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We are dedicated to protecting your privacy and handling your information in a secure and confidential manner. We know that having trust and confidence in the companies you do business with is important to you. We value the trust you have placed in us to protect your information. We believe that making you aware of how we use your non-public personal information ("Personal Information"), and to whom it is disclosed, will form the basis for a relationship of trust between us and you. This Privacy Policy provides that explanation. We reserve the right to change this Privacy Policy from time to time consistent with applicable privacy laws.   In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information - particularly any Personal Information or financial information. We agree that you have a right to know how we will utilize the Personal Information you provide to us. Therefore, together with our subsidiaries we have adopted this Privacy Policy to govern the use and handling of your Personal Information. This Privacy Policy applies to our use and handling of the information of all of our current and former customers. If you are a former customer, we maintain the confidentiality of your information as if you were still a customer.