We collect certain personal information about you from the following
(a) information we received from you
(b) information about your transactions with our affiliates, others or us
(c) information we receive from consumer reporting agencies.
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We restrict access to nonpublic information about you to those employees and entities that need to know that information in order to collect your account. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.