Privacy
Opt-Out
Overview
Information we collect
Security Procedures
Information we disclose
Fair Credit Reporting Act Disclosure
National City's Pledge
Effective date and changes
National City Companies
Opt-Out
We will not share your nonpublic personal information
with others as defined below. National City, on your behalf, has exercised your
right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.
The basis of each customer relationship at National City is built on trust.
You have chosen to do business with National City, and we guard that relationship
with great care, beginning with the information you have chosen to share with us.
That is why we have opted out for you as a matter
of corporate policy. National City does not share information about you outside
of our National City companies unless permitted by Title V of the Gramm-Leach-Bliley
Act of 1999 and other applicable laws and regulations.
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Overview
National City Corporation, its family of financial services companies (“affiliates”)
and employees, are dedicated to protecting the privacy of your nonpublic personal
information. We maintain information about you in order to provide you with the
most effective and convenient access to our broad range of financial products and
services. We want you to understand what information we collect, and how we use
and protect it. This notice serves as a standard for all National City employees
for collection, use, retention and security of nonpublic personal consumer information.
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What information we collect
“Nonpublic personal information” is information about you that we obtain in connection
with providing a financial product or service. Such information includes for example,
account balance, income, assets, insurance premiums, payment history and overdraft
history.
We may collect nonpublic personal information about you from the following sources:
- Information that you provide to us, such as on applications or other forms
- Information about your transactions with us, our affiliates or others, or
- Information from others, such as credit bureaus, real estate appraisers,
and employers
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Our security procedures
To maintain security of customer information, we restrict access to your personal
and account information to persons who need to know that information to provide
you products or services. We maintain physical, electronic and procedural safeguards
to guard information.
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What information we disclose
National City does not disclose nonpublic personal information about you to any
companies that are not members of our corporate family (“third parties”), except
as permitted by federal law, specifically Title V of the Gramm-Leach-Bliley Act
of 1999. The confidentiality of your nonpublic personal information will continue
to be maintained consistent with this privacy notice even if you decide to close
your account(s), your account becomes inactive, or when you otherwise cease to do
business with us.
National City works with a variety of third parties to bring you financial services.
We disclose information about you as necessary to fulfill these third party service
agreements. For example, we may disclose information about you to third parties
that assist us in servicing or maintaining your loan or deposit account, or other
business relationship, such as printing checks or billing you for loan payments.
We may also disclose information about you to governmental entities, such as sending
annual income statements to the IRS, and to other third parties such as credit bureaus,
or in response to subpoenas.
We may disclose all of the information we collect, as described above, to third
parties that perform marketing services on our behalf or to other financial institutions,
such as insurance providers, with whom we have joint marketing agreements in order
to make a variety of financial services available to you*. These third parties must
agree to strict confidentiality provisions to assure the protection of your information.
Because we already limit the sharing of your nonpublic personal information as outlined
above, no action is necessary on your part to limit such sharing.
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Fair Credit Reporting Act
Disclosure*
We share information about you with our affiliates. Under the Fair Credit Reporting
Act you may direct us not to share certain credit information with our affiliates.
Examples of the kind of credit information that you may direct us not to share include
the nonpublic personal information you provide in your application or that we obtain
about you from nonaffiliated third parties such as credit bureaus. If you don’t
want such information shared you may write to us at National City Corporation, Attention:
Office of Consumer Privacy, P.O. Box 4068, Kalamazoo, MI 49009. Please provide your
name, address, social security number and account number(s).
NOTE: If you have previously requested that we restrict such sharing you do not
need to make another request.
Your request not to share credit information does not include information we
are permitted to share by law, such as information related solely to our experiences
or transactions with you. Your account balance and payment history are examples
of transaction and experience information that we are always permitted to share
with our affiliates.
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National City’s pledge to
you
We believe that your privacy should never be compromised. At the same time, we
want to offer you the array of financial products and services you need to accomplish
your financial goals. We believe we can do both by adhering to the provisions of
this privacy notice.
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Effective date and changes
The effective date of this Privacy Notice is provided below. Any updates or changes
to the Notice will be posted on this web site. Consumers who are National City customers
will be notified of updates and changes in accordance with federal law.
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National City companies
Please visit National City Bank
for a current list.
National City Bank, National City Bank of Kentucky, Inc., National City Insurance
Agency of Kentucky, Inc., NatCity Investments, Inc., National City Bank of Pennsylvania,
National City Insurance Agency of Pennsylvania, Inc., National City Bank of Southern
Indiana, Sterling Private Investments, Inc., National City Bank of Indiana, National
City Mortgage Co., National City Home Loan Services, Inc., First Franklin Financial
Corporation, The Madison Bank & Trust Company, National City Bank of the Midwest,
Allegiant Insurance Services, Allegiant Investment Counselors, Inc., Allegiant Investment
Company, NatCity Insurance Services, Inc., National City Insurance Group, Inc.,
National City Investment Management Company®, National City Mortgage, Inc., National
City Mortgage, Inc., Alliance Title Agency, LLC, New England Trust Company, N.A.,
National City Abstract, LLC, Access Financial Corp., Red Capital Markets, Inc.,
Capstone Realty Advisers, LLC, Provident Auto Leasing Company, Provident Auto Rental
Company, LLC, NatCity Trust Company of Delaware
*Vermont Residents Only: In Vermont the information we disclose under joint marketing
agreements must be limited to your name, contact information, and information about
our own transactions and experiences with you. Your consent is required before we
can share certain credit information about you with our affiliates. We are permitted
to share information which is not a credit report under Vermont law without your
consent, such as information related solely to our transactions and experiences
with you. California Residents: We
will not disclose or share information about California residents without first
providing you with a California Privacy Notice and honoring your choice unless such
sharing or disclosure is permitted by applicable law.
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(rev 1/2005)