Below, you will find details about GCP's commitment to protecting your privacy, including the types of information we collect about you, how we use and share that information both within and outside the GCP family of companies, and how you can instruct us to limit certain types of information sharing.
Your Privacy Is Not for Sale
We do not and will not sell your personal information to anyone, for any reason, at any time.
How We Collect Information About You
We collect personal information about you in a number of ways.
- Application and registration information.
We collect information from you when you open an account or enroll in one of our services. You will also be asked for information when you choose to participate in a GCP promotion. We may also collect information from consumer reporting agencies to verify your identity in the account-opening process or if you apply for a margin account. The information we collect may include your name, address, phone number, email address, Social Security number and date of birth, as well as details about your interests, investment, objectives and investment experience.
- Transaction and experience information.
Once you have opened an account with us, we collect and maintain personal information about your account activity, including your transactions, balances, positions and history. This information allows us to administer your account and provide the services you have requested.
- Third-party information providers.
We may collect information about you from information services and consumer reporting agencies to verify your identity, employment or creditworthiness, or to better understand your financial needs.
- Website usage.
When you visit our website, our computer may use devices known as "cookies" or other similar Web tools to enhance your Web experience. These tools enable us to recognize you when you return to our site, and to maintain your Web session while you browse throughout the site, as well as help us provide you with a better, more personalized experience. Cookies do not, standing alone, identify you as an individual by name or account number; they merely recognize your browser.
How We Share Information About You With GCP Affiliated Professionals
When appropriate, GCP may share information we collect about you amongst our affiliated professionals to:
- help provide you with better service or perform services on our behalf;
- respond to communications from you or as you authorize or request;
- make it more convenient for you to open a new account;
- allow an affiliate to provide you with information about their products and services that we believe may benefit or interest you.
You may instruct us not to share information about you with our affiliates for certain purposes, as explained under "How to Limit the Sharing of Information About You."
How We Share Information About You Outside of Global Credit Partners.
We provide access to information about you to outside companies and other third parties in certain limited circumstances, including:
- to help us process transactions for your account;
- when we use another company to provide services for us, such as printing and mailing your account statements;
- when we believe that disclosure is required or permitted under law. For example, we may be required to disclose personal information to cooperate with regulatory or law enforcement authorities, to resolve consumer disputes, to perform credit/authentication checks, or for risk control;
- when we enter into a joint marketing agreement with another financial institution in order to provide you with a financial product or service. We only make such agreements with companies that we believe can help us provide a financial product or service that will benefit you.
You may instruct us not to share information about you with outside companies for joint marketing purposes, as explained under "How to Limit the Sharing of Information About You."
How to Limit the Sharing of Information About You
If you prefer, you may choose to limit the information we share about you with our affiliates and outside companies. Specifically, you may instruct us:
- not to share with our affiliates consumer reports and other personal information about you that may be used to determine your eligibility for credit (for example, information about your income, profession, or employment status);
- not to allow our affiliates to market their financial products or services to you based on information they receive from us about your eligibility for credit or your transactions and experiences with us; and
- not to share personal information about you with an outside company for joint marketing purposes.
- You may exercise this choice by calling us at: (201) 669-3450
Your choice will be applied to you as an individual and will automatically be extended to all of your accounts with us, as well as any accounts you may have with any of our affiliates.
- Joint account holders may instruct us on behalf of another account holder.
- You may make your privacy choice at any time and it will remain in effect until you change it.
If you choose to limit these types of information sharing, we may continue to share information with our affiliates that identifies you (such as your name and Social Security number), as well as information about your transactions and experiences with us. In addition, our affiliates may continue to use information they receive from us to perform services on our behalf, to respond to communications from you, as you authorize or request, or, if you are their customer, to offer you products or services. We may also continue to share information about you with outside companies as permitted or required by law.
We will comply with state laws that apply to the disclosure or use of information about you. For example, if your address is in Vermont, we will automatically limit information sharing as described in "How to Limit the Sharing of Information About You" without your having to advise us of this privacy choice.
Safeguarding Your Information, Maintaining Your Trust
We take precautions to ensure the information we collect about you is protected and is accessed only by authorized individuals or organizations. Companies we use to provide support services are not allowed to use information about our clients for their own purposes and are contractually obligated to maintain strict confidentiality. We limit their use of information to the performance of the specific services we have requested.
We restrict access to personal information by our employees and agents. Our employees are trained about privacy and are required to safeguard personal information.
We maintain physical, electronic and procedural safeguards to protect personal information.
Identity theft is a serious concern to all of us. Safeguarding information to help protect you from identity theft is our priority. GCP takes steps to protect you from identity theft by:
- utilizing client identification and authentication procedures before initiating transactions;
- creating a secure transmission connection to our GCP Website?. How will this be evidenced to the client upon reaching the website? Is there some type of icon used by our system?
- ensuring our employees are trained to safeguard personal information about you.
You can also help protect your identity and accounts. Here are a few steps to remember:
- GCP will never request your account number, login password, or Social Security number in either a non-secure or unsolicited email communication;
- shred documents that contain personal information;
- check your credit report regularly for unauthorized activity and protect your personal identification numbers (PINs) or personal data.
If you have been a victim of identity theft please contact us immediately.
Keeping You Informed - Our Commitment
We will provide you with advance notice of important changes to our information-sharing practices.
Contact Us with Questions
If you have any questions or concerns, please contact us by email at email@example.com or call us at (201) 669-3450.
GCPs Alliances and Promotions
GCP joins with another company to offer or provide products and services, both parties may cross-reference their databases to search for customers in common. This existing information may be used to help identify business alliance opportunities and to enhance the information already contained in the existing databases.
GCP on its own, or jointly with other organizations and Web sites, may offer contests, sweepstakes, and promotions. You may be asked to supply certain personal information to participate in these promotional events, which may then be used by the sponsoring parties for marketing purposes. Even if you have previously opted not to receive information or mailings about GCP, you may still receive information about GCP via these promotions if you choose to register for them. Rules and guidelines for each promotion will be clearly posted, as will notification about how the information gathered may be used. You may opt not to participate in these special promotions if you do not want to receive information about GCP or share your information with all sponsoring parties.
Correcting and Updating Your Information
The accuracy of your personal information is important to us. If you are a customer and have a concern about your personal or account information maintained at GCP, or want to correct, update, or confirm your information, please send us an email from the Contact Us section. Customers and others may also send an email to firstname.lastname@example.org or call us at (201) 669-3450 . We will be happy to review and update our records.
How GCP Protects Your Identity
Your privacy is our priority and GCP is committed to protecting you
- We do not sell customer information to anyone.
- We use encryption technology to protect sensitive information that is transmitted over the Internet.
- We control access to your information inside our company by limiting employee access to systems and data.
- We ensure all employees are trained to safeguard your information.
- We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate.
Our most important asset is our relationship with you. We understand that you have entrusted us with your private financial information, and we do everything we can to maintain that trust.
How You Can Protect Your Identity and Accounts
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
Identity theft is a serious concern. Here are few steps to remember in order to protect your identity and accounts.
- GCP will never request or disclose your personal information (account number, Login password, Social Security number) in either a non-secure or unsolicited email communication.
- If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email.
- When you enter account or personal information at the GCP Website, it will always be over a secure connection.
- Shred financial documents that contain your personal information before you discard.
- Check your credit report regularly to make sure no unauthorized activity has occurred.
- Protect your personal information (such as your PIN, Social Security number, date of birth, etc.). Do not give it out to any person or company or in an email unless you are familiar with them and you have initiated your communication with them.
- Don't carry unneeded credit cards, your Social Security card, your birth certificate or other personal documents in your purse or wallet.
- Monitor all your bank statements from every credit card every month. Check to see if there is anything that you do not recognize and call the credit grantor to verify that it is truly yours.
What To Do If You Are A Victim of Identity Theft
If you are a victim of identity theft, here are some recommended steps:
- Contact GCP and let us know you have been a victim of identity theft
- Contact the fraud departments of each of the 3 major credit bureaus:
|Order Credit Report
||PO Box 740241
|PO Box 9530
|PO Box 6790
- Report the identity theft and request a "fraud alert." This ensures that you will be contacted before any new account is opened and/or an existing account is changed.
- Request copies of credit reports. Review the reports carefully and identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists "inquiries" from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system. Note: Credit bureaus must provide free copies of credit reports to victims of identity theft.
- Contact the fraud departments of creditors to dispute unauthorized charges (e.g., credit card issuer, phone companies, utilities, banks, other lenders.) Describe your identity theft problem and follow up with a letter.
- File a report with your local police department and ask to file a report. This may help when clearing your credit.
- File a complaint with the Federal Trade Commission (FTC). The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to appropriate entities, including the major credit-reporting agencies and law enforcement agencies.
- By phone:877-ID-THEFT
Please note, information on these entities are being provided as a service convenience. GCP is not affiliated with any of these organizations and cannot guarantee their accuracy, effectiveness and/or completeness.