Privacy Policy, Effective Date:  June 1, 2005

We at Vitality Health and Wellness (“VH&W”), recognize that our relationships with current and prospective customers are based on integrity and trust. We work hard to maintain our customer’s privacy and are very careful to preserve the private nature of our relationship with our customers. Simultaneously, the very nature of our business requires that we collect or share certain information about our customers with other organizations or companies. Our policies and procedure for collecting and disclosing personal information is detailed below:

Collection of Information

Except as otherwise stated herein, we may collect public and nonpublic information about our customers from the following sources:

• Applications, forms and other information provided to us by our customers. This information may be collect in writing, in person, by telephone, electronically or by any other means. This information may include our customer’s name, physical address, email address, telephone number, employment information, income history, social security or federal tax identification number, and credit references.
• Transactions completed with VH&W or any of its affiliates. Our affiliates include financial institutions, trade references, governmental agencies or any other entity that we may deal with in the normal course of doing business. This information may include past payment history, funds availability and account usage.
• Consumer reporting agencies. This information may include account information and information about our customer’s creditworthiness.
• Information obtained through the public domain. This information may include real estate records, telephone numbers or any other information that is available to the general public.

Collection of Information Through Our Web Sites

We do not collect through our web site any “personally identifiable information”as that term is defined in the California Online Privacy Protection Act of 2003.  We do collect statistical information regarding web site traffic but that statistical information does not identify the individual user or visitor.

Disclosure and Protection of Information Collected

To the extent permitted or required by law, we may disclose the information we collect, as described above, to banks, business partners, affiliates, and the representatives who service our customers. We do not sell any of our customer information. In order to make sure that our information is accurate, updated and secure, we take the following additional measures:

• Current Information. We attempt to keep our records regarding customer information current and accurate. If any of our customers have reason to believe that our records are not current or are inaccurate, we request that they speak with our office at (305) 466-1100 or by email at: info@vitalitywellness.com.  We respond to requests to correct inaccurate information in a timely manner.
• Limited Access. Our employees have been educated on the importance of customer privacy and confidentiality and have been trained in the proper handling of customer information and instructed to adhere to the strictest of security measures set in place. Employee access to a customer’s confidential information is only granted on a need-to-know basis.
• Electronic Information Secure. All information that is stored electronically is secured by reasonably available technology, including but not limited to firewalls.

Changes to this Privacy Policy

VH&W reserves the right to change this Privacy Policy at any time.  Please check this page periodically for changes. Your use of this site following the posting of changes to these terms will mean you accept those changes.  Information collected prior to the time any change is posted will be used according to the policies in effect at the time the information was collected.