· applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income, and credit references;

· your transactions with us, our affiliates (members of the O.B’S family), or others. This information may include your account balances, payment history, and account usage;

· consumer reporting agencies. This information may include account information and information about your creditworthiness;

· to respond to a subpoena or court order, judicial process or regulatory authorities;

· to consumer reporting agencies;

· in connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit;

· to protect against fraud.

You may prohibit the sharing of application and third party credit-related information within O.B’S corporate family. Simply mail a written request, with your name, address and account number, to the following address: O.B’S INT’L. 3870 La Sierra Ave. # 371  Riverside, CA 92505, or call the following toll free number 1-800-511-5071. If you make such a request, it will apply to all of your consumer relationships with all the companies within the O.B’S family. If you have a joint account, a request by one party will apply to the entire account.

We will honor your choice on restricting information sharing. However, the restriction does not extend to the sharing of other information, including your name and address, and your account transactions and experiences, within O.B’S family.

Our Former Customers

Even if you are no longer a O.B’S customer, our Privacy Policy will continue to apply to you.

Our Security Practices and Information Accuracy

We also take steps to safeguard customer information. We restrict access to the personal and account information of our customers to those employees who need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

We also have internal controls to keep customer information as accurate and complete as we can. If you believe that any information about you is not accurate, please let us know.

Other Information

This Privacy Policy applies to products or services provided by O.B’S offices in the United States, used primarily for personal, family, or household purposes (not business purposes). We reserve the right to change this Privacy Policy, and any of the policies described above, at any time.
Questions? Please call 1-800-511-5071.


O.B’S DIGITAL PRIVACY PRACTICES

O.B’S is committed to safeguarding information about customers and visitors to this Web site.

O.B’S Digital Privacy Practices explain certain privacy practices with respect to information about you that is collected when you visit or transact business on this Web site. In addition, O.B’S Privacy Policy explains our collection, use, retention and security of consumer information and applies to O.B’S products and services. Online activities of consumers, therefore, may be subject to both the Privacy Policy and the Digital Privacy Practices.

O.B’S may collect and store information about your visit to this Web site. To collect this information, our web server may write a "cookie," which is a small file, to your hard drive. If you register for certain personalized services, or choose to save personal information on this website, we may store the information you provide us in an encrypted cookie or in our electronic database. This is done to make your repeated interaction with our services easier. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies or to alert you when and by whom cookies are being written to your hard drive.

If you submit an application or form online to O.B’S, or request an online transaction, O.B’S may keep the information you send in an electronic database. O.B’S uses security measures to protect against the loss, misuse and the alteration of data used in our systems.

This Web site may contain links to third-party sites that you may find useful. These sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information.

O.B’S respects the privacy of children. When O.B’S offers online educational opportunities to children through sites, we will not collect names or any other personally identifiable information from children. We do not knowingly market to children.

These Digital Privacy Practices are for general guidance, and are subject to change. They do not constitute a contract or create legal rights or modify or amend any agreements O.B’S has with customers.