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We value you as a member and respect your right to privacy. We know that you joined our association because you trust that we stand behind our promises. We pledge our commitment to treat your information responsibly, and we created this privacy policy to show you that we are working hard to protect your privacy.

Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.

Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency, or demographic firm. This collection depends on the product or service you request.

Sharing your personal information
We do not sell your information to anyone. We may share this information with a business that carries out services and marketing for us. We may share your information as required or permitted by law. We may share your information for a legal or regulatory purpose or to combat fraud. This sharing depends on the products you select. These include the following types of information.

We may share information we receive from you on applications or other forms. This may include your name, address, social security number, and family member information. This may also include assets, income, and the property address and value.
We may share information from your transactions with our sister companies, or us. This may include your account balance, policy coverage, and payment history.
We may share information we receive from a consumer-reporting agency or other report. This may include your credit report and employment data.
We may share information with companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint-marketing agreements or to sister companies to cross-market.

Information sharing and opt out
We share your information with other iCDT Companies to cross-market our other products that might interest you. We may have relationships with other third-party business partners to offer additional products. We may share your information with these third parties. You can ask us not to share your information for marketing purposes with other iCDT Companies, other third parties, or both. If you choose to do so, please call us toll free at 1-888-728-7728. If you have already opted out, you do not need to do so again.

We will not share the personal information of iCDT members with any affiliates or third-party companies for marketing purposes without your consent.

Internet Policies

What information does iCDT collect from websites?
iCDT may collect the information you provide when you:

iCDT contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

Visitor Data
iCDT collects site-aggregate and member-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a member volunteers on surveys and electronic forms. This information is used to improve our websites.

iCDT gathers data on its websites. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our website. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data:

Use of "Cookies"
We store a cookie on your computer when you visit our website. A cookie is a tiny piece of information that is required to create and maintain a secure session. Our cookies let you request information and do business online. Our cookies do not have confidential or personal information. Our cookies do not track a user after leaving our website.

Additionally, some of our advertising partners may also place a cookie on your computer. Advertising partners' cookies may track you. The primary purpose of these cookies is to analyze how users move within our website.

Other Online Security
iCDT also uses a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our website and your computer.

E-Mail
iCDT keeps the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public website, this communication may not be secure.

Web Links
It is important to note that other companies or organizations may have links on iCDT websites. We are not responsible for the collection, use, or security of information by the companies or organizations outside of the iCDT family of companies. Please read the privacy policy of websites reached through the use of links from iCDT websites.

Why does iCDT collect information on its websites?
iCDT or our business partners use the information from our websites for many purposes:

What happens if iCDT changes its privacy policy?
If we decide to change our privacy policy, we will post the changes on our homepage. This way you always know what information we collect, how we use it, and under what circumstances we disclose it.

If we decide to use your personal information in a different way than for the use that we told you when we collected it, we will notify you by posting a note on our website for 30 days.

Questions
We value our members and want you to understand how we use the information we collect. For questions about our privacy policy, please call 1-888-728-7728. We will provide you a copy of your personal information that we control and can reasonably retrieve.

We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we reserve the right to charge a fee in the future. You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them. Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency's name and address. You may ask the agency to give you a copy of your report.

This privacy statement describes our privacy practices for both current and former members. We will provide one copy of this notice. Please share this information with all co-borrowers. If you request, we will send more copies of this statement.

If you have questions or concerns regarding this statement, you should first contact us at 1-888-728-7728.