PURPOSE OF THIS NOTICE: Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of KARSANIDI GROUP, INC.
OUR PRIVACY POLICIES AND PRACTICES:
Information we may disclose to third parties: We may disclose all of the information that we collect about you, as described above.
Nonaffiliated third parties to whom disclosures may be made:
A. Nonaffiliated Third Parties To Whom Disclosures May Be Made We may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to: Financial service providers, such as ‘property & casualty insurers, automobile insurers, life insurers, securities broker-dealers, and insurance agents" , Non-financial companies, and others. We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.
Affiliates with whom we share certain information protected by the fair credit Reporting Act, unless you tell us not to:
A. Information we can share with our affiliates, unless you tell us not to: Unless you tell us not to, we may share with our affiliated companies information about you, including: Information we obtain from your insurance application, such as your income or your marital status; Information we obtain from a consumer report, such your credit score or credit history; Information we obtain to verify representations made by you, such as your open lines of credit; and Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history.
B. Our affiliated companies who may receive this information are: Financial service providers, such as: ‘insurers and securities broker dealers; Non-financial companies and others.
C. How to tell us not to share this information with our affiliated companies: If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by filling out and tear off the bottom of this sheet and mail it back to the address shown there.
Our practices regarding information confidentiality and security: We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Reservation of the right to disclose information in unforeseen circumstances: In connection with the potential sale or transfer of its interests, KARSANIDI GROUP, INC. and its affiliates, reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be KARSANIDI GROUP, INC.’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.
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If you have any questions about this notice, please contact KARSANIDI GROUP at 800.277.5407
__________ I want to exercise my right under the FCRA to opt out of affiliate information sharing.
__________ I want to exercise my right under the GLBA to opt out of information sharing with non-affiliated third
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