We may disclose all the information we collect to companies that perform marketing services for us or to other organizations with whom we have joint marketing agreements. Otherwise, we do not disclose any nonpublic personal information about you (or about ANY current or former customer) to anyone, except as permitted by law. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.