Privacy Policy


In order to operate the CESI/FOTSI Credit Account service and to reduce the risk of fraud, we must ask you to provide us information about yourself and your credit.  This Privacy Policy describes the information we collect and how we use that information.

If you apply for a Credit Account with CESI/FOTSI you authorize CESI/FOTSI to obtain personal credit information from personal references furnished and/or from credit bureau reports. You also authorize CESI/FOTSI and any credit reporting agency to exchange the information you provide in the application form.  If you are approved for a Credit Account, your account will be governed by the Privacy Policy.

CESI/FOTSI will use your information in accordance with the terms of this Privacy Policy.

By accepting the Privacy policy and signing the Credit Application, you expressly consent to our use and disclosure of your personal information in the manner descrebed in this Privacy policy.  This Privacy Policy is incorporated into and subject to the terms of the Credit Application.

In order to protect all our customers against potential fraud, we verify with third parties the information you provide.  In the course of such verificiation, we receive personally identifiable information about you from such services.  In particular, if you apply for a credit Account with CESI/FOTSI, we will conduct a background check on you and/or your business by obtaining information about you and /or your business from a credit bureau.  If you incur a debt to  CESI/FOTSI, we will generally conduct a credit check on you by obtaining additional information about you from a credit bureau, to the extent permitted by law.  CESI/FOTSI, at its sole descretion, also reserves the right periodically to retrieve and review a business and/or consumer credit report for any account, and reserves the right to close an account based on information obtained during this credit review process.