INTERNATIONAL SERVICES LIBERTY ACE MANAGEMENT, INCORPORATED (I.S.L.A.M., INC.) is committed to our relationship with you. One of our top priorities is to provide you, our customer, with outstanding products and services.  In order to do this, we must collect, maintain and use certain personal and financial information about you and your activities with us.  We recognize and respect your privacy concerns and expectations about how we use this information. We want you to know about our privacy policies and practices, and what we do to protect the information you share with us. Please read this Consumer Privacy Policy carefully and keep it for your records.

 

Collection and Use of Customer Information

We collect, retain and utilize information about you to operate our business and to make products, services and other opportunities available to you.  Much of the information we collect, such as account balances, credit information, and payment history, is of non-public personal nature.  We obtain this information (collectively, “Customer Information”) about you from a variety of sources.  These include:

 

(1)    Information we receive from you on applications and other forms.  This may include information such as your address, phone number, social security number, employment, etc.;

 

(2)    Information about your transactions with us, our affiliates or others.  This may include information such as your account balances, payment history, etc.;

 

(3)    Information we receive from a consumer reporting agency.  This may include information about your credit history and creditworthiness, etc.

 

Also, when you visit our Website, we sometimes collect anonymous information to help us provide better customer service.  For example, we keep track of the domains from which people visit and we also measure visitor activity on our Website, but we do so in ways that keep the information anonymous.  We may use this data to analyze trends/statistics.

 

Disclosure of Information

We will not sell your Customer Information to any outside organizations without your consent.  Additionally, we will not disclose your Customer Information to any of our related companies or outside organization other than described in this policy.

 

We may disclose your Customer Information (described above) to (1) financial service providers and other financial institutions with which we may enter into joint marketing agreements from time to time, (2) non-financial companies that are related to us, such as ________________, and (3) as otherwise permitted by law, under the following circumstances:

 

To Marketing Service Providers and Joint Marketing Partners

We may disclose all Customer Information described above (i) to companies that perform marketing services for us or for one or more other financial institutions with whom we have joint marketing agreements, and (ii) to other financial institutions with which we have joint marketing agreements.

 

Among Our Affiliates

We may share Customer Information pertaining to our relationship with you with companies that are related to us by common ownership or control, such as UTT.  This may include identification information, account balances and payment history.

 

With Other Third Parties

In addition, in order to service your account, we may share Customer Information about you with other non-affiliated third parties that provide services, including but not limited to collection, invoicing and customer service, and as otherwise permitted by law.

 

Protection of Information

We maintain appropriate procedures to protect the security of your Customer Information.  Our employees receive training and understand the importance of confidentiality and customer privacy.  We restrict access to your Customer Information to those who has reasonable business purpose.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your Customer Information.  Even if you decide to close your account(s) and/or repay your loan(s) or otherwise become an inactive customer, any Customer Information we have about you will remain subject to the privacy policy and practices described in this Consumer Privacy Policy.