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What We Collect
We obtain
nonpublic personal information such as, name,
address, tax return information and other
information about Consumers who authorize us to
collect information from the following sources:
● Consumers
themselves
● Benefit Providers
● The United States Internal Revenue Services
("IRS")
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Disclosing Information
We
obtain this information to assist Benefit
Providers who wish to furnish a benefit
requested by the Consumer. We disclose the
information only to Benefit Providers and others
with a legitimate purpose in connection with the
transaction initiated by the Consumer. We
also use the information for various internal
business purposes such as: customer services,
consumer services, fraud prevention; and
broadening and improving the services and
products we can offer. The process is
performed in a manner that significantly
enhances the Consumer's ability to receive a
quick and fair decision from the Benefit
Provider.
Tax Return Information
Special
conditions apply to the disclosure of tax return
information. The tax return information we
receive through the IRS is revealed only to
those that participate in the transaction for
which the taxpayer release form (IRS form
4506-T) was intended. (See Disclosing
Information). NCS retains such information
no longer than necessary to meet the objectives
of the transaction or as required by law.
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Accuracy
NCS has
established procedures to assure that the
information communicated accurately reflects the
information received from the IRS. NCS
will respond to any legitimate request to
correct inaccurate information in the manner
provided by the Fair Credit Reporting Act.
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Limiting Employee Access to Information
NCS's
employees are trained about the importance of
the obligations regarding the privacy and
confidentiality of the information we receive.
Only those employees having a legitimate
business reason have access to such information.
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Keeping Consumer Information Secure
NCS
maintains physical, electronic and procedural
safeguards to guard the Consumer's nonpublic
personal information. Information on
Consumers that is displayed through our web site
is transmitted through a secured socket layer (SSL)
128 bit transmission. Further, nonpublic
personal information we retain is subject to
numerous measures designed to help protect it
from unauthorized access or alteration,
including for example, firewalls, physical
security measures, restricted employee access
and encryption of certain information.
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What About Cookies?
A
cookies is small piece of information sent by a
Web server and stored by the web browser so it
can later be read back by the web browser.
Cookies enable the browser to be identified to
the server, and allow the server to maintain an
active "session" with an individual user.
Cookies help the browser remember some specific
information. We make limited use of
cookies. For example, cookies that we may
use are "per session." A cookie creates a
tracking identification number each time the
user logs-in at the web site. This
tracking number makes authorized registration
accessible for each transaction made during that
visit. This permits authorized visitors to
access more than once during a session without
re-entering identity information each time.
As a precaution, inactivity for a specific
period with terminate the session and the cookie
associated with that session.
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Keeping Up-To-Date
We want
Consumers to be fully informed about how we will
protect their privacy. We may change our
privacy policy in the future, but we will not
change our practices until we have notified
Consumers. Consumers who visit this site
agree that we may notify them of changes in our
policy through this website. Consumers
that have any questions about our Privacy and
Opt-Out Notices or about our information
practices can inquire by clicking
Contact Us.
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Other Sites
As a
convenience to our web site visitors, our web
sites contain links to other sites to help
educate visitors to our web site about the law
and practices related to credit issues.
The owners of those sites are responsible for
their content and privacy practices and our
policies do not extend to those sites.
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