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Privacy Information

PRIVACY

Our commitment to protect the confidentiality of your account information.

All of us within the Lifespaces, Inc. family of companies respect your privacy and the personal information you share with us. To that end, we respectfully extend the following commitments:

Commitment 1
Your information will not be sold to marketers or any other third-party.

Commitment 2
Your information will not be shared beyond the Lifespaces, Inc. family of companies and firms assisting us in our day-to-day operations, and governmental agencies as needed.

Commitment 3
Credit data will not be shared among Lifespaces' affiliates or any other part without your authorization.

Commitment 4
Lifespaces and its affiliates maintain safeguards to ensure the security of your information. We also hold the firms assisting us contractually accountable to similar safeguards.

Commitment 5
We protect and safeguard the privacy information supplied on-line, just as we do through the rest of our business. Personal information provided by sending e-mail or completing guest registers or information request forms will be used to help communicate with you and to help us answer your questions.

SECURITY

Lifespaces and its affiliates have extensive procedures in place to ensure the protection of customer data. Electronically stored information is housed in a secured area with limited, password protected access. Also, as part of the Company’s disaster preparedness plan, electronic data are regularly backed up and housed in a highly secure, off-site facility. Other media (paper, microfilm, etc.) are housed in a secure area with limited access. We always strive to meet or exceed regulations on data security and customer privacy.

ACCESS: Access to customer information is highly restricted. It is limited to authorized employees of Lifespaces and service providers assisting our business operations. These individuals and firms are thoroughly screened and required to meet Lifespaces’ guidelines for data security. Periodically, we may be required to provide certain information in response to government or law enforcement agencies. Beyond these exceptions, information is not shared with third-parties outside of the Lifespaces family of affiliates.

ACCURACY: To ensure the best level of service, Lifespaces is committed to keeping its information records as accurate as possible. Transaction history is updated often, and, upon notification by you, we will update your records to reflect changes in address, account ownership and similar information that may have a bearing on your relationships with Lifespaces.

IDENTITY THEFT RESOLUTION

Identity Resolution Services powered by Identity Theft 911®, America’s leader in identity theft resolution and education, will provide you with a dedicated fraud specialist who will guide you through the complicated resolution process. Whether you have a lost or stolen wallet or are faced with a serious identity theft crisis, they handle all of the work until your good name is restored.

Identity Theft Resolution Services are free until 2010 when you opt for e-statements instead of paper statements. Click here to sign up for e-statements.

Expert assistance is only a phone call away. If you or any member of your household have any identity-related concerns, call eLifespaces’ Customer Service at 888-?? to be referred to a specialist from Identity Theft 911®.

Continued awareness is key.
Click here for access to news alerts, in-depth articles, monthly newsletters, and a wealth of preventative advice.

PRIVACY PRACTICES

The Information We Collect In order to provide or maintain your accounts, we may gather “nonpublic personal information” about you. Collected via our account application and other account documentation, this information is critical to open and administer your account. Common examples may include your account history, payment history, and similar date. Such information may come from any of the following sources:

Information we receive from you on applications, service agreements, and account forms

Information about your transactions with us, our affiliates or others

Information we may receive from third parties such as credit bureaus, property inspection services, general contractor, trade contractors, governmental permitting agencies, and others.

Attorneys, accountants, or other professionals assisting in the administration of your account(s)

Transactions facilitated through Lifespaces, Inc. affiliates

In addition to the servicing of your accounts, we may use this information to help develop new products and services to better meet your needs. It also may be used to help us alert you to products and services that may be of value to you. To provide superior customer service to our customers, it is sometimes necessary for us to share information within the Lifespaces family of companies.

Internet Privacy Practices
We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our websites. The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.

If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:

We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.

If you visit our website to use interactive tools such as IR codes translators and self-tests:

This information is NOT retained.

If you identify yourself by sending an e-mail, signing on and using our Internet Services feature, or filling out forms such as applications, reorder forms, contact forms and guest registers:

You may be asked for personally-identifying information in order to process your e-mail, transaction, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip, or a letter.

We Want To Be Very Clear...
We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect please contact us. We will investigate the situation and if appropriate update our records.

If you have any questions that are not answered in this section please contact us.

What You Should Know About Security
Lifespaces’ Internet Websites brings together a combination of industry-approved security technologies to protect data for the company and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the company's server, Secure Sockets Layer (SSL) protocol for data encryption, a router and firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the company's server, the user must key in a Log-in ID and a password. We utilize a "3 strikes and you're out" lock-out mechanism to deter users from repeated log-in attempts. After three unsuccessful log-in attempts, the system locks the user out, requiring either a designated wait period or a phone call to the company to verify the password before re-entry into the system. Upon successful log-in, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the company's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet transactions are secure.
All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Except for material clearly marked as being for distribution to end-user customers, you may not distribute, replicate, or otherwise disseminate any of the information on this site to any person who is not under a duty to Lifespaces. Inc. to keep the information confidential.
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