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GreenBerry Financial Services, Inc., 2009
Privacy Policy
We are advising you of GreenBerry
Financial Services, Inc. Privacy Policy to explain our treatment
of personal information throughout our organization.
If specific laws, rules or regulations require GreenBerry
Financial Services, Inc. to provide you with additional or
different privacy-related rights beyond what is set forth in
this Policy, then we will comply with those specific laws, rules
or regulations.
This Policy covers the personal information of current and
former individual GreenBerry Financial Services, Inc. customers.
In addition, this Policy covers the personal information of
other individuals with whom GreenBerry Financial Services, Inc.
has an existing or prospective relationship where such
protection is required by applicable laws, rules or regulations.
In this Policy, "personal information" refers to any "nonpublic
personal information" as defined under the
Gramm-Leach-Bliley-Act, which generally includes, but is not
limited to, nonpublic information that you provide to us or that
we obtain about you in connection with the customer
relationship.
Personal Information We Collect
Based on our relationship with you, we collect personal
information from and about you that is relevant and appropriate
under the circumstances. For example, we may collect or verify
personal information from or about you in the following ways:
* From loan documents, applications, forms, communications
and other interactions, information including your name,
address, email address, telephone number, Social Security or
other identification number, income, source of funds and other
financial information.
* From your loan history with GreenBerry Financial
Services, Inc. or from our affiliates or prior loan servicer.
* From entities outside GreenBerry Financial Services, Inc.
("nonaffiliated third parties"), information including your
creditworthiness/credit history and identity. These
nonaffiliated third parties may include, but are not limited to,
consumer/credit reporting agencies, tax authorities, information
available in the public records and insurance companies.
Use of Personal Information
We use personal information to operate our business in a prudent
and efficient manner. Without limitation, we may use this
information in the following manner:
* To provide you with products and services that you have
requested.
* To respond to inquiries and requests or to resolve disputes.
* To attempt to prevent fraud and to allow us and your original
lender to perform risk control.
* To verify your identity.
* To verify information related to the collateral securing a
loan, such as insurance coverage and property taxes.
* To obtain asset and obligation information.
* To comply with legal and regulatory requirements in accordance
with applicable laws, rules and regulations.
* To otherwise conduct business and service your loan.
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Sharing Personal Information
with Affiliates
In connection with the uses described above, we may, depending
on the nature of your relationship with us, share some or all of
your personal information with our affiliates. You may have the
right to instruct us not to share certain eligibility
information, such as certain loan application or credit
eligibility information, with our affiliates. Please note that,
even if you exercise this option, we may still share this
information with our affiliates when they are assisting us in
serving you and we may continue to share transaction and
experience information with our affiliates. If you would like to
limit the sharing of eligibility information among our
affiliates, please call (+1) (800) 991-0095.
Sharing Personal Information with Nonaffiliated Third Parties
GreenBerry Financial Services, Inc. does not rent or sell
personal information. In connection with the uses described
above, we may share some or all of the personal information we
collect with nonaffiliated third parties as allowed by law or to
assist us in servicing and adminis-tering your loan.
These nonaffiliated third parties may include:
* Persons who own or have a financial interest in your loan and
their agents;
* A new loan servicer resulting from the sale or transfer of
your loan;
* A consumer/credit reporting agency;
* An insurance company that may provide coverage to protect the
interest in the secured property;
* Entities in response to a subpoena or other court order;
* To professional service organizations or other service
providers used to perform services on our behalf; or
* To third parties that perform marketing services on our behalf
or to other financial institutions with whom we have joint
marketing agree-ments in order to make various financial services
available to you. These third parties must agree to strict
confidentiality provisions to assure the protection of the
personal information.
Among other things, these nonaffiliated third parties are
entitled to receive this information because they:
* Help us carry out activities related to the servicing of your
loan;
* Mail billing statements and other information;
* Help us verify information, including your identity;
* Provide us with consulting, accounting, audit, legal and other
professional services;
* Help us develop, operate and maintain our services and
systems.
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Confidentiality and Security of Personal Information
People. We educate our employees to treat personal
information with care, and work to limit access to this
information to individuals who need it for the purposes stated
in this Policy.
Policies and procedures. We maintain and monitor our
physical, electronic and procedural safeguards to comply with
applicable regulations, updating them as needed to protect
personal information.
Security. We take technical and organizational security
measures as we deem appropriate to keep personal information
confidential and secure against unauthorized or unlawful
processing and prevent loss, destruction or damage.
Accuracy of Personal Information
We endeavor to keep our records of your personal information
current and complete. If you become aware of any discrepancies
in your personal information, please notify us and we will make
the necessary corrections.
Special Note for Vermont Residents
Vermont Residents: If your primary address on our records
is in Vermont, then we will not share eligibility information
with our affiliates for their use unless you "opt in" or
affirmatively consent for us to do so by calling (+1) (800)
991-0095. We are permitted to share information which is not a
credit report under Vermont law without your consent, such as
information related solely to our transactions and experiences
with you.
Contact Information if You Have Questions
GreenBerry Financial Services, Inc. is responsible for ensuring
that personal information collected about you is handled in
accordance with this Policy and applicable laws, rules and
regulations. If you have any questions regarding this Policy or
our privacy-related practices, please contact us at (+1) (800)
991-0095.
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