This site uses a feature of your browser called a "cookie" to assign a "User I.D." Cookies, by themselves, cannot be used to find out the identity of any user. Your Market Tech Media User ID automatically identifies your computer-but not you-to our servers when you visit any of our websites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

We only grant access to nonpublic personal information about you (such as your name, address, Social Security number and credit history) to company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business. Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

We collect nonpublic personal information about you from the following sources:
From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, Social Security number, credit history and other financial information.
From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.
From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.
From third parties to verify information you have given us.

We may share all the information that we collect, as described above, for the following purposes: To provide you with the products and services you requested.
To offer you additional products and services, from us or from others, that may be of interest to you.
To comply with reporting and other legal requirements.
To otherwise conduct business.
Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information."

Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information-that is, information other than transaction and experience information-is referred to in this Privacy Policy as "other information."

You have the right to ensure that other information is not shared among our affiliates. If you prefer that we not share other information among our affiliates, you may opt-out of those disclosures by following the steps in the "Your Opt-Out Choices" section.

Once we receive your opt-out request, we will stop sharing this information as soon as reasonably practicable. Your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request.

We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other institutions with whom we have joint marketing arrangements. We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us.

Please be advised that the opt-out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.

Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as: Nonaffiliated companies, such as firms that offer value-added packages of products and services (including discounted travel services, discounted hotel accommodations and shopping services). If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt-out of those disclosures (other than those permitted by law) by following the steps in the "Your Opt-Out Choices" section.

We will stop sharing this information as soon as reasonably practicable. Again, your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request.