Terms and Conditions of Use
Use of Web site
TCF Inventory Finance, Inc. (“TCF Inventory Finance”) is a subsidiary
of TCF National Bank (“TCF Bank”) which, in turn, is a subsidiary of
TCF Financial Corporation (“TCF”). The information contained in this
Web site, including any policies or procedures, is intended as general guidance
and, except as expressly provided in this Web site, does not constitute a
contract with you or amend or alter any contract we may have with you. We may delete,
change, amend, or add to all content of this Web site, including available products
or services and these "Terms and Conditions of Use", at any time and without
notice to you, unless notice is expressly provided for specific services contained
in this Web site. By using this Web site you agree to be bound by these Terms and
Conditions of Use. We maintain this Web site for customers, prospective customers
and vendors, to obtain information regarding inventory financing programs offered
by TCF Inventory Finance solely for business and commercial purposes, and to allow
users to convey information to TCF Inventory Finance. Products or services mentioned
in this Web site will be available only where offered by TCF Inventory Finance,
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 information to be kept private
and secure. TCF has a formal privacy policy (see www.tcfexpress.com) ("TCF
Privacy Policy”) that applies to non-public personal information collected
in connection with products or services used for personal, family or household purposes.
Although all transactions with TCF Inventory Finance 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 be 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 TCF Inventory Finance Web site
and browse, we do not collect any information about you. We do record the date and
time of visits to our Web site and the pages visited while at our site. We do this
to determine which pages are visited most often, so we can enhance our Web site
to make it more useful to our customers.
Use of "Cookie" Technologies:Many Web sites place permanent
cookies, or permanent electronic files, on your hard drive; the cookies collect
non-individualized, generic information about your visit on the Web site. We may
occasionally use permanent cookies and place a permanent electronic file on your
computer which keeps track of the number of visits to our Web site. We may also
use temporary cookies, which are automatically deleted at the end of a session or
expire within 24 hours. If you are concerned about the use of cookies, you may configure
your web browser to either to request your specific acceptance of a cookie or disable
cookies entirely. You will still be able to fully navigate our Web site if you choose
to refuse or disable cookies.
When you want information:When you visit the TCF Inventory Finance
Web site 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. Any information you send TCF Inventory Finance
must be truthful, legal and not violate the rights of others. See the TCF Privacy
Policy for more information.
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 do so.
Sharing Information About Former Customers:When a TCF Inventory
Finance account has been closed, information about the account remains in our files.
Although we use non-public personal information about former customers less and
less over time, the same policies about sharing described above apply to former
customers' non-public personal information, and we take the same care in how we
collect, use, and protect information about former customers as we do about current
customers.
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 TCF Inventory Finance. Our employees are trained to respect
customer privacy and to access customer information only when they have a business
reason to know the information. Our employees are subject to discipline for violating
the TCF Privacy Policy.
Confidentiality and Security:TCF Inventory Finance maintains physical,
electronic, and procedural safeguards that comply with federal regulations to guard
your non-public personal information. Notwithstanding the foregoing, data, including
e-mail and electronic communications using the internet, network communications
facilities, telephone or any other electronic means may be accessed by unauthorized
third parties. By transmitting data to us using such means you agree that TCF Inventory
Finance is not responsible or liable for any such unauthorized third party access.
Third Party Links
Clicking on certain links within this Web site will take you into other Web sites
or material not under the control of TCF Inventory Finance and TCF Inventory Finance
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
and Conditions of Use" and such other terms and conditions as may be established
by third party providers of content from time to time. TCF Inventory Finance is
not responsible for web casting, the placement of "cookies" by, or any
other form of transmission received from any linked site. TCF Inventory Finance
is providing these links to you only as a convenience, and the inclusion of any
link does not imply endorsement of the link by TCF Inventory Finance, TCF Bank or
TCF. In addition, the operators of those other Web sites, and not TCF, TCF Bank
or TCF Inventory Finance, control those sites and determine what use will be made
of information collected from users.
Trademarks
TCF, TCF Bank, TCF Inventory Finance and TCFIF are either trademarks or registered
trademarks of TCF.
Jurisdiction and Governing Law
TCF Inventory Finance operates and controls this Web site from its offices in Illinois,
USA. Except as otherwise expressly provided in this Web site, your access to and
use of our Web site are governed by and will be construed in accordance with applicable
federal law and the law of the state of Illinois, without regard to the principles
of conflicts of laws.
Severability
If any provision of this "Terms and Conditions of Use" is determined to
be unenforceable or invalid, such determination shall not affect the validity or
enforceability of the remaining provisions.
Copyright
TCF and all companies within the TCF corporate family maintain this Web site as
a service to the Internet community. Unless otherwise identified, all content
(including the design, text, images, graphics and arrangement of them) within this
Web site is copyrighted by TCF. You may use the content only for your personal
use provided:
- The copyright notice shown below appears on all copies, along with this permission
notice, and
- No modifications to the content are made.
COPYRIGHT NOTICE. Copyright© 2008
TCF National Bank or TCF Financial Corporation or TCF Inventory Finance, Inc.
All rights reserved.