Privacy Policy

Last updated: 23 February 2018

GRT Financial, Inc (hereinafter “Company”) is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what Company does to keep information about you private and secure. This Policy covers only information that you provide to Company or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.

Personal Information We Collect

The personal information we collect about you comes from the following sources:

• Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone, through our website or in documents or applications,
• Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and any information provided by your creditors, and
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.

When We Disclose Personal Information

We may disclose personal information to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information when required by law, such as to protect against fraud or in response to a subpoena. We may share or transfer our information in the event we transfer or sell our business assets to another provider. We may also share information with third parties that may be able to assist you in furthering the goals of the relationship between you and us, such as a loan provider that may assist with a debt consolidation loan.

In carrying out our services, we may disclose personal information as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services. In some states, we may be required to provide personal information to a state regulator or auditor in order to comply with an audit or licensing requirements.

In order to improve our processes and business, we may use your personal information as part of routine data analysis and reporting. In such instances, the personal information used is not identifiable to you, and may be shared with third-party contractors to audit our procedures and evaluate our business.

Your Choices/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to Company you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to withdraw your consent when such information is collected.

Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:

GRT Financial, Inc.
26711 Northwestern Hwy., Ste. 375
Southfield, MI 48033

E-mail: info@grtfinancial.com

Phone: (800) 811-5721

Please be aware that withdrawing your consent may limit or hamper our ability to provide certain services to you. If you wish to withdraw consent, we ask that you contact us so that we may tailor a privacy plan that works for you.

How We Protect Your Information

We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.

This Policy applies to current and former customers. If you have any questions, please contact GRT Financial, Inc., at the address above.

Notice to California Residents

In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. Among our affiliates, we will limit information sharing to the extent required by California law. You can also limit our sharing for joint marketing with other financial institutions. California residents who provide us with their personal information may request certain information regarding disclosures made to third parties for direct marketing purposes, including the names and address of those to whom such disclosures have been made. Such requests must be submitted to us at the following mailing address: California Privacy Request, GRT Financial, Inc., 26711 Northwestern Hwy., Ste. 375, Southfield, MI 48033. This request may be made no more than once per calendar year.

Notice to Vermont Residents

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with your with our affiliates without your consent.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at info@grtfinancial.com. 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; e-mail: BCPINFO@ag.state.nv.us

A Special Note About Children’s Privacy

We do not knowingly collect, use or share personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the products and/or services offered on our website(s) only in conjunction with your parents or guardians.

Testimonials

If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any public use. We will post your name as given to us in your testimonial. We may post a photo of you or use a stock photo. Please be aware that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or used by the general public, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you choose to submit. If at any time you decide to remove your testimonial, please contact us via e-mail or postal mail.