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Our Privacy Policy

This privacy policy governs’’s collection, use and disclosure of non-public personal information (“NPPI”), defined below, received from our current and former customers or collected by us concerning our current and former customers. We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

We take the privacy and security of your NPPI seriously and believe it is important that you understand:
What information we collect, and how we collect it;
How we use information we collect;
With whom we share collected information;
What choices you have regarding the use of the information we collect; and
the types of security we use to protect the information we collect.

What information we collect and how we collect it. will not sell, share or disclose your information to any other companies without your prior consent. We collect the following categories of NPPI: (i) information you provide such as your contact information; (ii) information about your transactions with us or our affiliates; (iii) information about your transactions with non-affiliated third-parties to fulfill a transaction you request, such as obtaining a personal loan or credit card; and (iv) information obtained from any consumer reporting agency, such as your credit history.

Traffic data
We automatically track and collect traffic data. Traffic data is information that does not identify you personally but may include your IP address, ISP and other similar types of information that help us administer our site, and improve our service offerings. We use cookies and web-beacons to track traffic data and customer transactions for accounting purposes.
No NPPI information that identifies a customer or former customer is revealed in the collection and use of traffic data. We do share anonymous traffic and transactional information with our affiliates and service providers on an aggregate basis for marketing, accounting and site-optimization purposes.

Non-public personal information
NPPI includes: (i) any information you provide to obtain a financial product or service; (ii) about you resulting from any transaction involving a financial product or service; or (iii) that we otherwise obtain about you in connection with providing a financial product or service that you request. This type of information does not include information that is collected anonymously or for the purpose of tracking movement on our website. In order for you to access many of the products and services offered through this site, you will be required to provide us with NPPI such as:
• Name;
• Street or postal address;
• E-mail address;
• Phone number;
• Your place of employment, employer, length of time you worked there;
• Number of years you lived in your home or other information about your home;
• Information about your credit history with the appropriate consent;
• U.S citizenship;
• Military service;
• Loan purpose and loan amount;
• Date of Birth;
• This information is used to identify you, complete your requests for financial products or services, facilitate requests for other products or services and for customer service fulfillment.

Why we need your e-mail address
We use your e-mail address to:
• Confirm your identity;
• Send you information on the status of your transaction;
• Contact you if we need your assistance to complete the transaction;
• Send you newsletters, and other customer related material as permitted by law. has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from please report it to us at We are not responsible for communications you may receive from third-parties.

We will never ask you to provide NPPI in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting NPPI. Contact us immediately at

What choices you have regarding the use of your information

E-mail correspondence
You may opt-out of e-mails by clicking on the ‘unsubscribe hyperlink’ in any automated e-mails you receive. When you unsubscribe, you will receive a confirmation confirming your decision to opt-out.

You may not opt-out of these e-mail messages. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation emails often contain important instructions about your transaction. If you do not wish to receive this confirmation e-mail do not sign up for services or products on this website.

Your access to identifying non-public personal information
If you want to change or delete your identifying NPPI, including your e-mail address, or if you no longer are interested in a service found on this website, you may correct, update, delete or deactivate your identifying NPPI by contacting third party that processed your request. Information entered on the website will be automatically updated each time you apply for a new or different service. reserves the right to disclose your NPPI, including your e-mail address without your consent:
1. To comply with Federal, State, or local laws, rules and other applicable legal requirements; or
2. To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or
3. To respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, other purposes as authorized by law;

Important note regarding non-U.S. users and U.S. law
The laws and regulations of different countries and states impose different (and even conflicting) requirements on data protections and the use of the Internet. is located in Pennsylvania, in the United States of America. The servers are through which make this web site available worldwide. The laws of the State of Pennsylvania and the United States of America govern all matters relating to this web site. If you provide information while using this site, you will be deemed to have authorized the transfer of your information to Pennsylvania.

We do not knowingly solicit information from children or send them requests for information. Although there are links to other sites that may offer services to persons under the age of 18, does not offer any services for person under the age of 18.

Privacy policies and non-affiliated third-parties
Because this privacy policy applies only to the website it may be different than that of third-parties to whom you may disclose your NPPI to process the financial product or service you request or authorize. urges you to review the privacy policies of every website you visit where you are required to disclose your NPPI to obtain a product or service.

Your use of this web site
By using this web site, you represent to us that you are an adult under the laws of the jurisdiction where you reside and that you have had an opportunity to review the terms of this privacy policy and any Terms and Conditions posted on this site. Do not use this website or disclose any NPPI if the terms of this privacy policy are not acceptable to you or if you do not agree to all provisions of any Terms and Conditions we may have.

Protect and verify your identifying non-public personal information
We urge you to take adequate precautions to protect your identifying NPPI, both on and off the Internet. (To learn more go to:

Contact us
If you have questions or concerns regarding this policy, contact customer service by e-mail at, or by mail.
124 E Main St
Ephrata, PA 17522

Security does not ask for sensitive information on this website such as social security number, driver’s license number or bank account information. Therefore, an SSL (secured and encrypted) website is not necessary.

Terms Used in This Statement

Cookies uses cookies, or small text files maintained by your web browser, to enhance your interaction with the website. Some cookies are stored on your hard drive. You may reject or refuse cookies and still visit our web site. However if you reject cookies you may not be able to access all of the services on our web site.
Some of the companies that offer products or services via our web sites, and some of the companies that send visitors to our web site pass cookies to your computer. Please be aware that we have no control over cookies passed to you from other companies’ sites. If you request information or purchase a product or service, you will be requested to enter NPPI on our web site. Selected NPPI is linked to the cookie stored on your computer so it will be easier for you to complete a transaction on your next visit to our web site. If you complete another transaction, you may have to re-enter selected NPPI which is not linked to cookies stored on your computer.

A web beacons is a tracking marker that is placed within a web page or in an e-mail message. Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or e-mail message and transfer the data to a server. uses web beacons to:
• Count website visits to specific areas at the website;
• Track and account for transactional information on the websites of non-affiliated third-parties or service providers;
• Collect aggregate transactional data for accounting purposes;
• Track statistics about:
o The IP address of the computer that fetched the web beacon
o The URL of the page that the web Beacon is located on
o The URL of the web beacon
o The time the web beacon was viewed
o The type of browser that fetched the web beacon image
o A previously set cookie value

This privacy policy applies only to the website and the users of the site. It does not apply to any other web site whether it is a site that you may link to, or a site that may link to this site. is not responsible for the privacy practices on any other site or of any other entity or person. We encourage you to learn about the privacy policies of any site you visit and the companies that operate them.

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