FirstPlus Financial Group, Inc.'s Consumer Financial
Privacy Policy
At FirstPlus Financial Group, Inc., we recognize
that you may have concerns about the privacy of information about
you or your consumer financial accounts. We want you to be confident
that we will make every effort to safeguard the security and
confidentiality of your nonpublic personal information. This
describes the policies of FirstPlus Financial Group, Inc. relating
to consumer financial services in detail and is provided to you as
required by the federal financial privacy law (15 USC 6801-6810) and
its accompanying regulations.
If you are comfortable with
how we handle your information, you need not take any action.
This policy applies to individual consumers who inquire about or
obtain investment note, insurance or other consumer financial
products for personal, family or household purposes from an
FirstPlus Financial Group, Inc. non-bank entity. It does not apply
to our commercial customers, to other business users of our Web
sites, or to consumers who obtain services from an FirstPlus
Financial Group, Inc. non-bank entity other than the financial
services listed above (such as persons who choose to receive special
offers and services from third parties through FirstPlus Financial
Group, Inc. or its affiliates).
What Information Do
We Collect?
We may collect nonpublic personal
information about you from the following sources:
• Information that we receive from
you on applications or other forms;
• Information about your
transactions with us, our affiliates, or others;
• Information
that we receive from a consumer reporting agency; and
•
Information that we receive from commercially available mailing
lists and databases.
We may disclose some or all of the
information that we collect, as described below.
Why Do We Collect This Information?
We collect information about you and your accounts to ensure account
security, improve our customer service, process your accounts more
efficiently and help design new products and services that we
believe you will find useful.
Sharing of Information within FirstPlus
Financial Group, Inc.
We may share information about our
experience with you and your accounts with subsidiaries and
affiliates of FirstPlus Financial Group, Inc.
Sharing Information with Others
We may disclose all of the nonpublic personal information we
collect, as described above, to companies that perform marketing
services on our behalf or to other financial institutions with whom
we have joint marketing agreements. Additionally, we may disclose
nonpublic personal information about you to financial service
providers, such as mortgage bankers or other related companies to
FirstPlus Financial Group, Inc. We may also disclose nonpublic
personal information about you to nonaffiliated third parties as
permitted or required by law. Finally, we may transfer nonpublic
personal information in connection with a sale of our business. When
we do disclose nonpublic personal information, we adhere to this
privacy policy.
Employee Access to Information and Security
Safeguards
We restrict access to nonpublic personal
information about you to those employees who need to know that
information to provide products or services to you. We maintain
physical, electronic and procedural safeguards that comply with
federal standards to guard your nonpublic personal information.
FirstPlus Financial Group, Inc Online
Accessing our Web site may result in the placement of "cookies,” a
commonly used method to identify recurring visitors. This is done to
make your repeated experience more convenient. If you have any
concerns about cookies, you can modify the setting of your Internet
browser to
prevent their use. Also, when using our site, please be aware
of the "Disclosures" page, as your access to the Web site is subject
to the terms described there.
For further information about our online policies
and terms of use, please visit our Web site at
http://www.firstplusgroup.com and click on “Disclosures”.
Your Privacy Options
If you
prefer that we not disclose nonpublic personal information about you
to nonaffiliated third parties, you may opt out of those
disclosures, that is, you may direct us not to make those
disclosures (other than disclosures permitted or required by law or
in connection with a sale of
our business). If you wish to opt out of disclosures to nonaffiliated
third parties, you may call 409.363.0695.
Joint Accounts
A joint
owner may opt out separately or on behalf of all other owners.
Making Sure Your Information is Accurate
We work to maintain complete and accurate information about you and
your accounts. If you ever believe that our records contain
inaccurate or incomplete information about you, please contact
customer service to let us know as soon as possible. We will
investigate your complaint and correct any inaccuracies as quickly
as possible.
More Information About Your Privacy
Information about you and your accounts may be disclosed in
connection with subpoenas from courts or administrative agencies,
the Internal Revenue Service and state tax authorities, fraud
investigations, audits or examinations, account information requests
from state child support
agencies and for any other purpose allowed by
applicable state or federal law.
Former Customers
We do not
disclose information about former customers who were subject to this
policy except in accordance with the terms of this policy or as may
be permitted or required by law.
Keeping You Up to Date
Annually,
we will provide you with a notice of our privacy policy and we
reserve the right to modify or supplement our policy at any time. If
we make changes, we will provide current customers with a revised
notice. You may always review our current policy on our Web site.
Updated
March 2009
