This statement was last updated on October 1, 2007
 |
Capital Zenith is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the site http://www.CapitalZenith.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe. |
If you have questions or concerns regarding this statement, you should first contact Capital Zenith at (850) 222-8291 or by email at privacy@CapitalZenith.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your concerns.
Our primary goal in collecting personal information is to provide you with a smooth, efficient and customized experience. We respect the privacy of our customers and are committed to protecting their information on our Web-sites with the same care we use for all Capital Zenith transactions. Our Customer Information Privacy Principles serve as standards for all Capital Zenith employees for collection, use, retention, and security of individual customer information.
You can browse our site without identifying yourself or revealing any information about you or your company. If you choose to apply for one of our programs through our site, the information you provide will be used to screen and evaluate your application, and provide you with the best option suited for your current credit situation. Initiating the application process constitutes consent for us to use the information as described in this policy.
Collection and Use
Capital Zenith collects and retains only customer Information that is needed:
We limit the amount and type of customer information we collect and retain to that which is required to establish and manage customer accounts, understand customer needs, provide customer services, offer new products and services, and comply with legal and regulatory requirements.
Opt-Out:
We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional new products and services emails you may opt out, by emailing us at privacy@CapitalZenith.com or clicking the unsubscribe link that is located at the bottom of each communication.
If you apply for a loan, request a free consultation, contact Capital Zenith with questions or comments, we require that you provide certain personally identifiable information, including your name, address, phone number, email, employment status, and Social Security number. This information is necessary to process your application and to contact you, which we will only do in connection with your application submitted to us.
Access
Capital Zenith employees are responsible for customer information protection:
We limit employee access to customer information to those employees with a legitimate business need for the information. We have policies, procedures, and communication programs designed for the protection of customer information. It is the responsibility of each Capital Zenith employee to comply with our Customer Information Privacy Principles policies and procedures. Failure to comply subjects our employees to disciplinary action.
Capital Zenith strives to maintain the accuracy of customer information:
We have implemented internal controls and procedures designed to keep and report customer information as accurately and completely as possible. We respond promptly when a customer tells us his or her information is not accurate. Only the customer can request a modification of his personal information which Capital Zenith will do promptly after verification of customer’s identity.
Security
Capital Zenith Limits the Disclosure of Customer Information:
We will not disclose personally identifiable information to third parties unless there is an appropriate legal or business justification. “Business justification” means only the following: We will share information with our partners only to the extent necessary to fulfill you loan or other service application you have submitted with us. When we contract with a company to perform specific services in connection with your application require that company to maintain the confidentiality of customer information. We will continuously assess our business practices to ensure that customer privacy is respected.
Capital Zenith Provides Security Safeguards To Protect Customer Information:
We use advanced technology and information management techniques to implement security, audit, and control programs designed to protect customer information. We use SSL (Secure Socket Layer) Technology to ensure that your application information cannot be accessed during transmission to our servers. We also use SSL authentication technology to confirm the identity of both the computer ending and the computer receiving your application information. This safeguard keeps unauthorized people and companies from accessing your information. We also use technical security measures to prevent unauthorized access to data stored on our secure servers.
Restrictions on the Disclosure of Account Information:
State and federal agencies require us to provide certain information regarding the number of financing applications submitted to us. This information, when disclosed, is in aggregate form and does not contain any of your personally identifiable information. State and federal examiners may periodically audit consumer files. These audits ensure that we are complying with the regulations in place to protect consumers.
While you are using Capital Zenith, you may be linked or directed to other third party sites outside Capital Zenith that are beyond Capital Zenith’s control. Capital Zenith collects some of the information on our web site by the use of co-branded forms such as those with Credit.com and Citifinancial. You should review the applicable privacy policies of these third parties before providing personally identifiable information. Capital Zenith is not responsible for any actions or policies of such third parties . These companies are required to adhere to federal and state privacy regulations.
Cookies and Log Files
Capital Zenith does not use cookies to track personal information. Capital Zenith does use persistent cookies to track anonymous user behavior on the site. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. For more information on how to remove cookies please click here. If you choose to disable cookies, you will still be able to access all pages of the Capital Zenith website.
This privacy statement covers the use of cookies by Capital Zenith only and does not cover the use of cookies by any advertisers. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.
Capital Zenith uses log files to collect anonymous, non-personal identifiable information about your navigation throughout our website. We gather technical information for routine website maintenance, to establish if you are a unique visitor, and for the purpose of assessing the effectiveness of our website, products and services.
Contact US
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update or delete the information by emailing our Customer Support at privacy@CapitalZenith.com or by contacting us by telephone or postal mail at the contact information listed below.
Capital Zenith
1123 N. Bronough Street
Tallahassee , FL. 32303
(850) 222-8291
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
