Luce, Smith & Scott, Inc. does not sell your personal information to anyone.  Ensuring your privacy is very important to us.  Our business is based on trust, and we intend to do all we can to maintain your trust in us!

INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following resources.

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates or others.
• Information we receive from a consumer reporting agency.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

DISCLOSURE TO AFFILIATES OR NONAFFILLIATED THIRD PARTIES

Luce, Smith & Scott, Inc. does not disclose, and does not intend to disclose, nonpublic personal information about our customers or former customers to affiliates or nonaffiliated third parties, except as permitted by law.  Permitted disclosures include these made:

• In conjunction with the administration, processing or servicing of your account;
• With your consent or at your direction;
• To protect against or prevent actual or potential fraud, unauthorized transactions claims or other liabilities; or
• To governmental or law enforcement agencies to the extent specifically permitted or required.

CONFIDENTIALITY AND SECURITY OF PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information in order 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.