Privacy Policy
OPT-OUT: We will not share your nonpublic personal information with others as defined below. Gallery Home Store, on your behalf, has exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.
Overview
Gallery Home Store does not share information about you outside of our Gallery Home Store companies unless permitted by Title V of the Gramm-Leach-Bliley Act of 1999 and other applicable laws and regulations.
Gallery Home Store, its family of financial services companies (“affiliates”) and employees, are dedicated to protecting the privacy of your nonpublic personal information. We maintain information about you in order to provide you with the most effective and convenient access to our broad range of financial products and services. We want you to understand what information we collect, and how we use and protect it. This notice serves as a standard for all Gallery Home Store employees for collection, use, retention and security of nonpublic personal consumer information.
Information we collect
“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service. Such information includes for example, account balance, income, assets, insurance premiums, payment history and overdraft history.
We may collect nonpublic personal information about you from the following sources:
- Information that you provide to us, such as on applications or other forms
- Information about your transactions with us, our affiliates or others, or
- Information from others, such as credit bureaus, real estate appraisers, and employers
Our security procedures
To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards to guard information.
Information we disclose
Gallery Home Store does not disclose nonpublic personal information about you to any companies that are not members of our corporate family (“third parties”), except as permitted by federal law, specifically Title V of the Gramm-Leach-Bliley Act of 1999. The confidentiality of your nonpublic personal information will continue to be maintained consistent with this privacy notice even if you decide to close your account(s), your account becomes inactive, or when you otherwise cease to do business with us.
Gallery Home Store works with a variety of third parties to bring you financial services. We disclose information about you as necessary to fulfill these third party service agreements. For example, we may disclose information about you to third parties that assist us in servicing or maintaining your account or to third parties to whom we may assign your account. We may also disclose information about you to governmental entities, such as sending annual income statements to the IRS, and to other third parties such as credit bureaus, or in response to subpoenas.
Fair Credit Reporting Act Disclosure*
We share information about you with our affiliates. Under the Fair Credit Reporting Act you may direct us not to share certain credit information with our affiliates. Examples of the kind of credit information that you may direct us not to share include the nonpublic personal information you provide in your application or that we obtain about you from nonaffiliated third parties such as credit bureaus. If you don’t want such information shared you may write to us at Gallery Home Store, Attn: General Counsel, 427 North Tatnall Street, Suite 38571, Wilmington, DE 19801-2230. Please provide your name, address, social security number and account number(s).
(NOTE: If you have previously requested that we restrict such sharing you do not need to make another request.)
Your request not to share credit information does not include information we are permitted to share by law, such as information related solely to our experiences or transactions with you. Your account balance and payment history are examples of transaction and experience information that we are always permitted to share with our affiliates.
Gallery Home Store’ Pledge to You
We believe that your privacy should never be compromised. At the same time, we want to offer you the array of products and services you need to accomplish your goals. We believe we can do both by adhering to the provisions of this privacy notice.
Effective date and changes
The effective date of this Privacy Notice is provided below. Any updates or changes to the Notice will be posted on this web site. Consumers who are Gallery Home Store customers will be notified of updates and changes in accordance with federal law.
