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Privacy Policy



FACTS

WHAT DOES GLOBAL LENDING SERVICES DO WITH YOUR PERSONAL INFORMATION?



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

  • Account Transactions

  • Credit History

  • Account Balances

  • Income

  • Payment History



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 Global Lending Services chooses to share; and whether you can limit this sharing.



WHO WE ARE

Who is providing this notice?

Global Lending Services



What we do

How does Global Lending Services 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.

How does Global Lending Services collect my personal information?

We collect your personal information, for example, when you:

  • Apply for financing

  • Give us your contact information

  • Provide account information

We also collect your personal information from others, such as credit bureaus, 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 non-affiliates 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.



Definitions

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Global Lending Services does not share with nonaffiliates so that they can market to you.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Global Lending Services does not share with nonaffiliates so that they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial service providers, motor vehicle dealers, and insurance companies.



Other important information

Residents of California:

Other than for our everyday business purposes, we will not share your personal information with nonaffiliates or affiliates without first giving you additional privacy choices.

This California Privacy Notice is provided pursuant to the California Consumer Privacy Act (“CCPA”). The notice applies only to consumers who are California residents, as defined by California law.  This notice does not apply to Global Lending Services personnel.

California consumers have the right to:

  • Request twice in a 12-month period that Global Lending Services disclose categories of personal information subject to the CCPA that it collects, the source of such information, the business use, and categories of third parties to whom Global Lending Services may sell and disclose such information; and disclose specific pieces of personal information subject to the CCPA that it collects, the source of such information, the business use, and categories of third parties to whom Global Lending Services may sell and disclose such information. These disclosures may be found below.

  • Request that Global Lending Services, delete personal information, to the extent we are not required to retain it by law. However, Global Lending Services is required by law to maintain the information that we collect and is not permitted to delete it.

  • Request that Global Lending Services allow the consumer to opt out of any sale. However, because Global Lending Services does not and will not sell to third parties any personal information subject to the CCPA, there is no sale from which to opt out.

  • Additionally, you have a right not be discriminated against for exercising any rights under the CCPA.

To submit a request, you can contact us at our toll free customer service number 866-464-0269 or submit a request online at https://glsauto.com/contact-us.html.  To protect your privacy and maintain the security of your account, requesters will be required to authenticate your identity by providing your full name and two or more of the following; address listed on the account, last four digits of the customer’s social security number/Tax ID, account number, last 6 of VIN, or year/make/model of the vehicle.  Additionally, if you ask us to provide you with specific pieces of personal information, we may request that you complete and return a signed declaration, under penalty of perjury, that you are the consumer whose personal information is the subject of the request.

To designate an authorized agent to make these requests, we may require you to provide written permission, which may include submitting a copy of the California Secretary of State registration, authorizing the designated agent to act on the consumer’s behalf.

Listed below are the categories of personal information subject to the CCPA that Global Lending Services has collected about California consumers in the preceding 12 months, and the third parties to which Global Lending Services has disclosed such information in the preceding 12 months.

Categories of Information Subject to the CCPA Source Business Purpose Categories of Third Parties

·   Personal identifying information of non-obligated consumers, such as name, address, and telephone numbers



 

·   Third party service providers; or

·   Consumer provided online or by phone

 

·   To locate a Global Lending Services customer or collateral; or

·   To process a payment for a Global Lending Services customer account

 

·   Investors

·   Third Party Debt Collectors

·   Payment Processors

 

Pre-Collection Notice.

At or before the time Global Lending Services collects personal information, you are hereby advised that Global Lending Services collects and uses the following categories of personal information for the following purposes.

Categories of Information Business Purpose

·   Personal identifying information of non-obligated consumers, such as name, address, and telephone numbers

 

·   To locate a Global Lending Services customer or collateral; or

·   To process a payment for a Global Lending Services customer account

 

Notice of Financial Incentive.

Global Lending Services does not offer financial incentives in exchange for the retention or sale of a California consumer’s personal information.

Effective January 1, 2020

 

Residents of Vermont:

Other than for our everyday business purposes, we will not share the following without first giving you additional privacy choices: (i) personal information with nonaffiliates; and (ii) personal information about your creditworthiness with affiliates or joint marketing partners.

 

Residents of Nevada:

We are providing you this notice pursuant to Nevada law. At any time, you may request to be placed on Global Lending Services internal do not call list if you do not wish to receive telemarketing calls from us. If your telephone number is included on our internal do not call list, we may still contact you for servicing purposes. To include your account on our internal do not call list contact our Customer Service Department by mail at Global Lending Services PO Box 935538 Atlanta, GA 31191, by phone at 866-464-0269, or by sending an email to customerservice@glsllc.com. Nevada residents may also contact the Nevada Attorney General for further information about these rights. Contact the Nevada Attorney General by mail at: Office of the Attorney General 100 North Carson Street, Carson City, NV 89701, by phone at 1-775-684-1100, by sending an email to AgInfo@ag.nv.gov.

To limit our sharing or if you have questions:

Call 866-464-0269 to speak with a Customer Service Representative or follow the link below: Contact Us

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

 

Download our Privacy Policy (PDF)



GLS MONEYWISE

GLS cares about your financial health. That’s why we’ve launched GLS MONEYWISE, a free online resource to help you reach your financial goals. GLS MONEYWISE consists of free online videos, tutorials, questionnaires and other useful resources.

JUMP START YOUR FINANCIAL HEALTH TODAY: CLICK HERE!


Need Credit Counseling?

If you would like information about money management or budgeting, a credit counseling agency may be able assist by reviewing your finances and suggesting ways to improve your situation.  The following credit counseling agencies and their member agencies may be able to provide you with information, guidance and solutions to your questions.  Global Lending Services is not affiliated with nor specifically endorses the agencies listed below.

Association of Independent Consumer Credit Counseling Agencies

http://www.aiccca.org/

866-703-8787

National Foundation for Credit Counseling

https://www.nfcc.org

800-388-2227



Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

Unauthorized use of Global Lending Services LLC, (“Global Lending Services “) Website and systems including but not limited to unauthorized entry into Global Lending Services’ systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that Global Lending Services may disclose and transfer any information that you provide through this Website to:

(i) its affiliates, parents and subsidiaries and/or

(ii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

Copyright Notices

The works of authorship contained in the Global Lending Services website (the “Website”), including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Global Lending Services. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Global Lending Services’ prior written consent.

Trademark Notices

The Global Lending Services name and logo are service-marks of Global Lending Services. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.

Web Content and Materials

The information and materials contained in this Website and the terms and conditions of the access to and use of such information and materials are subject to change without notice.

You agree that:

(i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Global Lending Services and

(ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED “AS IS”, “AS AVAILABLE”. Global Lending Services DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY

IN NO EVENT WILL Global Lending Services BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF Global Lending Services, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Availability

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Enforceability and Governing Law

In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the enforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you may have entered into with Global Lending Services. The user’s access to and use of the Global Lending Services Website, and the terms of this disclaimer are governed by the laws of the State of Delaware.

Links to Third Party Sites

This Site contains external hyperlinks to other Internet web sites maintained by third parties over which Global Lending Services has no control. Global Lending Services provides these links to you only as a convenience. The appearance of external hyperlinks does not constitute endorsement by Global Lending Services of the linked web sites, or the information, products or services contained therein. Global Lending Services’ inclusion of a link or hyperlink on this Site does not imply Global Lending Services’ endorsement, warranty, or guarantee of the linked web site, nor does Global Lending Services accept any responsibility for the content, or the use, of any linked web sites or any of the products, services or information described or offered at these linked web sites. All of the data on products and services, including but not limited to, the prices and the availability of any service, product or product feature, should be verified with the company supplying the product or service and is subject to change without notice by the manufacturers and/or service providers. Global Lending Services specifically disclaims any and all liability for any damages, including without limitation, any special, indirect, incidental or consequential damages that may arise from information, content, or use of any linked web sites.

If you decide to visit any linked web site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Global Lending Services makes no warranty or representation regarding, and does not endorse, any linked web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Global Lending Services or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Global Lending Services and any of its affiliates or subsidiaries. All other trademarks, product names, and company names and logos appearing on this Site are the property of their respective owners. All rights reserved.

Free To End User Text Notifications

By participating in the Global Lending Services Text Notification Program, you agree to receive text notifications payments due on your Global Lending Services loan. You may opt out at any time by texting STOP to 39367. By sending STOP to 39367, you agree to one additional confirmation message stating that you’ve opted out and will no longer receive messages from Global Lending Services.  To get help, text HELP to 39367. You must be the mobile phone account holder or have permission from the account holder to use this service. You must be 18 years or older or have permission from a parent/guardian.

PARTICIPATING WIRELESS CARRIERS:

AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile®, Virgin Mobile USA and additional carriers where available.

Please see below for additional information about our Terms, Conditions, and Privacy Policy.



Terms of Use – Electronic Statements through Mobile Wallet

Read these Terms of Use carefully and download or print a copy for your records.

Introduction

These terms of use are to provide the individual using the service (also referred to in these terms as “you” or “your”) information about the electronic monthly statement presentment service (the “Service”) offered to you by Global Lending Services LLC (also referred to in these terms as “we,” “us,” or “our”).  These terms of use set forth a legally binding agreement governing your use of the Service and outline important conditions that apply to your use of the Service.  By adding your monthly statement from us to your mobile device’s wallet, you agree to these terms and conditions.  If you do not agree to these terms and conditions, do not add your statement from us to your mobile device’s wallet.

 

Eligibility

The Service is offered only to individuals who can form legally binding contracts under applicable law.  Without limiting the foregoing, the Service is not offered to minors.  By using the Service, you represent that you meet these requirements and that you agree to be bound by the terms herein.

We provide our customers with the option to receive electronic statements through mobile wallet applications (e.g., Apple Wallet™, Google Pay™).  Your use of this Service is subject to the terms and conditions and terms of use of the applicable mobile wallet application.  To use this Service, you must have a mobile device that meets the minimum system and security requirements specified below.

 

Minimum System and Security Requirements

Please verify the minimum system and security requirements required to use your mobile device’s mobile wallet application with the mobile wallet provider for your device.  These requirements are subject to change by the mobile wallet provider for your device.  Please ensure that you have configured your mobile device to receive automatic updates and notifications from your mobile wallet application.

 

Electronic Statements Authorization

By adding your bill pass to the wallet on your mobile device, you consent to receive your statements from us electronically via the mobile wallet on your enrolled device in addition to your current delivery method.  You understand that your statements will be delivered to the mobile wallet on your enrolled device on an ongoing basis unless you un-enroll from the Service.  Please refer to the “Un-enrollment” section below for instructions for how to un-enroll from the Service.

If you start using a new device, you may need to re-enroll or synch your profile with your originally enrolled device in order to continue to receive your electronic statement on your new device.

 

I .

Notifications

By adding your bill pass to the wallet on your mobile device, you consent to receive push notifications on your enrolled mobile device. You consent to receive these notifications on your home screen, on your lock screen and via other applicable push notification methods.  You further consent to these push notifications being transmitted using automated technology.  We will attempt to send push notifications to your mobile device when enrolled in the Service.  Types of notifications that we may send include:

  • New bill available notification – Sent when a new statement has been delivered to your mobile wallet.
  • Bill due reminder notification – Sent when you are approaching the bill due date.
  • Payment related confirmations
  • Notifications unrelated to the bill

We cannot guarantee that you will receive each of the notifications we send.  Regardless of whether you receive a notification related to your statement, you are responsible for making timely payment on your account for the applicable statement period.  Your payment obligations remain subject to and governed by the terms of your original contract with us.

Some of the reasons you may not receive notifications or may not receive notifications in a timely manner are as follows; however, this is not an exhaustive list:

  • Global notification setting on the device set to block notifications sent by the Wallet application.
  • Turning the “Automatic Updates” option on the bill pass to “off.”
  • Device is not connected to the network at the time the notification is pushed to the device.

 

Un-enrollment

You may choose to stop receiving your statement electronically in your mobile wallet at any time by removing the bill pass from your mobile device.  Please follow the instructions in your mobile wallet application to remove the bill pass.

Regardless of whether you receive an electronic statement, and regardless of whether your receipt of an electronic statement is timely, you are responsible for making timely payment on your account.

 

Communications to You

By adding your bill pass to the wallet on your mobile device, you consent to receiving push notifications from us for our everyday business purposes (including identity verification).  You authorize us to send or provide by electronic communication, using automated technology or otherwise, on your enrolled mobile device any notice, statement, communication, amendment or replacement to the terms of use, or disclosure required to be provided orally or in writing to you. You agree to receive any electronic communication provided to you and will not attempt to avoid receiving any such communication. You are deemed to have received any electronic communication provided to you when they are made available to you.  We will not be responsible for communications that are not received by you for any reason outside of our reasonable control.  We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.  Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges.  In the event your enrolled mobile device is lost or stolen, you must re-enroll on a new device or synch your new mobile device’s profile to that of your old mobile device to recommence delivery of your electronic statement.

Regardless of whether you receive an electronic statement, and regardless of whether your receipt of an electronic statement is timely, you are responsible for making timely payment on your account.

 

ESIGN Consent

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal ESIGN Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

 

Security

You agree not to make the electronic statement from us on your mobile device available to any unauthorized individuals. If you permit anyone to view your electronic statement, you are responsible for any transactions they authorize. If you believe there has been any unauthorized access to your electronic statement, you must notify us at once by phone at 866-464-0269, or email customerservice@glsllc.com.

 

Alterations and Amendments

These terms of use may be altered or amended from time to time by posting a link to a revised version on the reverse side of your electronic statement.  Any use of the Service after a notice of change or after receiving a link to a revised version of these terms of use will constitute your agreement to such changes and revised versions. The revised version will be effective at the time it is made available to you unless a delayed effective date is expressly stated in the revision.  We reserve the right to limit access to only the Service’s more recent revisions and updates. Your use of the Service may be terminated or suspended at any time for any reason or no reason. Neither termination nor suspension shall affect your liability or obligations under this Agreement or under your underlying contract with us.

 

Arbitration

For any claim (excluding claims for injunctive or other equitable relief) arising out of or relating to these terms of use, the parties must resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. The party commencing arbitration will initiate such arbitration through the American Arbitration Association (“AAA”) or an established alternative dispute resolution (ADR) administrator mutually agreed upon by the parties. The parties agree that the following rules shall apply: (a) the arbitration may be conducted telephonically, online and/or be solely based on written submissions, at the election of the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties, their representatives or witnesses unless otherwise mutually agreed by the parties; (c) discovery shall not be permitted; (d) the matter shall be submitted for decision within ninety (90) days of initiation of arbitration, unless otherwise agreed by the parties, and the arbitrator must render a decision within thirty (30) days of submission; and (e) any award in such arbitration shall be final and binding upon the parties and may be submitted to any court of competent jurisdiction for confirmation.   The parties acknowledge that remedies available under federal, state and local laws remain available through arbitration. NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.

Governing Law

These terms of use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflicts of laws provisions.

 

Exclusion of Warranties/ Limitation of Liability

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.  WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SERVICE, AND OPERATION OF THE SERVICE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.  SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU.

In no event shall we or our service providers for the Service (or either of our respective officers, directors, employees, affiliates or stockholders) be liable for any damages of any kind arising from the use of the Service or otherwise relating to this Agreement, including without limitation any DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR TORT DAMAGES or LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF), regardless of WHETHER SUCH CLAIM ARISES IN TORT, CONTRACT, OR OTHERWISE.

 

Intellectual Property

All marks and logos related to the Service are either trademarks or registered trademarks of us, our service providers, or one of such parties’ respective affiliates or licensors.  You may not copy, modify, translate, decompile, reverse engineer, reproduce, adapt or disassemble the Service, which is the sole property of us, our service providers, or one of such parties’ respective affiliates or licensors.  With the exception of your right to use the Service in accordance with the terms hereof, which right may be revoked by us, you are not granted any rights of any kind in the Service, marks, or logos, and we and the foregoing parties hereby reserve all such rights.  The content accessed through the Service is the property of the applicable content owner and may be protected by applicable copyright or other law.

 

Apple is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.