YOUR PRIVACY RIGHTS
This is our privacy notice for our consumer customers. This policy applies to all of the companies within the Tucker family. Currently, those companies are F.C. Tucker Company, Inc., Title Services, L.L.C., Tucker Mortgage, L.L.C., L.T., Inc., d/b/a Tucker’s Home Services, Tucker/Schrader Auction Company, L.P., Tucker School of Real Estate and Tucker Referrals, Inc..
When we use the words “customer” or “you”, we mean all individual consumers who have obtained a financial product or service from us primarily for personal, family or household purposes.
If you share your account relationship with another person, for example, you are a co-borrower or joint holder of an insurance product, please share this information with the other person.
We first define some terms.
We, our,and usmeans F.C. Tucker Company, Inc., Title Services, L.L.C., Tucker Mortgage, L.L.C., L.T., Inc., d/b/a Tucker’s Home Services, Tucker/Schrader Auction Company, L.P., Tucker School of Real Estate and Tucker Referrals, Inc. and any future affiliates.
Nonpublic personal informationmeans information about you that we collect in connection with providing a financial product or service to you for personal, family or household purposes. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
Affiliateis a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
Nonaffiliated third partyis a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
- Information that we receive from you on applications or other forms
- Information about your transactions with us, our affiliates, or others; and
- Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We may disclose all of the information we collect, as described above, to nonaffiliated third parties as permitted by law and to companies that perform marketing services on our behalf or to other third parties with whom we have joint marketing agreements. An example of a joint marketing agreement that we currently have is our joint marketing agreement involving insurance products with a division of Acordia of Indiana, Inc. that does business as Tucker Shepherd Insurance.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
Federal law allows us to disclose all of the nonpublic personal information that we collect, as described above, with our affiliates and we may share this information with them. Under the Fair Credit Reporting Act, however, you have the right to direct us not to share certain of this information with our affiliates. We are still permitted to share other information, including identification and transaction information, with our affiliates under the Fair Credit Reporting Act and other law.
TYPES OF AFFILIATES
Currently, our affiliates include a real estate brokerage company, a title insurance agent, a mortgage broker, a real estate auctioneer, a provider of home services, a referral service and a school. In the future, we may have additional types of affiliates, such as:
- Financial and other service provider. Those may include:
- Insurance agents
- Credit card issuers
- Commercial banks
- Mortgage bankers
We reserve the right to disclose nonpublic personal information that we collect to affiliates, in accordance with our current policy.
We may share nonpublic personal information of former customers with our affiliates in the same manner that as we do with respect to current customers.
REASONS FOR DISCLOSURE
Here is why we might disclose customer’s nonpublic personal information with any affiliates that we might acquire:
- To provide our customers with information about additional products and services
- To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves
YOU HAVE THE RIGHT TO CHOOSE
We have explained our policy about the protection of nonpublic personal information about our customers. We have also explained our policy regarding disclosure of information about our consumer customers to non-affiliates and affiliates, the limits that we impose upon such disclosure and why such sharing of information valuable.
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may do so by calling our Chief Financial Officer, Patrick Purdue, at the following toll free number: 1-800-659-0432.