Privacy Information

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The following explains Tammac Financial Corp.'s policy on collecting and managing information about our customers. The policy outlines how we protect the security and confidentiality of our customer's confidential and personal information. This notice is provided to you as required by federal law and regulations.

Keeping Our Privacy Policy Current

Our Privacy Policy will change as new laws are passed and information is updated. We will inform you of any changes as required by law. You can always review our current policy by revisiting our website, emailing us at info@tammacfinancial.com or calling us at 1.800.640.6753 (U.S. only) and requesting a copy of the policy.

Also, as long as you are an active customer, we will provide you with a copy of the Privacy Policy annually.

Information We Collect About You

While providing our professional services to you, or even when you visit our website, we collect information about you. Some of this information is considered personally identifiable financial information or nonpublic personal information.

We may collect information to help identify you, evaluate your application or service and manage your account.

We collect nonpublic personal information about you from the following sources:

- Information on applications and other forms provided by you or on your behalf, for example: name, address, social security number, income, assets and debts.
- Information about any transactions or experiences with us, for example: account balance or payment history.
- Information from credit reporting agencies, for example: your creditworthiness and/or credit history.
- Information from outside sources obtained when verifying information provided on any applications or forms, for example: anything from current or past employers or financial statements from banks.

We do NOT disclose or sell any nonpublic personal information about you, except as permitted by law.

We are affiliated with Tammac Holdings Corporation, but we do not share any information about our customers with Tammac Holdings Corporation.

Should we change our policy on sharing or disclosing information, we will immediately inform you and give you an opportunity to decline or "opt-out."

Disclosure of Information About Former Customers

Our policies and practices regarding the use of nonpublic personal information on former customers is the same as we have disclosed for our current clientele.

How We Protect Your Information

We restrict access to nonpublic personal information only to those employees who need that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We inform our employees of their obligations to protect all your information.

Protecting the Accuracy of Your Information

It is important that your account information be kept accurate. If you discover your account information is inaccurate, incomplete or outdated, please call us at 1.800.326.8332 (U.S. only) or send us a correspondence to Tammac Financial Corp., 100 Commerce Boulevard, Wilkes-Barre, PA 18702. We will promptly correct or update any wrong information.

Protecting Your Privacy Online

If you are just browsing our website, you remain anonymous. We do not use "cookies" to collect ANY information on visitors to our website.

If you send us information online, we may collect the data you send, such as application information and email correspondence. We retain this information only for as long as needed, such as to process your loan application or to respond to your inquiry. We regularly delete information when it is no longer pertinent. Only those individuals who need to have access to your information are authorized to do so. We maintain physical, electronic and procedural safeguards to protect our customer data and records. We use a range of internet security measures, such as routers and firewalls that act as barriers between our network and others. If you apply online, the information provided is protected by Secure Socket Layer (SSL) technology- a leading security protocol for data transfer on the Internet. The SSL technology encrypts your account information as it moves from your PC?s browser to our computer systems. However, messages you send to us by email are not secure. If you need to send us confidential information (other than by way of the online application), we recommend that you write to us or telephone us.

If you use a link from our web site to another company's website, our Privacy Policy is no longer in effect. You should review the privacy policy of any website you visit before you provide any personal information.

Children

Our products and services are aimed at contractually responsible adults and we do not knowingly market to or solicit data from children. We are not responsible for the practices of any other companies or websites to which our website may link.