Saks Fiancial Inc - Privacy
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At Saks Financial Inc. our Privacy Policy is simple and straightforward: We respect your privacy, and we are committed to protecting it.

We protect the confidentiality and security of your personal and financial information by placing you, our Customer, in control of the process. We allow you to consent to information sharing before it occurs.

Saks Financial Inc is committed to these following Privacy Principles.

1. We limit how, and with whom, we share your information based on your choice.

Saks Financial Inc will only share your personal and financial information with others:

                    at your request;

to process or service a transaction or product authorized or requested by you;

when required by law to disclose such information to appropriate authorities;

to companies that assist us in marketing our products and services;

as otherwise allowable by law, such as sharing with data processors, credit bureaus, printers, shipping houses, etc.

We do not share your personal and financial information with others for marketing purposes, except at your request.

2. We collect only the information necessary to deliver the products and services you request.

Saks Financial Inc collects only the personal and financial information about you necessary to serve your financial needs, to protect against fraud, and to fulfill legal and regulatory requirements.

We collect the following:

Information we receive from you on loan applications and other forms, and any other information you subsequently provide to us orally, in writing or through the Internet;

Information about your transactions and communications with us;

Information we receive from credit bureaus; and

Information from public records accessed in the ordinary course of business

3. We establish safeguards to ensure the security and confidentiality of your information.

Saks Financial Inc restricts access to your personal and financial information to our employees who need it to do their job. Employees with access to your information are required to strictly maintain the confidentiality of all customer information.

4. We maintain your privacy even after you cease to be our customer.

By using our web site, applying for a loan, you consent to the collection and use of information as set forth in this Privacy Policy.

Saks Financial Inc. commits to uphold this Privacy Policy. That's our pledge to you.

Keep your private information private - this will help prevent identity theft.

Limit telemarketing calls by adding yourself to the National Do-Not-Call registry.

Never give out personal financial information online or over the phone unless you have initiated the contact. Legitimate companies will never request that you submit confidential customer information over non-secure channels such as e-mail or phone calls initiated by them. Numerous companies have been attacked by perpetrators sending out very official-looking emails or making phone calls, asking that the consumer verify their account information, or re-submit their login, user ID, or PIN. This information is recorded by the perpetrator and used to commit fraud.

Don't include information such as your Driver's License or Social Security numbers on your pre-printed checks.

Keep your Social Security card, birth certificate and other personal identification in a safe place.

Memorize all Personal Identification Numbers (PINs) such as your ATM card PIN, and online passwords. Do not keep such numbers in your wallet or purse.

Don't use the same passwords for other websites that you use for sensitive, secure sites such as on-line banking. If the other sites aren't as security-conscious as a bank, your password may be compromised.

Choose PINs and passwords that aren't duplicate of other personal information (i.e. don't use the last 4 digits of your social security number).

A good password is one that is easy for you to remember, and difficult for others to figure out! Don't use information about yourself that could easily be found out by others.

Opt-out, opt-in, what does it all mean?

Congress recently passed legislation designed to give consumers more control of the privacy of their information. Control to you means that you have the ability to determine who is allowed to see and use your information. There are two different ways this control has been implemented in American businesses.

Opt-out: Organizations with an "opt-out" privacy policy provide you with the opportunity to say that you do not want them to share your information. This choice may apply to specific relationships of the organization, or it may be a general ban on sharing. An "opt-out" policy implies that, unless you make a specific request, the organization is able to say that you have given consent to them to share your information.

Organizations with an "opt-out" privacy policy provide you with the opportunity to say that you do not want them to share your information. This choice may apply to specific relationships of the organization, or it may be a general ban on sharing. An "opt-out" policy implies that, unless you make a specific request, the organization is able to say that you have given consent to them to share your information.

Opt-in: Organizations with an "opt-in" privacy policy cannot share your information unless you specifically tell them to. The Organization may request (suggest) that you provide authorization for them to share your information with certain organizations with which they are affiliated.

Organizations with an "opt-in" privacy policy cannot share your information unless you specifically tell them to. The Organization may request (suggest) that you provide authorization for them to share your information with certain organizations with which they are affiliated.

Organizations with an "opt-out" privacy policy provide you with the opportunity to say that you do not want them to share your information. This choice may apply to specific relationships of the organization, or it may be a general ban on sharing. An "opt-out" policy implies that, unless you make a specific request, the organization is able to say that you have given consent to them to share your information.Organizations with an "opt-in" privacy policy cannot share your information unless you specifically tell them to. The Organization may request (suggest) that you provide authorization for them to share your information with certain organizations with which they are affiliated.

Reduce the unsolicited marketing you receive by opting out, which is a legally binding agreement. Below is a list of some organizations that collect and sometimes share information about you. Choosing to opt-out can also help protect you from identity theft
 
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