Data Protection and Privacy
Futura Card Services values your trust and respects your expectation
of privacy. As such, we are committed to maintaining the confidentiality
of your personal financial information.
1. We do not disclose nonpublic personal information about our
current or former customers to unaffiliated third parties except
as set forth in this policy or as required by law.
2. We do not share nonpublic personal information with outside
parties who may wish to market their products to you. You do not
have to take any action or instruct us to keep your information
confidential. We will protect your privacy automatically.
3. We collect and maintain customer information as part of servicing
your account and in order to understand your needs, administer our
business, process your transactions, and provide you with products
and services. We obtain customer information about you from the
following sources:
- Information you provide to us by telephone, on applications,
in membership requests, at our web site, and on other forms (such
as your name, address, telephone number and date of birth);
- Information about your transactions with us, joint marketers,
or others (such as your card balance, payment history, parties
to transactions, and card usage); and
- Information we receive from a consumer reporting agency (such
as your creditworthiness and credit history). We may disclose
all of the information we collect, as described above, to financial
institutions with whom we have joint marketing agreements, such
as insurance agents and card issuers, so that they can market
goods and services to you. We also may disclose:
- Some of this information, such as your name and address, to
companies that perform marketing services on our behalf (e.g.,
to companies that assist us with mailings).
- Information about your card and transactions: (a) where it
is necessary or helpful to effect, process or confirm your transactions;
(b) to verify the existence and availability of funds associated
with your card; (c) to comply with legal process, such as subpoenas
and court orders; (d) to law enforcement authorities if we believe
a crime has been committed; and (e) if you give us your consent.
Important Notice about Credit Reporting.
We may report information about your account(s) to credit bureaus
and/or consumer reporting agencies. Late payments, missed payments,
or other defaults on your account(s) may be reflected in your credit
report and/or consumer report.
Information Security.
We restrict access to nonpublic personal information about you
to our employees who have a need to know such information (e.g.,
to process your transactions). We train our employees on the importance
of customer privacy and confidentiality. We also maintain physical,
electronic, and procedural safeguards that comply with federal standards
to guard the nonpublic personal information of our customers.
Other Privacy Rights.
We will comply with applicable state laws regarding the information
we share about you. Certain state laws restrict the types of information
that we may disclose about you or require that we provide you with
additional notices or opt-out rights. If our records reflect that
you are a resident of Vermont, for example, our sharing of information
about you with nonaffiliated third parties with whom we have joint
marketing agreements will be limited to information about your name,
contact information, and our transactions with you.
