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Amscot recognizes the sensitive
nature of your nonpublic personal information, and we take
precautions to protect your privacy. When you provide us with
this information, we will use it only in accordance with our
strict guidelines
We have prepared this policy to explain what types of information
we collect, and under what circumstances we may share it with
others. This policy covers check cashing, money order, money
transfer, deferred presentment and all other financial services
transactions that you conduct with Amscot. We hope that you
will thoroughly review all of the details of Amscot's official
policy on privacy. Importantly, we want you to know and understand
that Amscot uses your nonpublic personal information responsibly
and only in order to:
| Provide
you with the financial services you have requested. |
| Offer
you other financial services from Amscot. |
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Make doing business with Amscot more convenient for
you. |
In no event do we provide your account
or nonpublic personal information to anyone outside of Amscot
for the purpose of independent telemarketing or direct mail
marketing of any non-financial products or services. We also
maintain physical, electronic and procedural safeguards to
guard against the unauthorized disclosure of this information
Only in extremely limited circumstances, outlined below, do
we share your information with other financial services firms.
Amscot collects nonpublic personal
information about you from the following sources:
| From
you when you apply to conduct check cashing, money order,
money transfer, deferred deposit and other financial
services transactions with us. Amscot may ask you to
provide information about your financial status, such
as employment and income, as well as identifying information
such as your address, telephone number, and social security
number. |
| From
your transactions with us. We maintain information about
your transactions with Amscot including the types of
transactions and payment history. |
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From the bank where you maintain your checking account. |
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From consumer credit reporting agencies and from persons
we contact when we verify information you provide on
applications to do business with us including your spouse,
relatives, and employer. |
We do not disclose any nonpublic
personal information about you or our former customers to
anyone, except as permitted by law. These disclosures include
the following:
| Within
Amscot. We restrict access to nonpublic personal information
about you to those of our employees who need to know
that information to provide the products or services
that you have requested to you. Our employee handbook
instructs employees to maintain the confidentiality
of your nonpublic personal information. |
| Companies
With Whom Amscot Has Product or Service Agreements.
In order to provide you with the financial products
and services you request or may find desirable, Amscot
will provide nonpublic personal information to nonaffiliated
third parties with whom Amscot has an agreement to provide
such products and services. For example, Amscot and
NetSpend Corporation have an agreement to offer our
customers a prepaid cash-based debit card issued by
Inter National Bank, N.A. Because we view the prepaid
debit card as a financial product that our customers
need and expect Amscot to provide, we work closely with
NetSpend to make it available to you, and will provide
NetSpend with information we collect from you on applications
for the debit card. In addition, Amscot and Bank One,
N.A., have an agreement to offer our customers refund
anticipation loans in connection with their federal
income tax obligations. Pursuant to this agreement,
Amscot will provide Bank One with information we collect
from you about your income, expenses, and potential
income tax liabilities. Further, Amscot and Western
Union Financial Services have an agreement by which
Western Union will make money transfer services available
to our customers. Pursuant to this agreement, Amscot
will provide information to Western Union that it collects
from you on the send, receive and other forms used to
initiate these transfers. Each of the companies with
whom Amscot has product or service agreements has agreed
to strictly safeguard the confidentiality of your nonpublic
personal information, and they are not permitted to
share this information without Amscot's permission or
except as otherwise required by law. |
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Companies You Ask Us to Share Information With. Amscot
may get permission from you to share your information.
If you grant permission, it will only apply to the specific
program or programs you consent to. If you have previously
requested that we block the sharing of you information,
that request will remain in place for all other situations. |
| Outside
Service Providers. At times, we have arrangements with
companies whose assistance is essential for the delivery
of our services to you. For example, we work with data
processing, computer programming and computer software
firms to ensure that Amscot's computer systems function
properly. We also engage a third party to assist us
in conducting the federally-mandated comparisons of
prospective customers with the U.S. government lists
of terrorists and other Specially Designated Nationals.
These firms perform their services at Amscot's direction
and, as permitted by law, we share customer information
necessary to perform these services to them. As with
all of our business partners, these companies are required
to safeguard your information and use it only for authorized
purposes. |
| Consumer
Reporting Agencies and Database Operators. It is standard
industry practice and within federal and state law to
provide data about customer repayment transactions and
defaults to these agencies and other creditors. In addition,
if you conduct a deferred presentment transaction with
Amscot, Florida law requires that we disclose information
about the proposed transaction to the operator of a
state-wide database that monitors all such transactions
of deferred presentment providers. |
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Courts and Government Bodies. Federal and state laws
may require us to share information about you. For example,
if you are involved in a legal matter with a third party,
we may be ordered to provide information to a court
or other party. In these circumstances, only the information
required by law, subpoena or court order will be provided. |
If you have any questions about
Amscot's Privacy Policy, you may write to the Chief Compliance
Officer, Amscot Corporation, Suite 1200, 600 North Westshore
Boulevard, Tampa, Florida 33606 or call 1-813-637-6100.
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