The information we collect

To provide you products and services that fit your needs, to comply with government regulations and to better understand how we may assist you, we collect information about you, including nonpublic personal information. The nonpublic personal information we collect and disclose varies depending on the products and services you request and use. We collect information about you from the following sources:

• Information you give us on applications or other forms and other oral, written or electronic communications
• Information about your transactions with us, such as account balance and payment history
• Information we receive from third parties, including consumer reporting agencies and persons providing services in connection with your transactions, such as appraisers and checking account verification companies, and in the case of insurance services, driving records and medical information
• Information we receive from an allotment-processing bank, such as allotment authorization information.
• Information collected from our Internet web sites, such as information you provide to us and information necessary to manage your online session with us;
• Information about your transactions with other parties to verify information provided by you, such as your income and employment history.

The confidentiality, security, and integrity of your information are important to us.

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect this information. Our employees are also bound by our Code of Conduct which requires confidentiality and restricts access to information for legitimate business purposes only.

We may disclose information about you to our affiliates.

By sharing nonpublic personal information with our affiliated companies we are able to provide you the highest level of customer service. The sharing of such information provides us with a complete and integrated knowledge of your full relationship with Go Army PC and helps us detect and take measures to prevent potentially unusual account activity, unauthorized transactions and fraudulent activity, and provide you the best price your relationship deserves.

Under applicable law, we are permitted to share your name, address and facts about your transactions and experience with us among our affiliated companies. During the normal course of doing business, we will share such transaction and experience information among our affiliated companies to service your accounts and better meet your financial needs. Also, as a matter of normal business practice, we sell loans among our affiliate companies. You do not have a right to opt out of the disclosure of this information.
Other information we may share with our affiliates that are not taken from transactions and experiences:

• Information you provide us on an application or other forms, such as assets and income.
• Information we receive from a credit reporting agency, such as: credit history and public records.

You may opt out of the disclosure of the information listed directly above. Please see the information below which describes how to opt out of this information sharing among our affiliates

Disclosure of information to third parties
 
We do not sell or disclose information about you to companies outside of the Go Army PC Family, except as required or permitted by law. As an example, we are allowed to disclose information about you to:

• Credit reporting agencies, check printers, and other third parties which assist us in servicing your account(s) with us;
• Financial service providers, such as allotment processing banks, payment processors and insurance companies;
• Government entities in response to subpoenas or other governmental information requests.
• Financial institutions for the purpose of jointly offering financial products and services to you such as credit insurance.
• Companies that perform marketing services on our behalf.

Any such third party will be prohibited by a contractual agreement from disclosing or using the nonpublic personal information except as necessary in the ordinary course of business.
If you close your accounts or your relationship becomes inactive, we will continue to treat the information we have collected about you in accordance with this notice.

Other Privacy Protections
 
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you. For example, certain state laws may restrict the types of information we may disclose about you or require us to provide you with an additional notice.
We will not use or share personally identifiable medical information for any purpose other than the underwriting or administration of your insurance account, policy, or claim, unless otherwise required or permitted by law.

Other Information Collectors
 
Our Internet sites may include links to the sites of our business partners or others. The privacy policies and customs of those sites may be different from ours. To the extent that you disclose your information to other parties or sites, you are subject to the privacy policies and customs of those parties or sites. We cannot be sure whether any third parties linked to or through our site have privacy policies similar to ours. Therefore, we cannot be responsible for the content or the privacy practices employed by anyone else.

Protecting Children's Information Privacy

The online financial services offered through Go Army PC Internet sites are not designed for or directed toward persons under age 18. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.
Notifying us of inaccurate information reported to consumer reporting agencies
 
Please notify us if you believe that we may have reported any inaccurate information about your accounts to consumer reporting agencies. Such notices are to be in writing and should include your complete name, current address, social security number, telephone number, account number, specific item of dispute and why you believe the information reported is in error.

You may tell us not to share your information within the Go Army PC Affiliates

We may disclose information about our transactions and experiences with you to affiliates. You do not have the right to opt out of the disclosure of this information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you, such as information from applications and from a credit bureau), unless you tell us not to disclose this other information. Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party’s information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared (unless allowed or required by law), nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out of the disclosure of your information, you may do so by calling the following toll free number: 1-888-654-ARMY.