NCEP Privacy Disclosure
At NCEP, we recognize that our customers
and other visitors are concerned about privacy. We want you to be confident
that we make every effort to safeguard the security and confidentiality of your
nonpublic personal information.
Companies Choose How They Share Your Personal Information. Federal law gives consumers the right
to limit some but not all information sharing.
Federal law also requires us to tell you how we collect, share, and
protect your personal information.
Please read this notice carefully to understand what we do. This Privacy Notice is being provided on
behalf of NCEP It describes the general policy of NCEP regarding the personal
information of customers and former customers.
We May Collect. The types of personal information NCEP
collects and shares depends on the product or service you have. NCEP may collect the following personal
information: (1) Social Security Numbers; (2) account balances; (3) assets; (4)
payment history; (5) credit history; (6) credit scores; (7) information NCEP
receives from your account file at the time NCEP purchases or begins to service
your account, such as your name, address, Social Security Number, and assets;
(8) information that you may give NCEP through discussion with you, or that NCEP
may obtain through your transactions with NCEP, such as your income and payment
history; (9) information that NCEP receives
from consumer reporting agencies, such as your creditworthiness and credit
history, and (10) information that NCEP obtains from other third-party
information providers, such as public records and databases that contain
publicly available data about you, such as bankruptcy and mortgage
filings. All of the personal information
that NCEP collects is referred to in this notice as “collected
information.” When you are no longer our
customer, we continue to share your information as described in this notice.
Information Is Collected. All financial companies need to share
customers’ personal information to run their everyday business. In the section below, we list the reasons
financial companies can share their customers’ personal information; the
reasons NCEP chooses to share; and whether you can limit this sharing. We
collect your personal information, for example, when you: make a payment, make
a wire transfer, give us your contact information; pay us by check; pay your
account by wire transfer; and, provide employment information. We also collect your personal information
from others, such as consumer reporting agencies (credit bureaus).
Confidentiality and Security of Collected Information. NCEP restricts access to collected information about you to individuals who need to know such collected information in order to perform services in connection with your account. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. NCEP maintains physical safeguards (like restricted access), electronic safeguards (like encryption and password protection), and procedural safeguards (such as authentication procedures) to protect collected information about you. These measures include computer safeguards and secured files and buildings. We also restrict access to trained and supervised employees and third parties who agree to follow our policies and procedures.
Information with Affiliates and Third Parties
with Affiliates. From time to time, NCEP may share collected
information about customers and former customers with the following affiliated
financial services companies in connection with administering and collecting
Credigy Solutions Inc.
with Third Parties. NCEP does not share collected
information about customers or former customers with third parties, except as
permitted by applicable privacy law. For
example, collected information may be shared in certain circumstances (A) with
third parties, to service or enforce accounts, (B) with consumer reporting
agencies (credit bureaus), and (C) with law enforcement officials, to protect
against fraud or other crimes.
Can’t I Limit All Sharing? Federal law gives you the right to limit
only: sharing for affiliates’ everyday business purposes – information about
your credit worthiness; affiliates from using your information to market to
you; and, sharing for non-affiliates to market to you. NCEP does not share your personal information
in ways that would allow you to limit such sharing.
Notice Regarding Collected Information Subject to the Fair Debt Collection Practices
Act. This Privacy Notice is provided in
accordance with federal privacy law, and it describes NCEP’s privacy practices
generally. However, please be assured
that collected information that is received or used for purposes of collecting
a debt subject to the Fair Debt Collection Practices Act is communicated only
in accordance with that Act.
and More Information. If you have any questions or would like
additional information, please contact NCEP at (866) 678-4153 or NCEP, 2877
Paradise Road, Unit 303, Las Vegas, Nevada 89109.
Notice for California Residents.
Consumers may make
requests pursuant to the California Consumer Privacy Act by email at email@example.com and by phone at (866) 678-4153.
NMLS ID No. 1268809