EffingHAM Music Fest

Privacy Policy

At EffingHAM Music Fest, we are committed to providing you with the finest music experience, backed by consistently top-quality service. While information about you is fundamental to our ability to do this, we fully recognize the importance of keeping personal and account information secure.

To offer you the finest music experience and services, EffingHAM Music Fest may on occasion share information about you, both internally and outside of EffingHAM Music Fest. We want you to understand our information safeguards, the type of information we collect and share, in addition to the benefits you receive when we share information about you.

This notice describes the privacy practices of EffingHAM Music Fest, including our information collection and sharing practices, then allows you to decide whether or not EffingHAM Music Fest may share certain information about you, either within or outside of our company.

Our Security Procedures

EffingHAM Music Fest understands the importance of protecting, securing and using information appropriately. Access to information about you is restricted to the people EffingHAM Music Fest who require it to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards for the security of information.

When EffingHAM Music Fest shares information about you with external companies, we require them to impose safeguards, use the data only for a permitted purpose, and to either return it to us or destroy it once that purpose is served. We limit the amount of information shared to what is appropriate to offer a product or service efficiently. EffingHAM Music Fest requires any company, which receives information from us, to sign a Confidentiality Agreement containing these requirements and obligating that company to protect the information as EffingHAM Music Fest would.

Information We Collect

EffingHAM Music Fest collects and uses nonpublic personal information about you to conduct our business and to consistently deliver the top-quality Customer Care that you expect from us. Sources of this information include the following:

  • Information we receive from you on applications and other forms or through your correspondence or communication with us including through the mail, by telephone or over the Internet;
  • Information we receive from third parties, such as consumer reporting agencies, to verify statements you have made to us, or regarding your employment, credit, or other relationships; and
  • Information about your transactions with EffingHAM Music Fest and with other companies outside of EffingHAM Music Fest.

Information We Share Within EffingHAM Music Fest

We may share all of the information we collect about you with financial service companies within EffingHAM Music Fest to offer additional products or services that may interest you and best meet your needs. We believe this is convenient for you and may save you both time and money. To do so, we share identification information (such as name and address), transaction and experience information (such as purchases and payments), credit eligibility information (such as credit reports and applications), and other information. The decision to purchase any such products or services is yours alone. You may tell us not to share credit eligibility information about you within EffingHAM Music Fest, but please understand this does not prohibit us from offering you additional products and services or from sharing transaction and experience, identification, and other information within EffingHAM Music Fest.

Information We Share With Others

From time to time, we may allow companies outside of EffingHAM Music Fest to offer you their products and services that may interest you. Subject to applicable law, we may share all the information we collect with these companies outside of EffingHAM Music Fest, unless you tell us not to.

ADDITIONALLY, WE MAY SHARE ALL THE INFORMATION WE COLLECT WITH COMPANIES THAT PERFORM MARKETING OR OTHER SERVICES ON OUR BEHALF OR TO OTHER FINANCIAL INSTITUTIONS WITH WHICH WE HAVE JOINT MARKETING AGREEMENTS. WE ARE ALSO PERMITTED BY LAW TO SHARE INFORMATION ABOUT YOU WITH OTHER COMPANIES IN CERTAIN CIRCUMSTANCES. FOR INSTANCE, WE MAY SHARE ALL OF THE INFORMATION WE COLLECT WITH COMPANIES ASSISTING US IN SERVICING YOUR LOAN OR ACCOUNT, WITH COMPANIES THAT ENDORSE OUR PRODUCTS AND SERVICES THROUGH AFFINITY AGREEMENTS, WITH GOVERNMENT ENTITIES IN RESPONSE TO SUBPOENAS OR REGULATORY REQUIREMENTS, AND WITH CONSUMER REPORTING AGENCIES. IF YOU TELL US NOT TO SHARE INFORMATION WITH COMPANIES OUTSIDE OF EffingHAM Music Fest THAT WISH TO OFFER YOU THEIR PRODUCTS AND SERVICES, AS DESCRIBED ABOVE, PLEASE UNDERSTAND THAT WE WILL CONTINUE TO SHARE INFORMATION IN THESE ADDITIONAL CIRCUMSTANCES.

Important Information About Your Choice

We're dedicated to serving your needs - and to respecting your choices related to privacy. You may tell us not to share information within EffingHAM Music Fest, and you may tell us not to share information with companies outside of EffingHAM Music Fest that wish to offer you their products and services as described above. If you wish to opt out of such information sharing, please call toll-free 866-350-4543. We will ask you to verify your identity and the specific accounts to which the opt out applies, so please have all your account information readily available when you call.

EffingHAM Music Fest APPLIES OPT OUTS AT THE ACCOUNT LEVEL, NOT BY INDIVIDUAL CUSTOMER. WHEN ANY PERSON LISTED WITH OTHERS ON AN ACCOUNT OPTS OUT (FOR EXAMPLE, A CO-APPLICANT, JOINT ACCOUNT HOLDER, OR AUTHORIZED USER), WE WILL LIST THE ENTIRE ACCOUNT AS HAVING OPTED OUT. EffingHAM Music Fest WILL CONTINUE TO ADHERE TO ITS DISCLOSED PRIVACY PRACTICES FOR AN ACCOUNT EVEN IF IT BECOMES INACTIVE OR IS CLOSED.

An opt out from information sharing on an account as described above, either within EffingHAM Music Fest and/or with companies outside of EffingHAM Music Fest, remains effective unless revoked in writing. Federal regulations require us to provide this notice on an annual basis, whether or not an account has previously opted out from either type of information sharing. Please remember when you receive our subsequent notices that an account previously opted out from either or both types of information sharing (and not revoked in writing) does not need to be opted out again.

Important Information for Vermont Customers

The information sharing practices described above are in accordance with Federal law. Vermont law places additional limits on disclosing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, EffingHAM Music Fest will not disclose information we collect about Vermont residents to companies outside of EffingHAM Music Fest and will not disclose credit eligibility information about Vermont residents to other companies within EffingHAM Music Fest except:

  • as permitted by law;
  • to companies that perform marketing or other services on our behalf;
  • name, contact and transactional experience information (such as your account balance and payment history) to other financial institutions with which we have joint marketing agreements; or
  • with the authorization or consent of the Vermont resident.

This Privacy Notice was last updated July 3, 2013. Please check back periodically for updates and changes.

Internet Privacy Policy

The EffingHAM Music Fest Web servers automatically recognize and record the domain name from which you access the Internet and the names of the pages you visit while at an EffingHAM Music Fest Web site. The EffingHAM Music Fest Web servers do not automatically extract or store your electronic mail address (See E-Mail Addresses below). The information automatically recognized and recorded is not personally identifiable and is used to improve the content of EffingHAM Music Fest Web sites and make them more useful.

Email Addresses

If you supply us with your e-mail address, we may let you know by e-mail about special marketing offers for products and services that may be of interest to you. This may include, but is not limited to, online services, deposit products, travel offers, and business cards. When we collect your e-mail address, and with each special marketing offer e-mail message we send, we will provide you with the opportunity to tell us that you do not wish to receive special marketing offer messages from us in the future. However, EffingHAM Music Fest reserves the right to service your account and communicate with you through email about your account.

Internet Security

EffingHAM Music Fest uses encryption technology to protect certain information sent over the Internet. SSL is an encryption technology known as "Secure Sockets Layer". SSL encrypts transmissions between two parties and verifies the Web site server you are communicating with. An "s" after the "http" in a Web site's address indicates that you are attached to a secure server using SSL technology. Additionally, if your browser is Microsoft Internet Explorer 3.0, Netscape Navigator 4.0, or a higher version of either, a picture of a lock or a key should appear in the lower right hand corner of the browser's window.

Use Of Cookies

Some EffingHAM Music Fest Web sites use a feature of your Internet browser called a cookie. Cookies are files placed within your browser on your computer's hard drive by a Web site server. EffingHAM Music Fest Web sites may use cookies to facilitate your Internet sessions, to maintain security and to improve our Web sites. For example, EffingHAM Music Fest uses cookies to verify your identity, remember your personal settings such as your offer preferences, and to monitor your use of EffingHAM Music Fest Web sites to improve our services. If you choose not to enable cookies on your browser, you will not be able to use some of the services offered on EffingHAM Music Fest's Web sites.

Advertising Services

EffingHAM Music Fest uses third party companies to serve ads on our Web site and other Web sites. These companies help EffingHAM Music Fest execute, optimize, and measure the effectiveness of our online banner advertising programs. These companies use cookies and non-personally identifiable information (for example, information that does not include name, address, e-mail address or telephone number) about your visit to this and other Web sites to measure advertising effectiveness and to provide ads about goods and services that may interest you. If you would like to learn more about these practices, view the privacy notices of these third party companies, or opt out of their use of non-personally identifiable information, click here.

EffingHAM Music Fest's banner advertisements and online applications may contain small graphics with tags in them. These tags are not personally identifiable and work in conjunction with these cookies. These tags allow us to measure the effectiveness and response rates of our advertising.

Children

EffingHAM Music Fest Web sites do not knowingly collect or use personal information from children under age 13 without obtaining verifiable parental consent. If a child whom we know to be under age 13 sends personal information to an EffingHAM Music Fest Web site, we will use that information only in accordance with the Children's Online Privacy Protection Act (COPPA).

To Further Protect Your Privacy

While exploring the services offered through EffingHAM Music Fest's Web sites, please be aware that other online retailers, partners, third party Internet sites, and third party services accessible through EffingHAM Music Fest's Web sites, have separate privacy and data collection policies and practices, which are independent of and may be different from EffingHAM Music Fest's policies and practices. EffingHAM Music Fest is not responsible or liable for these independent policies and practices and it is your responsibility to review them and decide whether or not they satisfactorily protect your rights.

These Internet Privacy Practices were last updated November 2, 2001 and update and replace any previous Internet Privacy Practices from EffingHAM Music Fest. We may amend these Internet Privacy Practices at any time, and when such a change is made we will post a revised version on this EffingHAM Music Fest Web site. Changes will be effective when they are posted. It is your responsibility to review these Internet Privacy Practices from time to time to be aware of any such changes. Your continued use of this EffingHAM Music Fest Web site indicates your agreement to any such changes.