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Privacy

FACTS
                     
Rev. January 2011
FACTS       
WHAT DOES DAVE SMITH FRONTIER SALES
DO WITH YOUR PERSONAL INFORMATION?
               
       
Why?
       
Financial companies choose how they share your personal information.        Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
       
               
       
What?
       
The types of personal information we collect and share depend on the product or service you have with us. The information can include:      
      Social Security number and income      
account balances and payment history     
credit history and employment history     
            When you are no longer our customer, we continue to share your information as described in this notice.
       
               
       
How?
       
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their  customers' personal information; the reasons Dave Smith Frontier Sales chooses to share; and whether you can limit this sharing.   
       
                                                                                                                                                                                                                   
       
Reasons we can share your personal
information
       
Does Dave Smith Frontier Sales share?   
       
       
Can you limit this sharing?   
       
       
     For our everyday purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
      
Yes   
       
       
No   
       
       
     For our marketing purposes-
to offer our products and services to you
      
Yes   
       
       
No   
       
       
     For joint marketing with other financial companies
      
Yes   
       
       
No   
       
       
     For our affiliates' everyday business purposes--
Information about your transactions and experiences
      
Yes   
       
       
No   
       
       
     For our affiliates' everyday business purposes--
Information about your creditworthiness
      
Yes   
       
       
Yes   
       
       
     For our affiliates to market to you
      
Yes   
       
       
Yes   
       
       
     For our nonaffiliates to market to you
      
Yes   
       
       
Yes   
       
                 
       
Questions?
       
Call 800-635-8000 ext 1216 or to opt out - go to: davesmith.com/optout.htm