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Western
Capital Respects Your Privacy!
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Dear
Western Capital Customer, New federal legislation requires that
Western Capital notify our customers of our privacy practices. Because
your e-mail address is registered with one or more of the following
entities - mycollector.com, Cashspan.com, or a Western
Capital affiliated portal - this notice is being sent to you.
Western
Capital and its subsidiaries do not sell or share customer information
submitted to these entities to marketers outside of our own family
of companies. Therefore, you do not need to do anything to prevent
it from being shared.
Some
of you may have previously asked us not to send you newsletters
or promotional materials. That choice applies only to marketing-related
materials. You will continue to receive critical notices such as
this one.
At
Western Capital, we dedicate ourselves to revolutionizing the way
small businesses manage their business debt collection needs. In
that effort, we respect and protect the privacy of those who use
our Web sites, products, and services. Because of our role in handling
your financial transactions, new federal legislation requires us
to provide this description of our information collection and sharing
practices. This document, effective July 1, 2001, specifically describes
how we handle your personally identifiable information and applies
to financial products and services for your personal use provided
by Western Capital or companies owned or controlled by Western Capital
(hereafter referred to as subsidiaries). Additional information
about our information practices is available in the privacy statements
posted on our Web sites and in our software.
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When
you visit our Web sites, or acquire or use our products or services,
we may ask for the following types of information:
- General
information, such as your name, address, phone, and e-mail address
to fulfill your requested service and to contact you in the future.
- Information
to verify your identity, such as your mother's maiden name, in
order to provide you with secure access. We may also verify your
identity, or your status as a registered user, by means of a cookie.
Cookies may also be used to manage your shopping cart when you
purchase products on our Web sites.
- Financial
information, such as credit history obtained from a consumer reporting
agency, if you apply for a loan from us; or information we request
directly from you on your loan application; or bank account information
we request directly from you to establish your online banking
service.
- Technical
information about your computer or browser so that we may provide
you with the correct product or service you request, or to format
e-mail messages that best align with your computer's capabilities.
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When
it may be necessary to share the information you provide:
Western
Capital does not share your personally identifiable information
with third parties unless it is related to fulfilling the services
you've asked us to perform, or as is permitted by law. The information
you provide us can only be shared under limited circumstances. These
include:
- Within
Western Capital and our subsidiaries
We may share information about you, and the products and services
you have purchased from us, among Western Capital and our subsidiaries,
all of whom follow our privacy policies.
- With
service providers
In some cases, we employ service providers to provide a product
you order, to fulfill a service you request, or to market one
of our products or services. Examples include delivering products,
offering online software applications, or sending e-mails on our
behalf. While this may require us to share your information, these
service providers are strictly prohibited from using your information
other than to act on our behalf.
- If
we transfer the servicing rights of your mortgage loan
Mortgage loans are commonly sold. When transferring the service
rights of your mortgage loan, we provide your file, including
your loan application, credit report, and other loan documents,
to the loan purchaser or servicer. Loan applicants are notified
of this practice when applying for a loan from us.
- For
legal reasons
In some cases we may be required to disclose certain information
to comply with the law, an investigation, or a legal process,
such as a court order or subpoena.
- In
case of a sale of a business
Your information may be transferred in connection with a sale,
merger, transfer, exchange, or other disposition (whether of assets,
stock, or otherwise) of all or a portion of a business of Western
Capital, or its subsidiaries.
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Our
Security Safeguards
We
employ industry-standard physical, electronic, and procedural security
safeguards to protect the personally identifiable information that
you have provided to us from loss, misuse, or unauthorized alteration.
Whenever we prompt you to transmit sensitive information, such as
a credit card number, to us through our Web sites, we support encryption
of your data as it is transmitted.
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Former
Customers
We
treat information concerning our former customers the same way we
treat information about our current customers.
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Note:
We are unable to reply personally to every response to this notice.
We will make every effort to reply to specific requests.
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