We have the same type arrangement with a credit card provider. It is not our 'produt'. We do not 'exchange' any personal/private information, we simply have applications in our lobby that would be mailed directly to the card issuer. If a card is issued, it has our name on it, but we have NO information at all on any of the cardholders. The credit card issuer holds all the personal/private info and nothing is ever shared with us, except the agreed upon fee if the card is issued. Consequently, I believe for Privacy purposes we have no joint marketing agreement with them as we do not share.