At NWOL HOST we are committed to protecting the privacy and security of our customers' personal information and ensuring its accuracy.We collect and maintain information about you to enable us to protect the security of your account(s), conduct our business in a manner consistent with federal and state regulations, and provide you with offers and information on products and services to meet your needs and satisfy legal requirements.
This Corporate Privacy Policy describes how NWOL HOST collects and uses your personal information and how we maintain its confidentiality and accuracy.
How We Obtain Personal Customer Information: This policy principally governs how NWOL HOST uses non-public personal customer information. Non-public personal information is defined in applicable law and generally means financial information that is identified with you that is not obtainable from a public source. We obtain personal customer information primarily from when you open an account with us, submit a credit or account application, or provide information to us over the phone or via our Website.We may also obtain such information from other sources, such as credit reporting agencies or references. We also maintain personal customer information resulting from your experience and transactions with us.
In the conduct of our business, we collect and maintain various types of information about our customers, including:
·Identification information, such as account number, password, address, phone number and PIN code.
·Information regarding your creditworthiness, that you provide us when applying for an account (Business accounts only).
·Account activity information, such as balances and transaction history.
How We Use Your Personal Information: We use your personal information only for legitimate business purposes in a manner consistent with business practices and in compliance with applicable laws and regulations. The following summarizes the principal ways in which NWOL HOST uses such information:
·To protect the security of your account. As an example, we use your personal information for identification purposes to prevent unauthorized people from accessing your account.
·To conduct our business in a safe and sound manner. For example, we use information gathered in applications to insure we operate in a prudent manner consistent with the requirements of Federal regulations.
·To satisfy legal requirements. For example, we use your Social Security or EIN number for federal income tax reporting purposes.
Sharing Personal Information with Unaffiliated Third Parties: At times we disclose your personal information to companies or entities that are not affiliated with NWOL HOST, such as in the following circumstances:
·Third Party Services We may provide your personal information, on a confidential basis, to companies that provide services to NWOL HOST. For example, to a data processing company that provides us with account or billing maintenance and statement printing services, companies that assist us in collecting payments or marketing companies that market NWOL HOST products and services on our behalf.All third party service providers agree to maintain the confidentiality of any information that is shared, and to use the information only for the specific purposes identified in the agreement between NWOL HOST and the third party.
·Joint Marketing Programs We may share your personal information with another organization with which we establish a joint marketing relationship.For example, we may enter into a joint marketing agreement with a financial institution that will enable you to obtain services that are not available from NWOL HOST, such as credit cards.
·Legal Requirements We are sometimes required to disclose your personal information in order to comply with subpoenas, court orders, and legal reporting requirements, such as payment reporting to the IRS.
·Credit Reporting Agencies We may disclose information relating to our experience with you to credit reporting agencies or similar organizations.
·Written Consent We may disclose your personal information with your written consent, including when you give someone power of attorney or other authorization to act on your behalf.
·Business Transfers We may disclose your personal information in connection with a transfer of accounts or a line of business to another company.
·Fraud and Unauthorized Transactions We may disclose personal information to protect NWOL HOST and your account against fraud and unauthorized transactions; to comply with credit card company rules and regulations; to resolve customer disputes; and as necessary, to NWOL HOST's regulators, attorneys, accountants and auditors.
·Regulators/Auditors/Consultants NWOL HOST regularly hires independent auditors to analyze our operations, and regulatory agencies examine NWOL HOST's records as required by law. As we design or improve our products or services, NWOL HOST may also hire consultants to provide us with technical expertise. Your personal information may be shared with auditors, bank examiners, or consultants strictly on a confidential basis.
·Account Number/Access Code - In no event will NWOL HOST share your account number or access code with an unaffiliated third party for any marketing purpose without your authorization.
·Website For customers and applicants using NWOL HOST's Website, all visitor information is collected along with any information that you volunteer while using our Website.
·Links to or from NWOL HOST's Website NWOL HOST is not responsible for information practices employed by Websites linked with our Website.Generally, links to non-NWOL HOST Websites are provided solely as pointers to information on topics that may be useful to users of NWOL HOST's Website.
·Encrypted Information All appropriate information provided on NWOL HOST's Website is encrypted or scrambled in order to secure information.
Protecting Personal Information From Unauthorized Access NWOL HOST maintains systems, policies and procedures to protect your personal information from being accessed by unauthorized people.We limit employee access to personal customer information to those with a legitimate business reasons for such access.We train our employees and authorized vendors in our Privacy Policy and Procedures; each employee is required to acknowledge receipt and understanding of our Privacy Policy and Procedures and is held accountable for adhering to them.
Accuracy of Customer Information We know it is imperative that the information we maintain about your account with us is as accurate as possible.We maintain internal controls to help ensure the accuracy of such information.If you believe that any such information is inaccurate or incomplete, please contact us and we will take appropriate action to correct or amend our records if we determine that they are inaccurate.
Policy Updates This privacy policy may change from time to time.You may obtain the most current copy of this privacy policy by calling us or visit our Website at http://www nwolhost.com or by calling 1-866-355-8899.
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