WHAT DOES THE IRWIN FAMILY OF COMPANIES* DO WITH YOUR PRIVATE INFORMATION?
Financial companies choose how they share your private information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell consumers how we collect, share and protect their personal information. Please read this notice carefully to understand what we do.
The types of private information that we collect and share depend on the product or service you have with us. This information can include:
- Social Security Number or Tax ID Number
- Income
- Account balances and payment history
- Credit history and credit scores
When you close your account, we retain information about you according to our policies.
All financial companies need to share client's private information to run their everyday business-to process transactions, maintain client accounts, and report data which is required to be reported to the credit bureau agencies. In the section below, we list the reasons financial companies can share their client's private information; the reason Irwin chooses to share; and whether you can limit this sharing.
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|
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| For our everyday business purposes - to process your transactions, maintain your account, and 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 (See #2) |
| For our affiliate's everyday business purposes - information about your transactions and experiences |
Yes |
No |
| For our affiliate's everyday business purposes - information about your creditworthiness |
Yes |
No |
| For our affiliates to market to you |
Yes |
Yes (See #2) |
| For non-affiliates to market to you |
No |
We dont share |
We notify you about our sharing practices when you open an account and each year while you are a client.
To protect your private information from unauthorized access and use, we use security measures that comply with federal laws. These measures include safeguards and secured files and buildings.
We collect your private information, for example, when you
- open an Irwin account or deposit money at Irwin.
- pay your bills from your Irwin account or apply for a loan with Irwin.
- use your Irwin credit card or debit card.
We also collect your private information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit sharing only for
- affiliates to market to you.
- non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.(See #2)
The actions necessary for a financial company to run the business and manage client accounts, such as
- processing transactions, mailing, and auditing services
- providing information to credit bureaus
- fraud detection and prevention
- as required by law
Companies related by common ownership or control. They can be financial and non-financial companies.
(See * for a list of the Irwin family of companies and affiliates.)
Companies not related by common ownership or control. They can be financial and non-financial companies.
Formal agreements between non-affiliated financial companies to market a financial product or service to you.
By mail: Mark your choices on the printable form, fill it in and send it to:
Irwin Financial Corp.
CIF Department
500 Washington Street
Columbus, Indiana 47201
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