At HarpAmerica.us Client Services, customer service, trust and confidence are a high priority. That's why we welcome this opportunity to describe our privacy policies, the steps we take to protect and maintain your information and to let you know how you can choose how your customer information may be shared.

Information Collection

We collect:

Information we receive from you on eligibility online applications or other forms (such as your name, address, assets, income and debt)
Information about your creditworthiness, credit history and other facts about you that we obtain from consumer reporting agencies or from providers of marketing and demographic information
Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan balances or your property insurance coverage

Protecting the Confidentiality and Security of Your Information
Keeping financial information secure is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.

Information Use and Disclosure
We may share information we have about you to give you superior service and to make a wider range of products available to you on a limited basis.

We may disclose some or all of the information that we collect as permitted by law. For example, we may share personal information:

With regulatory authorities and law enforcement officials
To protect against fraud
To report activity to credit bureaus
To respond to a subpoena

Maintenance of Accurate Information
We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Cookies and Other Technical Information.
We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "Web beacons," which monitor your use of our Web sites. Tracking systems (Web beacons or Web bugs) are small strings of code that provide a method for delivering a graphic image on a Web page for the purpose of transferring data, such as the IP (Internet Protocol) address of the computer that downloaded the page on which the Web beacon appears, the URL (Uniform Resource Locator) of the page on which the Web beacon appears, the time the page containing the Web beacon was viewed, the types of browser that fetched the Web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, Web beacons let us know whether you received and opened our e-mail.

On their own, cookies or Web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish one of our Web sites with personally identifiable information, this information can be linked to the data stored in the cookies/Web beacons.

Your ongoing use of our Web sites constitutes your acceptance of this Privacy Policy, and you specifically agree to our described use of cookies and Web beacons. You may adjust your browser to reject cookies from us or from any other site. Additionally, by setting your Web browser to display HTML e-mails as text only, you may be able to prevent the use of some Web beacons. Please consult the "Help" section of your browser for more information.

However, certain areas of our Web sites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.