Privacy Policy
The protection of our member’s privacy and the safekeeping of confidential information is of greatest concern to e-ChoiceSolutions, LLC. The organization complies with all applicable laws and regulations concerning the treatment of both member and non-member information, and educates all consumers to their privacy rights under law. This policy outlines the purposes which consumer information will be collected and released outside the organization.

Information Collected
e-ChoiceSolutions, LLC only collects information necessary to establish an on-going relationship with members and consumers. Information on an individual may be collected from a variety of sources, including but not limited to: membership application, loan application and credit reporting agencies. The information collected from these sources may include: social security numbers, banking account numbers and balances, retirement account numbers and balances, credit history, current and previous employment, current and previous income and information that was publicly recorded.

Information Shared with Third Parties
e-ChoiceSolutions, LLC does not provide members or consumers nonpublic personal information to any third party, except under the following circumstances:

  1. For everyday business purposes to our service providers. We use service providers to help us operate. We must share information with our service providers to enable them to perform their duties such as processing transactions, mailing, and auditing services, running our daily processing services, providing information to credit bureaus, and responding to court order and legal investigations.
  2. You specifically authorize us to share your information.
  3. To prevent actual or potential fraud, unauthorized transactions, claims or other liability.
  4. To protect the integrity and security of your records.
  5. To the extent specifically permitted or required under the Right to Financial Privacy Act, the Fair Accounting and Credit Transactions Act and the Gramm-Leach Bliley Act
  6. To a consumer reporting agency in accordance with the Fair Credit Reporting Act.
  7. To comply with federal, state, or local laws, rules, regulations, and other applicable legal requirements.
  8. For our marketing purposes to offer products and services to you, which includes situations where we have entered into agreements with other companies to perform mailing and distribution services. In these situations, we enter into agreements with the companies to treat and maintain the privacy of your information to at least the same extent and with the same degree of diligence and careful attention that is required by us.

Third Party Privacy Standards
e-ChoiceSolutions, LLC only discloses nonpublic personal information about its members or consumers, as permitted by law and set forth above, to third parties who treat and maintain the privacy of your information to at least the same extent and with the same degree of diligence and careful attention that is required by us.

Security & Confidentiality
As part of the commitment to protect the confidentiality of consumer information, e-ChoiceSolutions, LLC establishes procedures, conducts training for staff and board members on the importance of consumer privacy, and appoints a Privacy Coordinator who maintains compliance for this policy and its procedures. Members of e-ChoiceSolutions staff are only permitted to access consumer information when necessary for specific business purposes. Finally, e-ChoiceSolutions, LLC maintains physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information.

Availability of Policy
This policy is posted at www.e-choicesolutions.com. A written copy is available to any consumer upon request.