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WE ARE COMMITED TO SAFEGUARDING CLIENT INFORMATION
In order to better serve your needs now and in the future, we may ask you to provide us with certain information.  We understand that you may be concerned about what we will do with such information – particularly any personal or financial information.  We agree that you have a right to know how we will utilize the personal information you provide to us.  Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

APPLICABILITY
Our Privacy Policy governs how we use the information which you provide to us.  It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

TYPES OF INFORMATION
Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:
*Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means;
*Information about your transactions with us, our affiliated companies, or others; and 
*Information we receive from a consumer reporting agency.

USE OF INFORMATION
We may request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party.  Therefore, we will not release your information to nonaffiliated parties except; (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law.  We may, however, store such information indefinitely, including the period after which any Client relationship has ceased.  Such information may be used for any internal purpose, such as quality control efforts or Client analysis.

FORMER CLIENTS
Even if you are no longer our Clients, our Privacy Policy will continue to apply to you.

CONFIDENTIALITY AND SECURITY
We will use our best efforts to ensure that no unauthorized parties have access to any of your information.  We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you.  We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly, while maintaining  physical, electronic and procedural safeguards that comply with federal regulations. 

We believe the practice of privacy is an ethical requirement not just a policy.