(EFFECTIVE DECEMBER 2014)
ATOSKE IS PROVIDING YOU THE FOLLOWING INFORMATION IN A MANNER CONSISTENT WITH PRINCIPLES UNDER UNITED STATES FEDERAL LAW.
WHAT DOES ATOSKE DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires lenders to tell you how they collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and income
• Account balances and payment history
• Credit history and credit scores
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Atoske chooses to share; and whether you can limit this sharing.
WHAT DOES ATOSKE DO WITH YOUR PERSONAL INFORMATION?
For our everyday business purposes
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Does Atoske share : Yes
Can you limit this sharing? : No
For our marketing purposes
To offer our products and services to you
Does Atoske share : Yes
Can you limit this sharing? : No
For joint marketing
For joint marketing with other financial companies
Does Atoske share : Yes
Can you limit this sharing? : No
For our affiliates’ everyday business purposes
Information about your transactions and experiences
Does Atoske share : No
Can you limit this sharing? : We do no share
For our affiliates’ everyday business purposes
Information about your creditworthiness
Does Atoske share : No
Can you limit this sharing? : We do no share
For our affiliates to market to you
Does Atoske share : No
Can you limit this sharing? : We do no share
For non-affiliates to market to you
Does Atoske share : Yes
Can you limit this sharing? : Yes
To limit our sharing
Call (866) 420-7157; Log in to your account at www.atoskels.com and click on the “change account preferences” link; or Contact us via email: [email protected]
Please note:
If you are a new customer, we can begin sharing your information as soon as the same day that you apply for a loan. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call (866) 420-7157 or go to www.atoskels.com
WHAT WE DO
How does Atoske protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards (i.e., computer virus protection software, firewalls, 128-bit Secure Socket Layer). Only authorized employees have access.
How does Atoske collect my personal information?
To protect your personal information, for example, when you:
• Apply for a loan
• Give us your income information
• Provide employment information
• Provide account information
• Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non-affiliates to market to you
DEFINITIONS
Affiliates
Financial and nonfinancial companies related by common ownership or control.
• Atoske has no affiliates
Non-Affiliates
Financial and nonfinancial companies related by common ownership or control.
• Non-affiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial, products or services to you.
• Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.
Other Important Information
As part of our credit underwriting and information collection process, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. We also may collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you.
Updating your information: If you need to update the personal information you have given us, log in to your account at www.atoskels.com and click on the “Update my information” link or call (866) 420-7157 to speakto an account representative.
“Do not track”: When someone visits the Atoske website, a cookie is placed on the visitor’s computer (if the visitor accepts cookies). The cookie we place on your computer does not contain any of your personally identifiable information. Atoske advertises its products and services on websites that you may visit, and Atoske uses service providers to place such advertisements. Those service providers (such as Google, Mircrosoft or yahoo) may use cookies placed on your computer to show you advertisements for Atoske services on other websites. You can opt-out from service providers’ and/or markters’ use of cookies in this manner by visiting each service providers’s advertising opt-out page or by utilizing “do not track” functionality in your web browswer. If you choose to not have your browser accept cookies from the Atoske website, you will not be able to subscribe to the service offerings on the Atoske website.
Changes to this privacy policy: If we make material changes to this privacy policy, we will notify you via email and post the updated privacy policy on the Atoske website. Please take note of the “Effective Date” at the top of this privacy policy
