What Information Do We Collect?
We collect Customer Information about you from the following sources:
- Information we receive from you on applications or other forms. This information may include:
- Your name
- Social Security Number
- Telephone number
- Other relevant information that you provide
- Information we receive about your account transactions with us, our affiliates, or others including the original creditors. This may include information such as:
- Account balance
- Payment history
- Account activity
- Information we receive from the consumer reporting agencies (such as credit scores and history) and other information relating to your creditworthiness.
How Do We Use Your Information?
We do not use Customer Information we have obtained about you for any purpose other than to service or manage your account(s) in the ordinary course of our business.
We do not share Customer Information we have obtained about you with affiliates or non-affiliated third parties except to the extent necessary to aid us in servicing or managing your account(s) in the ordinary course of our business, such as:
- to companies to whom we may assign your account for servicing
- to companies that provide mailing services to us; and
- to service providers that help us administer our database containing your account.
We restrict access to Customer Information about you to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards that comply with applicable laws and regulations to guard your Customer Information. Whenever we hire third parties to provide support services in order to help us service or manage your account(s), we will require them to conform to our privacy standards and to allow us to audit them for compliance. Such third parties and their employees receiving Customer Information we have obtained about you are required to limit their use of your Customer Information to the particular purpose for which it is shared and they are not allowed to share it with others except to fulfill that limited purpose.
What Are Cookies?
A “cookie” is a small line of text that is stored within your browser when you visit a cookie-enabled website. As you browse the Web, cookie-enabled sites will send cookies to your browser, along with pages. Your browser probably has options that will let you control whether the browser accepts cookies, rejects cookies, or notifies you each time a cookie is sent to you.
If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but it also makes it very difficult to offer you customized services. It is also less secure than using cookies, because all of your specific data must be sent to the website each time you view a page. Accepting cookies means your private data can stay at the Web server, and the only information transmitted over the Internet is your ID cookie.
If your browser is set to accept cookies, any cookies that are sent to your browser are stored in your computer for a period of time. There are a few different types of cookies. A “session” cookie is stored only in your computer’s working memory (RAM) and only lasts for your browsing session. When you close all of your browser’s windows, or when you shut down your computer, the session cookie disappears forever. A “permanent” cookie is stored on your computer’s hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until either a) they expire, b) they are overwritten with newer cookies, c) you manually remove them.
We use permanent cookies to supply visitors to our site with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid in your navigation and use of the site, to develop generic web site metrics and other similar uses.
Our privacy practices are designed to provide a high level of protection for your personal information and our systems. If you have any questions or comments about Westlake Portfolio’s privacy practices, you can contact us via email at [email protected] or by phone at 877-857-5688.
Version: 8/25/18 v1.0