| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
|---|---|
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and income - account balances and payment history - credit history and credit scores |
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons GLS Solutions, LLC chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does GLS Solutions, LLC Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | No | No |
| For joint marketing with other financial companies | No | No |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | No | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | GLS does not share |
| For our affiliates to market to you | No | GLS does not share |
| For nonaffiliates to market to you | No | GLS does not share |
| To Limit our Sharing | Questions? |
|---|---|
| Call 1 (855) 643-5595—our menu will prompt you through your choice(s) - Visit us online: www.glssolutions.us | Call 1 (855) 643-5595 or go to www.glssolutions.us |
Who is providing this notice? GLS Solutions, LLC
| How does GLS Protect my Personal Information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Please be advised that GLS does not sell personal information regarding current or former customers or their accounts. |
|---|---|
| How does GLS collect my personal information? | We collect your personal information, for example, when you - provide contact or account information - provide mortgage information or pay us by check - provide your government- issued ID We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only -sharing for affiliates’ everyday business purposes—information about your creditworthiness - affiliates from using your information to market to you - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.] |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. GLS does not have any affiliates |
|---|---|
| Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. GLS does not share personal data with non-affiliated companies so they can market to you. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. GLS does not have joint marketing agreements. |
**Other important information continued
Notice for California Residents: In order to comply with California law, the following applies if your account has a California mailing address.
Restrict Nonpublic Personal Information Shared with Non-affiliated Third Parties
Even if you do not make the privacy choice set above, we will not share information that we have about you with non-affiliated third parties, except for Everyday Business Purposes (defined below). For purposes of this notice, “Everyday Business Purposes” means any of the purposes set forth in Cal. Fin. Code § 4056, including but not limited to:
1 - When personal information is necessary to effect, administer, or enforce a transaction requested or authorized by you, or in connection with servicing or processing a financial product or service requested or authorized by you, or in connection with maintaining or servicing your account with us, or with another entity as part of a private label credit card program or other extension of credit on behalf of that entity, or in connection with a proposed or actual securitization or secondary market sale, including sales of servicing rights, or similar transactions related to a transaction of the consumer.
2 - When your personal information is released with your consent or at your direction; and/or
3 - When your personal information is released to:
a. Protect the confidentiality or security of your records with us; and/or
b. Protect against fraud, identity theft, unauthorized transactions, claims, or other liability.
Restrict Nonpublic Personal Information Shared with Affiliates
We will not share nonpublic personal information about you with any of our affiliates other than for our Everyday Business Purposes unless we first provide you with further privacy choices.
Restrict Nonpublic Personal Information Shared with Joint Marketing Partners
We will not share information about you with joint marketing partners unless we first provided you with further privacy choices.
Notice for Nevada Customers: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit our sharing section. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St, Suite 3900, Las Vegas, NV 89101; Phone number 702.486.3132; email: AGINFO@ag.state.nv.us
GLS Solutions, LLC, 200 S Wilcox St #440 Castle Rock, CO 80104; Phone number: 1 (855) 643-5595; Email: help@glssolutions.us
Notice to North Dakota Customers: Pursuant to state law, we will only share information with our affiliates, non- affiliates and third parties as required or permitted by law, or if you give us permission.
Notice for Vermont Customers: If our records indicate that you are a resident of Vermont, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, or credit report to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies, please call 1 (855) 643-5595.