This policy describes the ways we collect, store, use and protect your personal information. You have accepted this policy by signing up and using our services. We may amend this policy at any time by posting a revised version on our website and the revised version will be effective at the time we post it, although we will post a notice on our web page 30 days in advance of any substantial changes. 

How we collect information about you

When you visit the Co-op Financial Solutions website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.

If you open an account, we collect the following types of information from you:

• Contact information - your name, address, phone, email, and other similar or identifying information.
• Financial information - the bank account numbers and credit card numbers that you link to your Co-op Financial Solutions account.

Before permitting you to use our services, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.
When you are using our services, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.
Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

How we use cookies

When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.
We may send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
We may also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.
We will encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.

How we protect and store personal information

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include anonymous information that does not identify a specific user.
We store and process your personal information on our computers, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

How we use the personal information we collect

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:

• provide the services and customer support you request;
• process transactions and send notices about your transactions;
• resolve disputes, collect fees, and troubleshoot problems;
• prevent potentially prohibited or illegal activities;
• customize, measure, and improve our services;
• send you targeted marketing, service update notices, and promotional offers based on your communication preferences; and
• compare information for accuracy and verify it with third parties.

How we share personal information with merchants

To process your payments, we may need to share some of your personal information with the Co-op Financial Solutions client or the person or company from which you made purchases or otherwise incurred a financial obligation, and your contact, account and payment information may be provided to that merchant.
If you are buying goods or services and pay through Co-op Financial Solutions, we may also provide the merchant with your confirmed billing address or other necessary personal information to help complete your transaction with the merchant. The merchant is not allowed to use this information to market their services to you unless you have agreed to it.
We work with merchants to enable them to accept payments from you using Co-op Financial Solutions. In doing so, a merchant may share information about you with us, such as your email address or other identifying information, when you attempt to pay that merchant. We use this information to confirm to that merchant that you are a Co-op Financial Solutions customer and that the merchant should enable Co-op Financial Solutions as a form of payment for your purchase.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Co-op Financial Solutions, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

How we share personal information with other parties

We may share your personal information with:

• Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts will dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Financial institutions that we may partner with. These financial institutions may only use this information to market Co-op Financial Solutions-related products, unless you have given consent for other uses.
• Credit bureaus to report outstanding negative balance accounts, as allowed by law.
• Law enforcement, government officials, or other third parties when
• we are compelled to do so by a subpoena, court order or similar legal procedure,
• we need to do so to comply with law, or
• we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations or suspected violations of your user agreement.
• Other third parties with your consent or direction to do so.

Co-op Financial Solutions will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.

How you can contact us about privacy questions

If you have questions or concerns regarding this policy, you should contact us by  writing to us at Co-op Financial Solutions, Attn: Manager, P.O. Box 3003, 180 Old Nashville Highway, LaVergne, TN  37086, which is also where Co-op Financial Solutions maintains its principal office.

This Policy was last modified on February 1, 2009 and applies to the United States.