Credigy is a purchaser and manager of distressed assets with operations in the United States and Brazil.
We specialize in the acquisition and servicing of distressed receivables through the entire recovery lifecycle.
Credigy is an industry leader both in the US and Brazilian markets,
with a commitment to honoring best practices in all areas of our business.
About Us
Credigy was founded with the objective of building a fully integrated distressed debt management
company that can address many of the inefficiencies inherent in the acquisition and servicing markets
on a global basis. With operations in the US & Brazil, Credigy is poised to expand operations both domestically and abroad.
Our senior management team’s diversified and entrepreneurial expertise and willingness to evaluate and enter new markets and
new asset classes provide Credigy with a unique ability to take advantage of varying market conditions and opportunities.
Credigy is capable of structuring portfolio acquisition transactions in any number of ways designed to maximize
results for both sellers and ourselves. We acquire both secured and unsecured distressed debt.
In addition to ensuring Credigy’s success and continued growth, our ability to acquire distressed
asset portfolios from other financial institutions provides much needed liquidity to the financial markets.
Once the acquisition is complete, we work with consumers to help them honor their obligations.
We provide tailored payment plans and assist with refinancing options to help borrowers retain their homes and rebuild their financial credibility.
Join Our Team
Credigy focuses on hiring, developing and retaining highly motivated, capable professionals.
We recognize that our intellectual capital is our most important resource;
we value diversity and cultivate an environment of personal and professional growth.
Most importantly, we provide an opportunity for those seeking a challenge and we
encourage our employees to take control of their careers.
Credigy's environment is very fast paced and hard working.
Important aspects of our culture include trust, creativity and collaboration.
In order to succeed at Credigy, individuals must possess a high level of energy,
entrepreneurialism, team spirit and creative initiative.
The Credigy team is well qualified and adheres to the highest standards of excellence and professionalism.
If you are a talented, driven individual looking to build a career in an exciting,
entrepreneurial environment,
click here to find out how to become part of the Credigy team.
You may also view Credigy current job openings by visiting Careerbuilder.com.
Credigy offers a comprehensive benefits program to include the following to eligible employees:
- Medical Insurance
- Life Insurance
- Dental Insurance
- Vision Plan
- Short Term Disability and other supplemental insurance options
- Flexible Spending Accounts to include:
- Dependent Care Reimbursement
- Medical Expense Reimbursement
- Matching 401K
- Vacation/Personal Time
- Holidays
The information on this web site offers only a brief overview of the benefit plans available to Credigy employees and the company has the right to amend or terminate these benefits at any time.
The opportunities at Credigy are endless and the benefits are excellent! You will find a complete listing of our current US openings below. Click on the opportunities you are interested in for a complete job description and if you are up for the challenge, send us your resume!
Current openings at Credigy
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Credigy Solutions Inc. has an immediate need for a well-rounded attorney to join our team as Corporate Attorney at our headquarters in northeast Atlanta.
The attorney in the Corporate Attorney position will report directly to Credigy's General Counsel (GC) and will be instrumental in the company's efforts to ensure that it successfully addresses its various legal needs and challenges, both domestically and internationally.
This is an exciting opportunity for an attorney with previous corporate/business law experience in the financial services industry.
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This position will assist the GC in every aspect of providing counsel to other members of the company (to include the senior management team) in numerous areas of focus such as general corporate matters,
business transactions, asset acquisitions, acquisition financings, alliances, customer and vendor contracts, business regulation and some dispute resolution/litigation management.
It is expected that the Corporate Attorney will eventually acquire an in-depth knowledge of the company's businesses in order to assist the GC in managing transactions and providing focused and relevant legal advice.
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The ideal candidate will have a general corporate background with exposure to private equity, hedge fund and/or structured finance transactions,
must be a top graduate, capable of working within a team while also excelling as an individual.
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Required Educational Background/Experience:
- Law degree required, with participation in law review or moot court preferred
- 1-2 years of experience to include at least 1 year in a sophisticated business law practice either at a major law firm or in a smaller firm working with former partners of a major law firm
- Previous legal experience should include exposure to the following:
- Participation in closing sophistication transactions (i.e., managing the documentation process of closings and ensuring deadlines are met)
- Corporate Governance (i.e., drafting board and equity holder resolutions, board minutes and certificates, assisting with board meeting preparation, etc.)
- Contract law (i.e., experience assisting with drafting portfolio acquisitions and sales agreements, loan agreements, commercial agreements and/or joint ventures and strategic alliances)
- Previous exposure to international legal issues is a plus, as are multi-lingual skills
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Desired Skills/Competencies:
- Extremely organized with strong sense of priority, urgency and commitment to deadlines, and attention to detail, with the ability and desire to handle increasing levels of responsibility
- Exceptional writing skills and expert proficiency with MS Word
- Ability to help develop and maintain sufficient systems and controls to ensure compliance with all applicable law and regulations surrounding the company's industry
- A good sense for understanding business operations, issues and dynamics beyond the scope of basic legal issues
- Ability to work closely with the GC and in-house corporate and litigation attorneys and paralegals
- Ability to communicate effectively with members of other departments in order to support their functions as well as to assist them in supporting the legal staff
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Credigy's environment is entrepreneurial, fast paced and hard working.
The right individual should be able to thrive in a high-pressure environment, generating consistently high volume of
work output without sacrificing quality. Given the company's substantial growth opportunities, the Corporate Attorney
will have an opportunity to make a significant impact on the future of the business.
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| Senior Accountant, International Consolidations |
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The Senior Accountant, International Consolidations will report to the Manager of International Financial Reporting and will be responsible for all US accounting and reporting for the company's multiple subsidiaries in Brazil.
This individual will be the main contact for our Brazil finance and accounting teams and should be capable of working with international teams.
Candidates must have previous experience with financial reporting for international subsidiaries and must be willing to travel periodically to the company's Sao Paulo, Brazil office. The specific functions and responsibilities include:
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- Monthly closing and consolidation of all Brazil financials.
- Foreign currency translations for international subsidiaries including US GAAP adjustments.
- Research and identify fluctuations during month-end close process.
- Prepare and maintain monthly post-closing internal review of the Brazil subsidiaries.
- Internal management reports and analysis of fluctuations.
- Special projects as assigned by the Manager of International Financial Reporting.
- Periodic travel to the company's office in Sao Paulo, Brazil is required.
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Required Experience/Skills:
- Master's degree in Accounting or Accountancy.
- Two (2) years experience in public accounting with reporting for international subsidiaries of US companies.
- Will consider Bachelor's degree in Accounting plus five (5) years progressive experience in public accounting with two (2) years in reporting for international subsidiaries of US companies.
- Experience must include general ledger experience including all aspects of month-end close; developing working relationships and communicating with 3rd party clients; and foreign currency translation.
- Excellent verbal and written communication skills and attention to detail .
- Ability to multitask and communicate priorities and work independently while functioning well in a team environment.
- Expert level proficiency with relevant accounting technologies including Excel spreadsheets.
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For immediate consideration, please submit your resume and salary requirements to recruiting@credigy.net. Resume submissions without salary requirements will not be considered.
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Credigy conducts a thorough selection process to ensure that potential new hires not only meet the skills requirement for a position, but more importantly, are a strong match for the Credigy culture.
In addition to our in-depth interview process, Credigy may administer aptitude and personality assessments, reference checks, employment verifications, degree verifications, credit checks, criminal background checks and drug screening.
Credigy is an Equal Opportunity Employer. All applicants and employees are considered on the basis of their qualifications and merit without regard to race, color, religion, gender, national origin, age, veteran status, citizenship, disability, pregnancy or any other status protected by law.
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| Credigy Solutions Inc. has an immediate need for a Senior Statistician to join our team at our corporate headquarters located in Norcross, GA. This individual will report to the Director of Decision Analytics & Modeling and will be responsible for the functions detailed below. |
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FUNCTIONS/RESPONSIBILITIES OF THE POSITION:
- Manage a team of statisticians responsible for development of predictive models, forecasts, segmentations, and ad hoc analyses.
- Coordinate the implementation of modeling results, scoring systems, and segmentation tools.
- Identify and investigate new trends in statistical analysis to solve business problems.
- Maneuver data files and conduct exploratory data analysis for the development of statistical models.
- Gather necessary information to assist in the design of modeling and analytical projects.
- Perform data analytics to assist in the creation or specification of decision solutions and operating strategies.
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SKILLS/COMPETENCIES:
- In-depth knowledge of statistical modeling and data analytical techniques applied to financial services/risk management.
- Proactive, dynamic, and hands-on personality.
- Proficiency with SAS/Base and SAS/Stat.
- Programming knowledge of SQL desirable.
- Knowledge of Portuguese/Spanish a plus.
- Strong communication skills.
- Excellent work ethic.
- Willingness to travel internationally from time to time.
- Willingness to relocate to North Atlanta.
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IDEAL EXPERIENCE/ ACADEMIC BACKGROUND:
- 5+ years of hands on modeling experience.
- Experience in credit industry and scoring.
- Master's degree in Statistics or related field required, PhD preferred.
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| The ideal candidate will possess exceptional analytical skills, be technologically proficient and should be able to work independently with minimal guidance.
We are searching for an individual with a natural drive for success in a demanding environment. |
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| Credigy has an immediate need for a talented Business Analyst to join our Portfolio Performance team at our corporate headquarters in Norcross, GA. Credigy is a purchaser and manager of distressed assets with current operations in the United States and Brazil. This individual will report to the Manager of Portfolio Performance and will be responsible for providing detailed modeling and analytical support to our US Operations group with a focus on maximizing efficiencies and minimizing costs. |
| Projects in the Portfolio Performance group routinely demand strong analytic skills and a high level of proficiency with available tools such as MS Excel and MS SQL Server. The successful candidate must have previous working experience with attacking analytical problems and be capable of doing so with a creative bent. The primary responsibilities of the position are detailed below. |
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FUNCTIONS/RESPONSIBILITIES:
- We are currently seeking a talented individual to join our team as an Operations Analyst in the US Operations division at our corporate headquarters in Norcross, GA.
- The initial goal of the position will be to understand our back office and customer service areas and then create workflows and reports to support those areas. Once this goal is achieved, the Operations Analyst will monitor the productivity of each area, maintaining the reports and suggesting improvement solutions to the management team.
- Previous work experience is not required, and we will consider recent graduates for this role. The ideal candidates must possess strong analytical skills and be technologically proficient. Candidates should be able to work independently with minimal guidance. We are searching for talented individuals, with a natural drive for success in a demanding environment.
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Primary Responsibilities:
- Understand the processes and create a department reporting package including but not limited to.
- Bankruptcy.
- Probate.
- Satisfaction of Judgment.
- Exceptions for negotiations.
- Customer Service (debtors, agencies, attorneys).
- Area interactions (mail room, customer service, DRT, processing).
- Maintain reports and monitor the areas above.
- Perform nonrecurring special projects as assigned by Management.
- Maintain a flexible schedule based on needs of the business.
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Requirements:
- Bachelors Degree in Business related field REQUIRED.
- Strong skills in Excel and PowerPoint; Skills in Access and SQL are a plus.
- Ability to handle a heavy workload and manage multiple projects.
- Excellent verbal and written communication skills.
- Ability to succeed in a deadline and goal driven atmosphere.
- Analytically sharp and process oriented.
- Ability to work effectively both independently and in a team environment.
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| Credigy Solutions Inc. has an immediate need for a Statistician to join our team at our corporate headquarters located in Norcross, GA. This individual will report to the Director of Decision Analytics & Modeling and will be responsible for the functions detailed below. |
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The ideal candidate will possess exceptional analytical skills, be technologically proficient and should be able to work independently with minimal guidance. We are searching for an individual with a natural drive for success in a demanding environment.
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FUNCTIONS/RESPONSIBILITIES OF THE POSITION:
- Develop statistical models for the creation of advanced scoring systems applied in both portfolio acquisition and management areas.
- Maneuver data files and conduct exploratory data analysis for the development of statistical models .
- Gather necessary information to assist in the design of modeling and analytical projects.
- Perform data analytics to assist in the creation or specification of decision solutions and operating strategies.
- Validate the performance of scoring models to provide information for the best use of scoring tools.
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SKILLS/COMPETENCIES:
- Knowledge of statistical modeling and data analytical techniques
- Knowledge of SAS or other statistical / modeling tools and software packages.
- Programming knowledge of SQL desirable.
- Ability to apply analytical techniques to solve business problems.
- Knowledge of Spanish a plus.
- Strong communication skills.
- Excellent work ethic.
- Willingness to travel up to 25% of the time.
- Willingness to relocate to North Atlanta.
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IDEAL EXPERIENCE/ ACADEMIC BACKGROUND:
- Two years of work experience preferred.
- Exposure to credit industry and scoring a plus.
- Ability to handle a heavy workload and manage multiple projects.
- Bi-lingual skills with English and Spanish is a plus.
- Master's degree in Statistics or related field required.
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| Associate, Business Development |
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| Credigy has an immediate need for an Associate to join our Business Development team at our corporate headquarters in Norcross, GA.Credigy is a purchaser and manager of distressed assets with current operations in the United States and Brazil. The Associate will report to the Managing Director of US Investments, serving as a key member of the team that is responsible for Credigy's sourcing, due diligence, structuring and purchase of distressed asset portfolios. This role will have a primary focus on the US market and will periodically support new market opportunities for Credigy. |
| An entrepreneurial mindset, high level of initiative and passionate drive for success is critical in this role, as this position is expected to make a significant contribution to the Business Development team. We are searching for a talented individual, with a natural drive for success in a demanding environment. In return, you will work in a highly dynamic, exciting team environment with great opportunities for learning and advancement. |
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The responsibilities of the position will include, but not be limited to the following:
- Support transactions generated through an existing network of contacts in the industry, primarily focused on consumer, non-mortgage assets.
- Understand and evaluate market pricing for acquisitions and align the company's purchasing strategies accordingly to meet the company's return requirements.
- Work in close partnership with the pricing/due diligence team to ensure optimal pricing on acquisitions, which may include building and/or reviewing pricing models and budgets associated with the deal.
- Produce and present meaningful investment memorandums with recommendations to the company's executive team; must be capable of thoroughly explaining and defending these investment recommendations.
- Build the company's acquisition power through the development of key industry contacts; continuously developing, maintaining and growing relationships with sellers.
- Engage in critical technical analysis of a wide variety of data sets; must be comfortable attacking analytical problems.
- Review purchase agreements, as well as any other document that the specific transaction requires.
- Define and/or support processes and sign offs related to the portfolio conversion process as needed.
- Manage, train and coach analysts who are assigned to the deal.
- Periodic domestic and potentially international travel is required.
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Required Experience/Education:
- Minimum of 2 years industry experience; previous experience must include working for a hedge fund, consulting firm, investment bank or within an M&A department.
- Direct acquisition experience is required.
- Prior experience negotiating contracts and purchase agreements.
- Accomplished academic background with a Bachelor's Degree in a strong quantitative base is required; Business, Finance, Engineering or related fields preferred; Masters Degree is a plus.
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Skills/Competencies:
- Results driven with a passion to achieve success.
- Opportunity focused with the ability to identify and exploit opportunities rapidly.Opportunity focused with the ability to identify and exploit opportunities rapidly.
- Extremely organized with strong sense of priority, urgency and commitment to deadlines.
- Ability to manage change and thrive in a high-pressure environment.
- Enthusiastic with continuing commitment; self-starter with strong intrinsic motivation.
- Outstanding communication and networking skills; Ability to develop and manage relationships with external and internal contacts across multiple functions (legal, accounting, finance, etc.).
- Exceptional analytic skills with process oriented disposition.
- Excellent team coordination, mentoring skills and the ability to manage remote resources.
- Strong negotiation skills.
- Bi-lingual skills with English and either Spanish or Portuguese is a plus.
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| Business Intelligence Developer |
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| Credigy has an immediate need for a Business Intelligence (BI) Developer to join our IT team at our corporate headquarters in Norcross, GA. As a BI Developer, you will be part of a team involved in understanding customer needs and developing specific reports and reporting solutions based on Microsoft's BI Platform (SQL Server 2005/ 2008, Reporting Services, Analysis Services, Integration Services, Performance Point, MOSS 2007 and MS Office). You will work closely with the enterprise data warehouse team to develop and deploy a new data warehouse and reporting solution using the Cognos BI 8.x software platform. Additional responsibilities include the analysis, collection and documentation of detailed business requirements to support BI needs and projects in the organization. You would also be involved in developing technical proposals, RFP's and preparing statements of work. The core responsibility shall be to support the information needs of the organization using the tools and required skills contained herein as part of the Credigy IT team. |
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Required Technical Skills:
- SQL, Transact SQL, SQL Server 2005, MS Excel 2007, Cognos BI 8.x.
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Preferred Technical Skills:
- SSIS, Reporting Services, MOSS.
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Required Education, Experience and Competencies:
- Bachelor degree in IT or Business related area required. Graduate degree is a plus, but is not required.
- Minimum of 3 years BI experience with a minimum of 2 years of experience in creating BI/ Reporting/ Analytics solutions on the Microsoft SQL Server 2005/2008 platform.
- Demonstrated experience of at least 1 year in creating solutions using the Cognos BI 8.x platform, specifically:
- Using Framework Manager to develop user friendly reporting environments;
- Development of OLAP cubes, dashboards and complex reports;
- Support the administration of Cognos environment, user administration and security administration
- Must possess the following experience:
- Engaged with business users to gather requirements, document requirements, translate requirements into report specifications and ultimately reports, views and BI query objects;
- Sound understanding of source and target data structures, general understanding of dimensional data models and industry standard data modeling tools such as ErWin;
- Strong problem-solving and metadata skills;
- Strong understanding of SQL, Transact SQL, stored procedures, functions, triggers, etc. specific to Microsoft SQL Server 2005/2008;
- Designed reports with Reporting Services 2005/2008;
- Developed analysis and reporting solutions using Reporting Services, Excel and Cognos; similar experience with Business Objects, Crystal Reports etc. is a plus;
- Troubleshooting BI tool problems;
- Performance tuning SQL Server & Analysis Services
- Must be self directed, able to work with minimal supervision and be able to learn quickly.
- Ability to manage change and thrive in a high-pressure, high growth environment.
- Ability to recognize business challenges and create effective solutions for those challenges.
- Bi-lingual skills with English and Portuguese is a plus.
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| Application Developer |
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| Credigy has an immediate need for an Application Developer to join our IT team at our corporate headquarters in Norcross, GA. As an Application Developer, you will be part of a team involved in understanding customer needs and developing specific applications and systems based on Microsoft Platform (SQL Server 2008, C#, ASP.NET, MS Office SharePoint and MS Office). Additional responsibilities include the analysis, collection and documentation of detailed business requirements to support development needs and projects in the organization. You will work with a team of developers and analysts, observing the Credigy IT development process, including the use of our proprietary software for tracking requests, source control, submitting code and documentation for quality review, deploying changes to systems, and fulfilling user requests. |
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Required Technical Skills:
- Transact SQL, SQL Server 2008, ASP, C#, ASP.NET.
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Preferred Technical Skills:
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Required Education, Experience and Competencies:
- Minimum 3 years experience in development on the Microsoft platform, specifically including the following experience
- Engaged with business users to gather requirements, document requirements, and translate requirements into specifications;
- Strong understanding of SQL, Transact SQL, stored procedures, functions, triggers, etc. specific to Microsoft SQL Server;
- Worked in a team of developers in complex solutions, using source control software such as MS Visual Source Safe or Subversion, and actively participated in developing and deployed components to be integrated within a larger system.
- Bachelor degree in IT or Business related area required.
- Certifications in the above skills are a plus. Candidate should be willing to attend education and pursue certifications.
- Must be self directed, able to work with minimal supervision and be able to learn quickly.
- Ability to manage change and thrive in a high-pressure, high growth environment.
- Ability to recognize business challenges and create effective solutions for those challenges.
- Bi-lingual skills with English and Portuguese is a plus.
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| Senior Network Administrator/Disaster Recovery |
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Credigy has an immediate need for a Senior Network Administrator/Disaster Recovery to join our IT team at our corporate headquarters in Norcross, GA.
Credigy has global network connecting four locations in the US and Brazil.
As a Senior Network Administrator/Disaster Recovery, you will be part of a team involved in understanding organizational global network needs and developing specific network architectures and monitoring solutions based on á variety of SW tools,
both proprietary and open source. You will also work closely with the IT and senior management team to assess our existing network,
develop recommendations for optimizations and develop detailed plans to deploy improvements to the Credigy global network ensuring redundancy,
rapid disaster recovery capability and optimal network currently supporting approximately 1,500 persons with rapid near term growth expected to exceed 2,000 persons.
Additional responsibilities include the day to day management and monitoring of Credigy's global network and servers, VMware (VSphere and VDI) administration and implementation.
You would also be involved in developing technical proposals, RFP's, preparing statements of work, contracting with vendors and managing vendor relationships as well as day-to-day IT tasks.
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Required Skills: TCP, UDP, IP, Cisco, MS Windows Server 2003/2008, Active Directory, Exchange 2003, Linux, Firewall, VLAN, IPVPN, MPLS, telecom, SAN, Symantec, VMware (VSphere), etc.Preferred Skills: VMware VDI, Cacti, Snort, Traffic Squeezer, other open source network technologies.
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Required Education, Experience and Competencies:
- 5-10 years total network experience with a minimum of 2 years of experience in developing disaster recovery plans and testing.
- Bachelor degree in IT or Business related area required. Graduate degree is a plus, but is not required.
- Must have demonstrated experience with industry standard network standards and technologies:
- MPLS, IPVPN, IP;
- Firewall, IP routing, VLAN's, traffic optimization, WAN acceleration;
- Network security, intrusion detection, intrusion prevention, encryption; and,
- Disaster recovery, physical redundancy, logical redundancy.
- Strong proficiency with Windows Server 2003/2008, Exchange, VMWare, Linux and Symantec backup SW.
- Must possess the following experience in maintaining complex server environments:
- Developing and deploying complex backup plans to ensure the safety and security of corporate data.
- Work in projects with a team that will include people from other countries Ability to work well in a diverse team environment.
- Critical thinking skills that can be applied to develop creative and cost effective solutions.
- Experience in VMware SW and solutions related to virtual servers, virtual desktops and thin clients.
- Demonstrated experience with SAN's and centralized storage environments.
- Must be self directed, able to work with minimal supervision and be able to learn new technologies quickly.
- Detail-oriented with ability to produce high quality work and an organized work structure.
- Ability to manage change and thrive in a high-pressure, high growth environment.
- Ability to recognize business challenges and create effective solutions for those challenges.
- Bi-lingual skills with English and Portuguese is a plus.
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Credigy conducts a thorough selection process to ensure that potential new hires not only meet the skills requirement for a position, but more importantly, are a strong match for the Credigy culture. In addition to our in-depth interview process, Credigy may administer aptitude and personality assessments, reference checks, employment verifications, degree verifications, credit checks, criminal background checks and drug screening.
Credigy is an Equal Opportunity Employer. It is the policy of Credigy that all applicants and employees are considered on the basis of their qualifications and merit without regard to race, color, religion, gender, national origin, age, veteran status, citizenship, disability, pregnancy or any other status protected by law.
Contact Us
United States
Atlanta,GA
1 678 728-7310 (Phone)
1 678 728-7170 (Fax)
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South America
São Paulo, SP - Brazil
55 11 3527-9100 (Phone)
55 11 3527-9200 (Fax)
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Privacy
This Credigy Internet Privacy Statement applies
only to our United States customers, clients and other visitors
to our web site. This privacy statement explains how Credigy
collects, uses and safeguards information on this web site.
This privacy statement does not apply to the practices of companies
that we do not own or control, or to people that we do not employ
or manage. We reserve the right to make changes to our Internet
Privacy Statement at any time and from time to time without
further notice to you.
Information Collection and Use
We may collect personally identifiable information when you
visit or use our pages. We may also receive personally identifiable
information from our business partners. We track how our site
is used by anonymous visitors by using a small string of text
that is sent to your browser known as a “cookie”
to collect information that includes the server your computer
is logged onto and your browser type (such as Netscape or Internet
Explorer). A cookie cannot retrieve any other data from your
hard drive, pass on computer viruses or capture your email address
or any other personally identifiable information.
We limit the collection of information about our customers,
clients and other visitors to what we need to collect in order
to administer a customer’s account, provide customer
service and to satisfy any legal and/or regulatory requirements.
We also automatically receive and record information on our
server logs from your browser including your IP address, cookie
information and the page you requested.
We may use this information for four general purposes: to
customize the content you see, to fulfill your requests for
certain services and information, to contact you, and as permitted
by applicable law.
Information Sharing and Disclosure
We do not disclose any information we collect unless we have
previously been informed or authorized by the customer, client
or other visitor to do so or such disclosure is otherwise
required or permitted by law. We will send personally identifiable
information about you to other companies or people when:
(1) we have your consent to share the information;
(2) we need to share your information to provide the product or service you have requested;
(3) we need to send the information to companies who work on behalf of Credigy to provide a product or service to you (unless we tell you differently, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us);
(4) we respond to subpoenas, court orders or legal process;
(5) we find that your actions on our web site violate the above terms of service, or any of our usage guidelines for specific products or services; or
(6) we may otherwise disclose such information as permitted by applicable law.
How We Safeguard Information
We limit access to information systems to those who need it
to conduct their business responsibilities and to meet our
customer servicing commitments. We employ safeguards designed
to protect the confidentiality and security of our customer
and client information.
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We may set and access cookies on your computer.