Privacy Statement (Effective May 5, 2016)
The directors, management, and staff of Overnite Capital are concerned about and respect the privacy of our customers’/consumers’ non-public personal information. We understand that our customers furnish sensitive information to us in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.
Protecting Your Information
Access to your non-public personal information is limited to those Overnite Capital employees who need to know the information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal information. We continually assess new technology for protecting information.
Information We Collect
We collect non-public personal information about you to help serve your financial needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements. These types of non-public personal information may include:
- Information we received from you on loan applications, or other forms, such as your name, address, and social security number.
- Information about your transactions with us, such as your payment history, account number, and account balance.
- Information from outside companies or third parties (i.e. credit bureaus) such as credit reports, motor vehicle reports and demographic information.
We use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on your past visits to our website.
We have implemented and use display advertising for remarketing purposes. To opt out of Google Analytics click here.
Information Sharing Policy
Overnite Capital and its affiliates do not now, nor do they intend in the future, to disclose any non-public personal information to any non-affiliated third party, except as permitted or required by law or regulation. When processing customers’ transactions, information is provided to unaffiliated third parties as necessary to effect, administer, or enforce a transaction requested or authorized by that customer, or in connection with servicing or processing a financial product or service that the customer has requested or authorized.
We may also disclose information we collect, as described above to companies that perform marketing services on our behalf or to other organizations with whom we have joint marketing agreements to offer financial products and services to you. When we disclose information to these types of third parties it will be under an agreement requiring them to protect your non-public personal information and prohibiting the use of the information beyond the performance of specified services on our behalf.
We do not share any non-public personal information about our former customers with anyone, except as permitted or required by law. If you terminate your relationship with us, we will adhere to the information policies and practices described in this policy, with regard to information we have collected on you.
Please note that we collect information regarding your visit to our website for marketing purposes and statistical analysis. Visitors who have enabled the “Do Not Track” option in their web browser are advised that certain elements about your visit are still used by us for these purposes.
Other parties may collect non-public personal information about your online activities over time and across different websites when you visit our website or use one of our services. For example, we may permit a third party to place advertisements on our website and the advertiser may place cookies on your browser permitting the advertiser to track your movement across websites.
Required Information Sharing
We are permitted or required by law to share your non-public personal information with attorneys, accountants, auditors to enforce Overnite Capital’s legal or contractual rights, credit bureaus and government entities in responding to subpoenas and other legal processes. We also share non-public personal information with whomever you request.
Notification of Changes
The privacy statement is subject to change at any time. We will communicate any material changes as required by law. We will post the revised online privacy notice on your website with a link at on our home page http://www.overnitecapital.com/privacy-policy. Our home page will also have a statement notifying readers that our online privacy notice has changed and the effective dates of the changes. Also the effective date stated at the top of this policy will be revised in conjunction with any material updates performed.
Termination of a Line of Business
Overnite Capital may make a decision to sell a particular line of business. Usually, an integral part of that business is its customer database. Overnite Capital reserves the right, in circumstances such as these, to transfer ownership of such customer database to the purchaser.
Online Privacy of Minors
Our website is not directed to children under the age of 18. We do not knowingly solicit data from, and do not knowingly market to, persons under the age of 18.