The purposes for collecting a name or address are obvious and do not need to be explained, but the purposes for collecting other information may not be as self-evident.<br>TIFL may collect, disclose and use personal information for some or all of the following purposes:</p> <ul> <li> <p>references are used to verify information on an application;</p> </li> <li> <p>your date of birth (DOB) and other identifying information may be collected and used to verify your identity and to protect you and TIFL from error or fraud. TIFL may also collect and use personal information obtained from credit bureaus, credit reporting agencies and other financial institutions in order to help verify your identity;</p> </li> <li> <p>