We at GMG are committed to providing you a useful and enjoyable online experience, and to protecting your personal information during your visit. When you access the GMG Web site, we use best efforts to protect your information. We may collect information from your visit, in order to personalize and improve upon your experience with us, but all information we collect is treated as confidential.
When you enter a GMG Web site, we may identify the Internet Protocol (IP) address of you computer or handheld device, The IP address won’t identify you personally, but it will let us identify the device you’re using and we may store IP addresses but only in case we need to track a connection for security purposes.
If you supply us with your email address we may let you know by email about other products and services and product enhancements that may be of interest to you. You will have the opportunity to tell us you don’t want to receive future messages with each message you receive. If you send us an email question or comment, we will use your email address to reply to you and we will temporarily store your email address, your message and our reply for quality assurance or to satisfy applicable laws and regulations. When we collect your email address this way, we won’t use it for marketing our products and services unless you have given us permission. If you are not comfortable that your email system is secure, you can always contact us by telephone at 610-520-1504.
We are not responsible for the collection and use of information by companies or individuals unaffiliated with us who’s Web sites may contain links to ours.
Please note that when you visit a site linked to the GMG Web site, even though you may have started your visit at the GMG site, and even though GMG pages may still appear, your transactions, if any, are completed with a separate organization, not with GMG. We don’t share your personal information with them, but information you choose to share with them will fall under their privacy policies, which we encourage you to review. When relevant to the marketing of our services and products, we carefully review and select other organizations in an effort to give you the value and excellent customer service you expect from GMG.
What Information We Collect and How We Collect It
“Nonpublic personal information” is information about you that is not generally available to the public and that GMG obtains through providing a product or service to you. This information is collected to enable us to serve you effectively and efficiently. One type of nonpublic personal information we may collect is identification information such as your name, address, e-mail address, phone number, birth date, and Social Security number. We may also collect financial information such as your income and assets. We maintain information about your transactions with us and with our affiliates. Transactional information may include, for example, your account balance and payment history. We also receive non-transactional information from third parties, such as credit bureaus. This may include your credit history, credit score, or information you authorize us to obtain from others. We collect information when you use our Internet Web sites and services, communicate with us via e-mail, or register or apply for our products and services.
Why we collect information
If relevant, we collect information about you to identify you as our customer and manage your account. Your information is used to protect your account from unauthorized access and to process transactions to your account. We use it to contact you about products and services, collect on your account when necessary, and to comply with various legal and regulatory requirements.
How we share information externally, as permitted by law
In limited situations, GMG is permitted by law to share nonpublic personal information about you with companies unaffiliated with our organization in order to do business with you. For example, we are permitted to share information with the following types of organizations:
· Service providers and business partners – These organizations include lenders that provide funding for loans, companies that originate loans and process loan transactions for us, and vendors that provide mail services, computer programming, and product and service delivery.
· Marketing service providers – These organizations assist us in communicating information about products, services, and special offers to you.
We select our service providers and business partners very carefully. These organizations receive limited information about you, as we deem necessary to perform their functions and are required to maintain the confidentiality of the information. We restrict their use of the information to the purposes we authorize.
GMG may also share nonpublic personal information about you with parties unaffiliated with our organization in other circumstances, such as when you request that we do so or when required by law. Furthermore, GMG may share your information in response to a court order or subpoena, at the request of a law enforcement agency, or when we suspect fraud or criminal activity.
Our security procedures
GMG takes careful steps to safeguard customer information. We restrict access to your personal and account information to those employees who we believe need to know that information in order to provide products or services to you, and we regularly train our employees on privacy, information security, and their obligation to protect your information. We maintain appropriate safeguards to guard your personal privacy.
Other helpful information
On our Web site and in electronic communications, GMG may provide links to Web sites of other organizations unaffiliated with the GMG Companies as a convenience to you. The inclusion of any link does not imply our endorsement of any other organization, its Web sites, or its products and services. GMG is not responsible for the privacy practices or content of any other Web site.
How to protect your privacy and prevent identity theft
Take steps to protect your privacy by never disclosing personal information to unknown callers, shredding documents containing personal information, keeping passwords and personal identification numbers (PIN’s) confidential, and ensuring your Internet use is secured and protected from unauthorized access or use. If you believe you are a victim of identify theft, take the following actions:
· Immediately close any accounts, such as credit card or bank accounts, to which the thief might gain access.
· Call the Federal Social Security Administration fraud hotline at 1.800.269.0271.
· File a police report with your local authorities. Write down the report number and the police officer’s name.
· Call the Federal Trade Commission’s identity theft hotline at 1.877.IDTHEFT.
· Contact the national credit bureaus and place a fraud alert on your account:
Experian 1.888.397.3742 Equifax 1.800.525.6285
Trans Union 1.800.680.7289 Innovis 1.800.540.2505
National Do-Not-Call registry
In order to stop telemarketing calls you don’t want to receive, you can register your phone number at 1.888.382.1222 or www.donotcall.gov.
Credit Bureau Lists and Direct Marketing Preferences
Credit bureaus may sell your personal information to companies in order for those companies to send you pre-approved credit or insurance offers. To prevent your personal information from being sold for this purpose, call the Credit Reporting Industry Pre-screening Opt Out number at 1.888.567.8688 or logon at www.optoutprescreen.com.
You can also limit other marketing you receive by contacting the Direct Marketing Association (DMA) to have your name removed from their contact lists. You must include your name, address, telephone number, and signature with your request.
DMA Mail Preference Service
PO Box 643
Carmel, NY 10512
DMA Telephone Preference Service
PO Box 1559
Carmel, NY 10512
You may have your e-mail address removed from DMA’s list by submitting a request at: http://dmaconsumers.org/optoutform_emps.shtml.