Online Privacy Policy

(applicable to all Website users)

  1. General Privacy Statement. We respect your privacy and the confidential nature of the information that we gather during the course of our relationship with you. This Online Privacy Policy describes our policy regarding information received about you during visits to our Website –

  2. Normal Website Usage and Cookies. You can visit our Website to read company information without telling us who you are and without revealing any personally identifiable information. During these types of visits, we may collect and store statistical information on an anonymous basis, such as the information about the time and length of your visit, the website you last visited, the pages you request, and the date and time of those requests. We may also collect and store the name of your Internet Service Provider.

We use cookies when you enter the Website to help us gather this type of statistical information that does not include personally identifiable information. Cookies are pieces of information that a website transfers to an individual’s hard drive or device for record keeping purposes so that we can track Website, and user activity. The use of cookies is an industry standard and you will find them at most websites. Most browsers are initially set up to accept cookies. If you’d prefer, you can set your browser to refuse cookies or to alert you when cookies are being sent. However, if you do so, some parts of the Website may not work properly for you.

We also use cookies to trigger certain online customer service surveys, which could be hosted on a site other than this Website. These surveys are completely anonymous and optional. The information we and any outside survey company obtain from you from an online survey is used only to improve your experience in visiting the Website or to improve our products or services or the quality of our service to our customers.

  1. Clear Gifs (Web Beacons/Web Bugs). Third party tracking utility companies employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) on the Website. These clear gifs, help us better manage content on the Website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We may also use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.  We do not have access to or control of any third party tracking technologies.

  1. Log Files. As is true of most websites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.  We use this information, which does not identify individual users, to analyze trends, to administer the Website, to track users’ movements around the Website and to improve our Website usability. We do not link this automatically-collected data to personally identifiable information.

  1. Social Media Features. Our Website may include links to social media (facebook and twitter, etc.) or to third party payment providers. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. These features are hosted by third parties. Your interactions with these features are governed by the privacy policy of the company providing it.  

  1. Do Not Track. Some internet browsers offer a “do not track” feature. When, enabled, your browser sends a signal to the sites you visit directing the sites not to track your activity. There is no common understanding of how to respond to these signals. Therefore, currently our Websites and Mobile Device applications do not respond to “do not track” signals. If you do not wish to be tracked, disabling or deleting cookies may limit some forms of tracking. Disabling or deleting cookies may affect your user experience on our Website, including preventing the usage of certain features or functions.  As described elsewhere in this Online Privacy Policy, we and our service providers may track your activity while on our Website. We may also track the website or application you were on before entering our Website and the website or application you land on after you leave our Website. Although this tracking information may be linked to your IP Address, we do not link this automatically collected data to personally identifiable information about you.  We do not have access to or control over any third party tracking other than that performed by our service providers while acting on our behalf.

  1. Collection and Disclosure of Personally Identifiable Information.

  1. Service or Promotion Data. There are instances where we request personally identifiable information to provide Website visitors a service or correspondence (e.g., promotions and mailed brochures). This information, such as name, mailing address, e-mail address, or type of request, is collected and stored in a manner appropriate to the nature of the data and used to fulfill your request. If you are our customer, the information may be shared as described below.

If you are a customer, we do not disclose personally identifiable information about you from any credit application or from credit reporting agencies, including your Social Security Number, except as permitted by law.  If you are our customer, we may disclose all of the information that we collect on you and former customers, as described below. To the extent permitted by law and in accordance with any applicable terms and conditions, the personally identifiable information we collect about you may be shared with our affiliates and service providers.

If you are a non-customer, we do not disclose personally identifiable information about you, except as permitted by law.

  1. No Sale of Data. We do not sell the data we collect from you, regardless of whether you are our customer; provided, however, we do allow service providers access to your customer information and service requests, which you post on our Website after you become a member and login to the Website.  We are paid a fee from the service providers for such access, however you control whether to permit or disallow any service provider to access your customer information.

  2. Disclosure Required by Law. We will share data we collect from or about you as required by law, such as to comply with a subpoena, or similar legal process when we believe in good faith that disclosure is necessary or proper.

  3. Device Data. We collect the following information about your computer or other device used to access the Website:  device platform, device version and other device characteristics and device IP address. We use the data we collect about your device to help authenticate you when you login, to help ensure you are able to use the Website as intended, to perform analysis on web traffic on an aggregated basis and or to route traffic more efficiently. We do not ask you for, access, or track any location based information from your mobile device at any time while downloading or using our mobile applications, if any, or services.

  4. Marketing Offers Delivered on Website. We collect information about your activity on the Website. While you are on the Website, we may deliver product and service offers to you based on this website activity information and after you login to the Website, based in part on your account history or other experience with us or our service providers.

  5. Access to Your Account Information on Third Party Websites. We may offer customers and our service providers the ability to give you secure access to your account information on their respective websites and mobile device applications (each a “Third Party Site Access”). Third Party Access does not involve us sharing your account information with our customers or service providers.  

  6. You May Request a Copy of our Terms and Conditions. We continuously strive to comply with all applicable federal and state privacy laws. You may request a copy of any privacy policy or terms and conditions applicable to you by visiting our Website or mailing a written request to 11118 Hunting Path Ct. Houston, Texas 77065.

  7. Your Privacy Choices. If you are our customer, you may have certain privacy choices under applicable federal and state privacy laws. To learn more about your privacy choices, if any, refer to any terms and conditions on our Website or mailing a written request to 11118 Hunting Path Ct. Houston, Texas 77065.

  8. Promotional Emails and Texts. If you wish to unsubscribe from any promotional email or text (including SMS text) that we may send to you, please follow the unsubscribe instructions included in each such communication. You may not be permitted, however, opt-out of communications which are not promotional in nature.  

  9. Changes to Our Online Privacy Policy. As permitted by law, we may change this Online Privacy Policy by posting a revised version of the policy to the Website. If the changes are material, we will provide notice of the changes on the Website prior to the changes becoming effective. We encourage you to periodically review the Website for information on our privacy practices related to the Website.

  10. Accuracy of Your Information. You may contact us at regarding the accuracy, deletion, completeness and substance of the information collected about you while you are on our Website. In some cases, we may not be able to delete your personally identifiable information, in which case we will let you know if we are unable to do so and why. We will respond to your request for access within 30 days.

  11. Confidentiality, Security, and Data Retention. We restrict access to nonpublic personally identifiable information about you, including your social security number, to those employees and other persons hired by us who need to know the information to provide products and services to you and to otherwise service your account(s) with us. We maintain physical, electronic and procedural safeguards that comply with applicable federal standards to guard your nonpublic personally identifiable information.  You can personally confirm the security of the site by viewing our certificate information. For Internet Explorer users, this can be found by clicking on “File” from your tool bar then “Properties” then “Certificates.” It should indicate that the certificate is issued to and issued by COMODO RSA Domain validatin secure server CA . For Firefox users, the certificates can be viewed by clicking on the lock icon in the bottom right corner of the browser. We will retain your information in accordance with our data retention policies including for the purposes of servicing your relationships with us, if any, and for internal analysis.

  12. Assistance for Victims of Identity Theft. If you believe that your Account has been subject to unauthorized access, please contact us immediately at You may also contact your local law enforcement agency or file a complaint with the Federal Trade Commission at

  13. Children’s Privacy. Our Website is not directed to children under the age of thirteen (13) nor do we market our products or services to such children. We do not knowingly collect any data from children. Our products and services are not available to anyone who is not of legal age to sign a fully enforceable contract. In most states, a person must be at least 18 years of age to sign a fully enforceable contract.