Privacy Notice

YOUR PRIVACY IS IMPORTANT TO US
MorEquity understands your privacy is important. We provide this notice in accordance with applicable state and federal laws and because you are a current or potential customer of  MorEquity. This notice will help you understand what types of nonpublic personal information - information about you that is not publicly available - we may collect, how we use it and how we protect your privacy.

PRIVACY POLICY HIGHLIGHTS

  • We collect nonpublic personal information including social security numbers or tax identification numbers to process and administer our customers business.
    We have policies and procedures in place to protect nonpublic personal information, including social security numbers or tax identification numbers about our customers.
  • We do not sell nonpublic personal information about our customers to third parties, i.e., companies or individuals that are not affiliated with MorEquity.
  • We do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law or for which you have provided your consent.
    We do not share or use personally identifiable health information for marketing purposes.
  • Our Privacy Policy applies to both current and former customers.


QUESTIONS AND ANSWERS
What types of nonpublic personal information does MorEquity collect?

  • MorEquity and its employees, representatives, agents and selected third parties as authorized by law may collect nonpublic personal information about our customers including, but not limited to: - Information provided to us, such as on applications or other forms - Information about transactions with us, our affiliates or third parties - Information from others, such as credit reporting agencies, employers and federal and state agencies.
  • The types of nonpublic personal information MorEquity collects vary according to the products or services provided and may include, for example: account balances, income, assets, insurance premiums, credit reports, social security numbers or tax identification numbers, marital status and payment history. We also may collect nonpublic personal health information, like medical reports, for certain types of insurance policies in order to underwrite the policy, administer claims or perform other insurance or related functions.


What does MorEquity do to protect nonpublic personal information?

  • We restrict access to nonpublic personal information, including social security numbers or tax identification numbers to those employees, agents, representatives or third parties who need to know the information to provide products and services to our customers.
  • We have policies and procedures that give direction to our employees, and agents and representatives acting on our behalf, regarding how to protect and use nonpublic personal information including social security numbers or tax identification numbers.
  • We maintain physical, electronic and procedural measures to protect nonpublic personal information including social security numbers or tax identification numbers.


With whom does MorEquity share nonpublic personal information, and why?

  • We do not share nonpublic personal information about our customers with anyone, including other affiliated companies or third parties, except as permitted by law or with companies for which you have provided your consent.
  • We may disclose, as allowed by law, all types of nonpublic personal information we collect when needed, to: (i) affiliated companies, agents, employees, representatives and third parties that market our services and products and administer and service customer accounts on our behalf; or (ii) other financial institutions with whom we have joint marketing agreements.
  • If we have a preexisting business relationship with you, we may contact you about products offered by our affiliates. In these instances, we do not share nonpublic information with these affiliates.
  • Examples of the types of companies and individuals to whom we may disclose nonpublic personal information include banks, attorneys, trustees, third-party administrators, insurance agents, insurance companies, insurance support organizations, credit reporting agencies, registered brokers/dealers, auditors, regulators, transfer agents and reinsurers.
  • We do not share personally identifiable health information unless the customer or the applicable law authorizes further sharing.


Does MorEquity's Privacy Policy apply to its agents and representatives?

  • MorEquity's Privacy Policy applies, to the extent required by law, to its agents and representatives when they are acting on behalf of MorEquity.
  • Please note: There may be instances when these same agents and representatives may not be acting on behalf of MorEquity, in which case they may collect nonpublic personal information on their own behalf or on behalf of another. In these instances, MorEquity's Privacy Policy would not apply and the agent or representative should provide you with a privacy notice from other entities which they may represent.


Will MorEquity's Privacy Policy change?

  • MorEquity reserves the right to change any of its privacy policies and related procedures at any time, in accordance with applicable federal and state laws. You will receive appropriate notice if our privacy policy changes.


This Privacy Notice is provided to you for informational Purposes only. You do not need to call or take any action in response to this notice. We recommend that you read and retain this notice for your personal files.

Copyright 2008, American General Finance, Inc. All rights not expressly granted herein are reserved worldwide.