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.