This Notice e xplains how we collect and disclose customer information when you apply for or obtain financial products and services for personal, family or household purposes with Complete Financial and Complete Financial of America Companies.

We may supplement this Notice to address special state law requirements, such as those applying to our insurance customers.  In the event of any conflict between the provisions of this Notice and any supplement, the provisions of such supplement will apply to the extent applicable.

Confidentiality and Security
Protecting customer information has always been important to us. Access to customer information is limited to those persons who need to know that information. For example, access to customer information is needed to resolve questions or inquiries, for internal security or fraud control, to provide products or services, or to protect or enforce our rights.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard customer information.
 

Customer Information We Collect
We collect customer information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, income, and, in the case of applications for life or health insurance or medical-related debts, any required medical and health information.
• Information about your transactions or relationships with us, with other companies or with third parties, such as information about your balances and payment history.
• Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.

Our Policy About Disclosing Customer Information Outside of Complete Financial
We do not disclose customer information we collect about our customers or former customers to third parties outside of Complete Financial, except as permitted or required by law. These exceptions are described below. Since this is our policy, there is nothing you need to do to request us not to share customer information with such third parties.

Exception for Joint Marketing and Service Providers
We may disclose customer information we collect, on customers and former customers, to companies that perform marketing services for us or to other financial institutions with whom we have joint marketing arrangements.

Examples of these companies or financial institutions are:

• Financial institutions with whom we have joint marketing agreements, such as insurance companies, mutual fund companies, credit card companies.
• Companies that provide marketing services for us, such as bulk mailing companies, direct marketing companies, market research firms, and marketing consultants.

Other Exceptions
Other examples of when we disclose customer information outside of Complete Financial are as follows:

• To consumer reporting agencies.
• In connection with audits or any sale or transfer of your accounts.
• For fraud, security or risk control.
• To help complete a transaction you initiate, including information requested to verify the existence or condition of an account.
• To resolve disputes or inquiries you may have about your accounts.
• With your consent or at your direction.
• When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• To companies that perform services for us in connection with your accounts, such as data processing and software companies and collection agencies.
• As otherwise necessary to service your account, or as permitted or required by law.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

This notice applies to Complete Financial and Complete Financial of America Companies.