We do not disclose nonpublic personal information about our customers or former customers to third parties, other than certain disclosures as permitted by law, therefore, no opt-out form is needed.

We may collect nonpublic personal information about you from your application, your transaction history, our affiliates, your employer if you are employed, and consumer reporting agencies.

We protect the confidentiality an security of your nonpublic personal information by restricting access to your information to our employees who need to know in order to provide service to you.  We maintain physical, electronic, and procedural safeguards to protect your personal information.