We want you to understand what personally identifiable information ("information") that is collected through a website operated by Claudio Pensieri ("we" or "us") and how it may later be disclosed.
You can visit a website and find out about Claudio Pensieri products and services and use value-added services that may be available without giving us any information about yourself.
If you must register at a website to use one of its features or are interested being contacted by Claudio Pensieri about its products and/or services, you may input information about yourself at the website.
Where available, you may update your contact information online.
Otherwise, you will need to contact Claudio Pensieri at the telephone number provided in order to do so.
Any information you provide to us will be handled in accordance with the "Claudio Pensieri Privacy Pledge to Consumers".
Non-customers who receive promotional e-mail messages about Claudio Pensieri products and services may elect to not receive ('opt out' of) further messages.
If you opt out from receiving these e-mail messages, we will retain your e-mail address solely for the purposes of honouring your request.
In order to provide better service, we may use "cookies", which may be set by us or by another company for us.
A cookie is a small piece of information that a website stores on your web browser that can later be retrieved and read only by the same site.
You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.
Claudio Pensieri collects information about customers through the applications it receives and from other sources.
If you are a customer, additional details about the information we collect and how it may be disclosed is contained in Our Privacy Notice, which is provided to you at account opening.
If you wish to review information provided on online applications, you can contact us to request a copy of the personal account information you provided through our customer service numbers.
There may be a charge for certain information that is requested.
It may also be possible for Customers to review and change contact information such as address, phone and e-mail information by signing on and updating their personal profile.
To protect your privacy, proof of identity or other authentication is required any time you contact us.
The Information we collect about you comes from the following sources:
• Information we receive from you on applications or other forms, such as your name, address, and telephone number.
• Information about your transactions with us, our affiliates, or non-affiliated third parties, such as your account balances, payment history and account activity.
• Information we receive from a consumer reporting agency such as your credit bureau reports and other information relating to your creditworthiness, and information we receive about you from other sources, such as your employer and other third parties.
Claudio Pensieri may share information with several types of entities, including other affiliates, as well as non-affiliated third parties, as described below.
Our affiliates are the family of companies owned by the shareholders of Claudio Pensieri.
Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, insurance and securities.
Non-affiliated third parties are those not part of the family of companies owned by the shareholders of Claudio Pensieri.
We may disclose personal information about you to the following types of non-affiliated third parties:
- Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities and insurance.
- Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.
The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed.
Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
Effective date: this policy was last modified on February 2014.