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Privacy Policy
Notice of Privacy Policy of
The Omni Financial Group of Loan Companies*
Effective: June 26, 2006
Your need for confidentiality and privacy is important to us. We recognize that privacy is an important element of our customers’ confidence in us, and we understand that our customers expect us to collect and retain nonpublic personal information responsibly. The following privacy policy guidelines will explain how we manage this information in order to meet these goals. All provisions in this Notice of Privacy Policy, including our collection and disclosure practices, apply to credit applicants, as well as customers and former customers.
Information Collection
In order to provide you with the highest level of quality service, we collect the following kinds of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
- Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
- Information we receive from consumer reporting agencies, such as your credit history and credit worthiness;
- Information we receive as a result of verifying your information with non-affiliated third parties, such as grade, rank, and duration of service; and
- Web based tools when you visit our Websites**, such as “cookies”. Our Websites, however, are currently programmed to create only “per session cookies” in order to interact with our database. No personal identifying information is involved with these cookies. When logging out, any cookies created will automatically expire, and no permanent change or record will exist on your hard drive.
Note that we currently do not collect any specific identifying information about you on our Web sites unless you choose to provide information to us by completing an online application or by sending us an email. We may, however, record certain non-personal statistical data about visitors to the Web sites on an anonymous basis, such as information about the time and length of your visit, the pages you looked at, and the website you visited prior to ours. We may also retain the name of your internet service provider. This information about usage patterns helps us improve the quality and content of our website.
Information use
We may disclose all of the nonpublic personal information that we collect, as described above, to our affiliates or nonaffiliated third parties, as described below:
- To service providers who perform services for us or act on our behalf, such as a company that conducts customer satisfaction surveys or a marketing company that send you information about our products;
- To affiliates as allowed by law and to the extent that you have not opted out of us sharing consumer report information. The nonpublic personal information that we collect consists of both “consumer report information” and “non-consumer report information.” “Consumer report information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for a loan and is not related solely to your transactions and experiences with us. This includes information we receive from your credit applications (such as income and assets), your credit report (such as your credit history), and from sources used to verify representations made by you (such as employment history). If you opt-out of us sharing consumer report information among affiliates, we may continue to share non-consumer report information with our affiliates. This includes your contact information and information relating to your transactions and experiences with us (such as account activity and payment history). If you would like to opt-out of us sharing your consumer report information, please complete the Opt-out form below and return it as set forth in the instruction provided. We will continue to honor your opt-out request if you have previously sent in the opt-out form; and
- To all third parties as permitted or required by law such as an individual or entity that assists you in obtaining a loan with us or in response to a subpoena.
Security Standards
We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Access to your personal information is limited to employees and other authorized third parties as allowed by law. Employees are only authorized to access nonpublic personal information that is necessary for them to perform their job duties.
Our Websites include links that may take visitors to third party sites that are governed by their own privacy statements. When you click through to these sites, our Notice of Privacy Policy no longer applies.
Accuracy and Your Right to Correct
Keeping your account accurate and up to date is very important. We want the information we gather and maintain to be current and complete. You can assist us by checking your account from time to time to discover obsolete or inaccurate information. If you ever find that your personal information is inaccurate or obsolete, please let us know by sending an email to the address listed below or by calling us at (931) 431-4417. We will promptly update or correct any erroneous information.
Contact Information
We will send out our Notice of Privacy Policy annually for as long as you remain our customer regardless of whether our policies have changed during the course of a particular year. If you have any questions about our privacy statement and/or security measures, please feel free to contact us at:
Omni Financial Group
2609 Fort Campbell Blvd.
Clarksville, TN 37042
(931) 431-4417
Email: privacy@yesomni.com
Complaints and Inquiries Notice to Texas Consumers Only
This lender is licensed and examined by the State of Texas-Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78708-4207, (512) 936-7600, (800) 538-1579.
Opt-Out Form
We offer you the opt-out choice listed in connection with the sharing of certain information with affiliates, as described above. If you wish to opt-out of Omni’s disclosure of your information, you may do so by checking off your preference, including your identifying information and mailing in the attached Opt-Out Form to the following address:
Omni Financial Group
2609 Fort Campbell Blvd.
Clarksville, TN 37042
Once you opt-out, you will not need to notify us again. If you choose to change your opt-out instructions, please write to us at the address above and include your name, contact information, account number(s), and state that you would like to revoke your previous opt-out election(s).
Note to Joint Account Holders: Your opt-out choices will also apply to other people with whom you hold a joint account. If these people have separate accounts, your opt-out choices will not apply to those separate accounts.
* The Omni Financial Group of Loan Companies referred to in this privacy policy include the following loan companies:
Omni Financial of California, Inc. Omni Financial of Tennessee, Inc.
Omni Financial of Colorado, Inc. Omni Financial of Texas, Inc.
Omni Financial of Delaware, Inc. Omni Financial of Virginia, Inc.
Omni Financial of Georgia, Inc. Omni Financial of Washington, Inc.
Omni Financial of Nevada, Inc. Militaryloans.com, Inc.
Omni Financial of North Carolina, Inc.
** Our Websites include www.yesomni.com and www.militaryloans.com Rev 6/26/06
OMNI OPT-OUT FORM
_______ Affiliate Sharing. Please do not share my consumer report information among the Omni Family of Companies as you described in the Notice of Privacy Policy of the Omni Financial Group of Loan Companies section entitled “Information Use.”
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Date
Rev 6/26/06