to Your Privacy
FIBER, Inc. ("FIBER") has a long-standing policy of protecting
the confidentiality and security of information we collect about our
clients. We do not share nonpublic information about you
("Information") outside of FIBER without your consent except for the
specific purposes described below, in accordance with all applicable
gather and the circumstances under which we may share it.
Why We Collect and How We Use
We limit the collection and use of Information to the minimum we
require to deliver superior service to you. Such service
includes advising you about our products, services and other
opportunities, and maintaining your accounts with us.
How We Gather Information
We get most Information directly from you, when you apply for,
access and use our and our business partners' financial products and
services--whether in person, by telephone or electronically.
We may verify this information or get additional information from
consumer reporting agencies or public sources. This
Information may relate to your finances, employment, avocations or
other personal characteristics, as well as transactions and
interactions with or through us or with others.
How We Protect Information
Our employees, acting on our behalf, are required to protect the
confidentiality of Information and to comply with our established
policies. They may access Information only when there is an
appropriate reason to do so, such as to administer or offer our
products or services. We also maintain physical, electronic
and procedural safeguards to protect Information, which comply with
will be subject to disciplinary process.
Disclosure of Information
We may disclose any Information when we believe it necessary for
the conduct of our business, or where disclosure is required by law.
For example, Information may be disclosed for audit or research
purposes, to attorneys or other professionals, or to law enforcement
and regulatory agencies, for example, to help us prevent fraud.
We may also provide Information to other FIBER-affiliated companies
with which we have joint marketing agreements enabling us to offer
you certain of its products or services. Except in those specific,
limited situations, without your consent, we will not make any
disclosures of Information to other companies who may want to
sell their products or services to you. For example, we do
not sell customer lists and we will not sell your name to
a catalogue company or telemarketer. Moreover, it is FIBER's
policy to require all third parties that are to receive any
Information to sign strict confidentiality agreements....