Stuart C. Irby Company ("Irby")
any information you provide.
- Information We Collect
- Our Use and Disclosure of Information
- Information Security
- Updating Your Credit Account Information
In order to operate the Irby Credit
Account service and to reduce the risk of fraud, Stuart C. Irby
Co. (“Irby” or “we”) must ask you to provide
describes the information we collect and how we use that information.
If you apply for a Credit Account with Irby, you authorize Irby to
obtain personal credit information from personal references furnished
and/or from credit bureau reports. You also authorize Irby and any
credit reporting agency to exchange the information you provide
in the application form. If you are approved for a Credit Account,
Irby will use your information in accordance with the terms of this
are limited circumstances in which some of your information will
be shared with third parties, under strict restrictions, so it is
you expressly consent to our use and disclosure of your personal
March 1, 2005.
Please note that your personal information will be stored and processed
on our computers in Mississippi. The laws on holding personal data
in Mississippi may be less stringent than the laws of your state.
If you object to your personal information being transferred or
the Credit Account.
Notification of Changes
This policy is posted on Irby’s website at
We may periodically revise this policy as a consequence of changes
to our Terms and Conditions of Sale or based on suggestions from
our customers. By applying for a Credit Account with Irby, you
acknowledge that you use Irby’s website to access information
about your Credit Account and you agree to receive this policy and
later modified versions of this policy by accessing the policy on
B. Information We Collect
To open an Irby account, you must complete and sign the Credit Application.
Information About You From Third Parties
In order to protect all our customers against potential fraud, we
verify with third parties the information you provide. In the course
of such verification, we receive personally identifiable information
about you from such services. In particular, if you apply for a
Credit Account with Irby, 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 or a business information service
such as Dun & Bradstreet. If you incur a debt to Irby, 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. Irby, at its sole discretion, 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.
If we cannot verify the information that you provide, or if you
request that Irby send invoices to an address other than your verified
Credit Account billing address, we may ask you to send us additional
information by fax (such as your driver’s license, credit
card statement, and/or a recent utility bill or other information
linking you to the applicable address), or to answer additional
questions to help verify your information.
Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we may
retain such information in the records of your account. We may also
retain customer service correspondence and other correspondence
from Irby to you. We retain these records in order to investigate
potential fraud and violations of our Credit Application. We may,
over time, delete these records if permitted by law.
C. Our Use and Disclosure of Information
We collect, store and process your personal information. We use
the information we collect about you in order 1) to determine your
eligibility for a Credit Account, 2) to provide customer service,
and 3) to improve our products and services.
Disclosure to Third Parties
Irby will not share any of your personally identifiable information with third
parties except in the limited circumstances described below, or
with your express permission. These third parties are limited by
law or by contract from using the information for secondary purposes
beyond the purposes for which the information is shared.
- We disclose information that we in good faith believe is
appropriate to cooperate in investigations of fraud or
other illegal activity, or to conduct investigations of violations
of our Credit Application.
- We disclose information in response to a subpoena, warrant,
court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including
subpoenas from private parties in a civil action.
- We disclose information to your agent or legal representative
(such as the holder of a power of attorney that
you grant, or a guardian appointed for you).
- As with any other business, it is possible that Irby in
the future could merge with or be acquired by another
company. If such an acquisition occurs, the successor company
would have access to the information maintained by Irby, including
customer account information, but would continue to be bound
in Section A above.
- We may share your information with our parent, subsidiaries
and joint ventures to help coordinate the services
we provide to you.
Our Contacts with Irby Customers
We may communicate with customers via e-mail, phone or other methods
to provide requested services, resolve customer complaints or investigate
suspicious transactions. In connection with independent audits of
our financial statements and operations, the auditors may seek to
contact a sample of our customers to confirm that our records are
accurate. However, these auditors cannot use personally identifiable
information for any secondary purposes.
D. Information Security
We maintain physical, electronic and procedural safeguards that
comply with federal regulations to guard your nonpublic personal
E. Updating Your Credit Account Information
If you apply for a Credit Account with Irby, you agree that you
have a continuing obligation to update the information you provided
in the Credit Application, if at any time the information has changed.
If you close your Irby account, we will mark your account in our
database as “Closed,” but will keep your account information.
PO Box 1819
Jackson, MS 39215