Privacy Policy
Your privacy is of the utmost importance to us. The following contains the First Star Capital Privacy Policy.
At First Star Capital, trust is the basis of each customer relationship. We recognize your right to privacy. We use great care to responsibly protect the information you share with us.
Our customer information privacy policy detailed in this statement, serves as the standard for all First Star Capital employees in the collection, use, sharing, retention and security of individual customer information.
Expectation of Privacy
Safekeeping of customer information is a high priority at First Star Capital. We will continue to maintain the high standards necessary to ensure that your information is kept private and secure at all times.
If you close your account(s) or become an inactive customer, we will continue to adhere to this privacy policy.
Maintenance of Accuracy
We strive to maintain complete, accurate information about you and your accounts. Should you believe that our records contain inaccurate or incomplete information about you, please notify us at the telephone number listed in the "Where to Call" section at the end of this statement. We will correct any inaccuracies.
First Star Capital Information Management Practices
Information about customers is accumulated from a variety of sources. You provide some information. We record other information, such as your account history, and still other information is obtained from outside sources, such as affiliates and credit reporting agencies.
We limit the collection and use of information about customers to the data necessary to administer our business, provide superior service and offer opportunities we believe may benefit our customers.
We use some information to help identify and mitigate potential risks or loss to the Company. We also use customer information to identify a likely interest in particular products or services. We use this information only in accordance with our policy.
Limitation of Employee Access
Company employee access to information about individual customers is limited to those with a business reason to have such access. Employees are made aware of the First Star Capital's privacy policy and trained in procedures that maintain confidentiality. Employees who violate provisions of the privacy policy are subject to disciplinary action.
Information Security Protection
First Star Capital safeguards information about you according to established security procedures designed to prevent unauthorized access. We continually assess new information protection technology.
Types of Personal Information Collected
In conducting business at First Star Capital, we collect and maintain various types of information about our customers, including:
- Identification information (account numbers, Social Security numbers, dates of birth and addresses);
- Information regarding your creditworthiness and credit capacity (financial statements, employment information, credit history, and income and expenses);
- Data we obtain when we verify information in a lease application;
- Account activity information; and
First Star Capital uses this personal information only for business purposes consistent with ethical business practices and in compliance with applicable laws and regulations. We may share all of the information that we collect.
Information Use by the Company
The Company may use your personal information as follows:
Within First Star Capital and Affiliated Companies:
- As a security measure, to prevent unauthorized persons from accessing your accounts.
- To conduct business safely and soundly. We use personal information, for example, taken from loan applications to manage risk and ensure that we are prudent underwriters.
- In satisfying legal requirements, such as for tax reporting as required by state and federal government.
With Unaffiliated Third Parties:
First Star Capital does not reveal customer account information or provide other personally identifiable information to unaffiliated companies for their independent use.
We may disclose all of the information we collect, as described in "Types of Personal Information Collected" to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
Customer Privacy in Third Party Relationships
When we provide customer information to a third party, as permitted by law, we insist - through a written agreement - that the third party maintain the confidentiality of that information.
Marketing of First Star Capital's Products and Services
From time to time, the Company may promote its products and services directly to customers. If you do not want to receive these offers, you may ask the Company not to include you by following the "opt-out" procedures below.
Ways to Limit the Company's Use or Disclosure of Your Personal Information
We at First Star Capital have developed this policy statement, because we want you to understand and trust our commitment to confidentiality and to further understand how we use personally identifiable information. If you have questions about the privacy of your information, please call us at the telephone number listed in the "Where to Call" section at the end of this statement.
Opt-Out Procedures
To instruct the First Star Capital not to provide information to you about our products and services, Contact us at the number listed in the "Where to Call" section below. Please allow us up to 6 weeks for your opt-out to become effective.
Where to Call
For questions about our privacy policy, please contact us at 800-604-4817.
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