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Terms of Use Use of Website VGM Financial Services (“VGMFS”) is a part of TCF Equipment Financial, Inc, (“TCFEF”) a subsidiary of TCF National Bank (“TCF Bank”) which, in turn, is a subsidiary of TCF Financial Corporation (“TCF”). The information contained in this website, including any policies or procedures, are intended as general guidance, and except as expressly provided in this website, they do not constitute a contract with you or amend or alter any contract we have with you. We may delete, change, amend, or add to all content of this website, including available products or services and these "Terms of Use", at any time and without notice to you, unless notice is expressly provided for specific services contained in this website. We maintain this website for lessees and other users of commercial business equipment, financial brokers and vendors, to get information regarding equipment financing programs offered by VGMFS, solely for business and commercial transactions and to convey related information to VGMFS. Products or services mentioned in this website are available only in the United States and may not be available in all geographic areas, and your eligibility for particular products or services is subject to approval or acceptance by us. Privacy and Security We understand that you expect your non-public personal financial information to be kept private and secure. Although all transactions done with VGMFS are solely for business or commercial purposes, we respect your concern about privacy and we have implemented certain procedures with regard to non-public personal information which may collected in connection with business transactions, such as non-public personal information relating to transaction guarantors and non-public personal information relating to individuals who do business as a sole proprietorship. When you browse: When you visit the VGMFS website and browse, we do not collect any information about you. We do record the date and time of visits to our website and the pages visited while at our site. We do this to determine which pages are visited most often, so we can enhance our website to make it more useful to our customers. Use of "Cookie" Technologies: Many websites place permanent cookies, or permanent electronic files, on your hard drive; the cookies collect data. We occasionally use permanent cookies and place a permanent electronic file on your computer which keeps track of the number of visits to our website. We also use temporary cookies, which are automatically deleted at the end of a session or expire within 24 hours. When you want information: When you visit the VGMFS website and request information, we may collect the information we believe is necessary to process the transaction you have requested. When you submit information: Information you submit to us becomes our property and we may use any ideas, concepts, know-how, images or techniques contained in such information for any purpose, including developing, producing and marketing products and services. Sharing Your Information When Permitted or Required by Federal or State Law. We may share your information with other parties when permitted or required by federal or state law. For example, we share information in order to protect against fraud, report transactions to consumer reporting agencies, respond to subpoenas, and when you ask us to. Employee Access to Customer Information. We restrict access to non-public personal information about you to those employees who need to know that information to perform their job at VGMFS. Our employees are trained to respect customer privacy and to access customer information only when they have a business reason to know the information. Confidentiality and Security. TCFEF maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information. Notwithstanding, data, including e-mail and electronic communications using the internet, network communications facilities, telephone or any other electronic mans may be accessed by unauthorized third parties when communicated between you and by transmitting data to us using such means you agree that VGMFS is not responsible or liable for any such unauthorized third party access. Collection of Information: Like most Web sites, VGMFS also collects and logs information automatically and through the use of electronic web beaconing tools that may be transparent to you, such as your IP address, the name and location of your Internet Service Provider, the type and version of your browser, the length of timem that you stay on VGMFS, search queries, your click-stream data, the location that referred you to VGMFS and the average number of pages viewed. If you visit another Web site prior to browsing VGMFS, that Web site might place information within a URL, such as search queries, which may be logged by us. Your IP address is the identifier assigned to your particular computer when you access the Internet. Depending on how you connect to the Internet, your IP address may always be the same, or it may change each time you access the Internet. Note that logging your IP address does not provide us with personally identifiable information such as your name, e-mail address or home or work address. Changes and Updates to This Policy: We reserve the right to change the information, services, features and policies at any time. We will post changes to this and any other policies on this website in writing. Third Party Links Clicking on certain links within this website will take you into other websites or material not under the control of VGMFS and VGMFS is not responsible for the contents of any such link or any link contained within a link, or any changes or updates to such links. Content owned by third parties is protected by copyrights of such third parties and is subject to these Terms of Use and such other conditions as may be established by third party providers of content from time to time. VGMFS is not responsible for web casting, the placement of "cookies" by, or any other form of transmission received from any linked site. VGMFS is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by VGMFS, TCFEF, TCF Bank or TCF of the link. In addition, the operators of those other websites, and not TCF, TCF Bank, TCFEF or VGMFS, control those sites and determine what use will be made of information collected from users. Trademarks TCF, TCF Bank, TCF Equipment Finance, TCFEF, VGM Financial Services and VGMFS are either trademarks or registered trademarks of TCF. Jurisdiction and Governing Law VGM Financial Services operates and controls this website from its offices in Iowa, USA. Except as otherwise expressly provided in this website, your access to and use of our website are governed by and will be construed in accordance with applicable federal law and the law of the state of Iowa, without regard to the principles of conflicts of laws. Severability If any provision of this "Terms of Use" is determined to be unenforceable, or invalid, such determination shall not affect the validity or enforceability of the remaining provisions. COPYRIGHT NOTICE. Copyright© 1999-2010
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