint marketing partners from disclosing or using your non-public personal information other than to carry out the purposes for which the information was disclosed.
Information Sharing with Non-Affiliated Companies. In order to provide you with efficient service and inform you of opportunities that may be of interest to you, unless you tell us not to, by checking the appropriate box below, we may share all or part of the information that we maintain or collect, as described above in the How We Gather Information section, with the following types of non-affiliated third parties, among others:
- Credit bureaus and financial service providers, such as credit card issuers, finance companies, insurance companies, banks and mortgage companies.
- Non-financial companies, such as marketing companies.
Please note that, even if you direct us not to share the information described above in the How We Gather Information section, we may disclose non-public personal information about you as permitted or required by law (e.g., to companies that perform services on our behalf, or to companies with which we have joint marketing agreements).
Other Circumstances. We also may share certain non-public personal information with non-affiliated third parties as permitted or required by law; and, the law does not permit you to opt out of such disclosure. For example, we may be required to provide information:
- To our service providers to help us process your application or service your accounts
- To regulatory authorities and law enforcement officials
- To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability
- To consumer reporting agencies
- To respond to a subpoena or court order or judicial process
- To purchasers of your debt in the event of a default on your part
