Privacy Policy
We Are Committed to Safeguarding Customer Information
In order to better serve your needs now and in the future, we may ask you to provide us with certain information. In order to provide the products and services you request from us, we may also obtain consumer reports and other information from the consumer reporting agencies and our affiliate consumer reporting agency companies. We understand that you may be concerned about what we will do with such information – particularly any personal or financial information. We agree that you have a right to know how we will utilize such information. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

Applicability
This Privacy Policy governs our use of the information that you provide to us or we otherwise obtain in providing our products and services to you.

Types of Information
Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:
Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means
Information about your transactions with us, our affiliated companies, or others; and
Information we receive from a consumer reporting agency and other data and information providers
Changes to Information
If you want to update or correct information you have provided us, you can do so by sending us a letter to 2605 Camino Del Rio South 4th Floor, San Diego, CA 92108, emailing us at info@nccdirect.com, or calling us at 1-800-340-2009. If you want to correct information in a consumer report we provide on you that you believe is incorrect, you can do so through the dispute resolution process provided under the Fair Credit Reporting Act or other applicable laws.

Use of Information
We request information from you or obtain information about you for our own legitimate business purposes and not for the benefit of any third party. Therefore, we will not release your information to any party, whether affiliated with us or not, except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information, including during the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis.

Former Customers
Even if you are no longer our customer, our Privacy Policy will continue to apply to you.
Confidentiality and Security
We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities that need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and NCC’s guidelines. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NCC may, from time to time, contact you via e-mail to inform you of changes or updates to our site or products. We will never send you a request via e-mail for any personal information (e.g., social security number, account number, date of birth, etc.). If you receive an e-mail asking for personal information, please contact our Technical Support Department at 1-800-340-2009 so we can take the proper action to protect you.

Material Changes in Privacy Policy and Former Statements
Any material changes to our Privacy Practices or security procedures will be posted on this page so that you are always aware of what information we collect and how we use it as well as the latest material changes we make to our security procedures.