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State Capital Financial recognizes the sensitive nature of your
personal financial information as well as your current position. We want
to protect your privacy at all times. To this end, we want you to
understand the information we will collect about you and how we use this
information. Accordingly, we have prepared this document which explains
the State Capital Financial privacy policy relative to our client
accounts. This policy is applicable to all accounts serviced by State
Capital Financial and applies to all consumers who are customers or
former customers
What information we collect
In
serving your needs, it is important to have accurate information about
you. Therefore, when you apply for our program we collect information
from you. The type of information requested varies based on the service
you have requested and may include information such as your name,
address. social security number, income, expenses, assets and employment
history. We receive this information from you on our Free Consultation
Form and on our Program Application Form. If we need to know about your
credit history, we also receive information from third parties such as
credit reporting agencies or other creditors. In addition, we collect
and maintain information about your transactions with our affiliates,
others, and us. This information includes account balances, payment
history, credit card usage, and parties to transactions. In this policy,
we refer to this information as "private information"
How we use this information
We will not
disclose your private information, as described above, to any
organization, affiliated or non-affiliated, unless this disclosure:
(1) is necessary to effect, administer, or enforce a transaction,
service, or inquiry you have initiated. For example, we occasionally
enter into agreements with companies whose expertise is necessary to
provide the service you have requested. They include specialized firms
for check printing, to execute security transactions as well as provide
data processing services;
(2) is necessary to perform marketing services on our behalf, so that we
may better understand your financial needs and determine how we can help
you meet those needs;
(3) is necessary to facilitate or consummate our business transactions
with third parties which does not include the selling of information for
the purpose of further solicitation.
(4) is necessary to
offer you debt settlement service options that State Capital Financial
TM is unable to provide you due to state of residency restrictions,
inability to qualify for our programs due to hardship or fee structures,
and other legal or non-legal limitations set forth by the respective
states.
As we stated in our pledge to you, we do not share information with
outside companies for the purpose of selling their products and
services. Since we do not share information with third parties, beyond
what we have disclosed above, it follows that we do not offer you an
opportunity to opt out of this sharing.
Keeping your information private
We take steps to safeguard customer information. We maintain
physical, electronic, and procedural safeguards that comply with federal
standards to guard your customer information against unauthorized
access. We also take appropriate corrective action when needed to
enforce employee compliance with our procedures with respect to the
privacy of client information. We may also ask you for personal
information in order to verify your identity when you request assistance
from us
As previously mentioned, if we work with other companies who provide
services on our behalf or in the case of jointly offered products, we
will maintain contracts with our partners which will require them to
comply with our Privacy Policy and to keep this information secure and
confidential.
Privacy online
Our system safeguards include the use of encryption to protect
the confidentiality of data that you transmit to us over the Internet.
When you visit one of our websites, we may collect and store information
about your visit on an anonymous, aggregate basis. This information may
include information such as the time and length of your visit, and the
pages you looked at on our site. No confidential information is
collected from you online, unless you have provided it to us. We use
this information only to measure site activity and to develop ideas for
improving our sites.
We strongly urge you to use 128-bit encryption. Your level of encryption
can be found for Internet Explorer by clicking www.microsoft.com or in
Netscape Communicator or Navigator by clicking www.netscape.com. If you
are using a browser other than Microsoft's Internet Explorer or
Netscape's Communicator or Navigator please check directly with your
browser's software publisher.
Although we take all possible precautions to safeguard your information,
you should never send confidential information via e-mail. The e-mails
you send us are not secure. Customers always have the option of mailing
or calling us to provide any information they wish to keep confidential.
Cookies
Cookies are pieces of data assigned by our web server and stored
on your computer's hard drive for later retrieval. This helps us
recognize you the next time you visit our site We will not use cookies
to record information that will enable anyone to contact you via
telephone, e-mail, or regular mail.
You can set your browser to reject cookies or to reject cookies when you
are just browsing and accept cookies when you want to conduct online
transactions. For instructions on how to accept or reject cookies you
may go to Netscape Communicator or Navigator: at www.netscape.com and
click on 'Browser Central,' or, Internet Explorer: at www.microsoft.com.
Go to the help menu, and click "online support." If you are using a
browser other than Microsoft's Internet Explorer or Netscape's
Communicator or Navigator, please check directly with your browser's
software publisher. We may use a third party tracking service to track
information about your visit to our site for market research.
We may also use clear gifs. Clear gifs are used to tag the pages you
visit on our site to help us improve the design and content of our site.
All of this information is considered confidential and is only available
for our use.
If you have questions
about this privacy policy notice please write to your Account Manager
at:
SCF - State Capital
Financial, Inc
1920 E. Hallandale Beach Blvd., Suite 806
Hallandale Beach, Florida 33009
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