Garnet Credit Management LLC (“we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information in compliance with applicable laws, including the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and U.S. federal laws.
Information We Collect
Subject to the specific product and service you are provided by us, we may collect personal information including:
- Your name, address, and phone number
- Email address
- Social security number
- Your transactions with us
How We Use Your Information
We use your personal information for purposes such as:
- Providing investment advisory services
- Communicating updates, offers, and reports
- Complying with legal and regulatory requirements
- Reporting to credit bureaus
Legal Basis for Processing Personal Data (GDPR)
We process personal data under the following lawful bases:
- Consent: When you have provided explicit consent.
- Contractual Obligation: To perform a contract or provide requested services.
- Legal Compliance: To fulfill legal or regulatory obligations.
- Legitimate Interests: For improving services and ensuring security.
Your Privacy Rights
California Residents (CCPA)
- Right to Know: Request details of personal information we have collected.
- Right to Delete: Request deletion of your personal data, subject to legal exceptions.
- Right to Opt-Out: Opt-out of the sale of personal information.
- Right to Non-Discrimination: Receive equal service and pricing regardless of your privacy rights exercise.
To exercise these rights, please contact us at (212) 970-6600.
European Union Residents (GDPR)
- Right to Access: Obtain confirmation about whether your data is being processed.
- Right to Rectification: Correct inaccurate or incomplete personal data.
- Right to Erasure: Request the deletion of personal data in certain circumstances.
- Right to Restrict Processing: Limit how your data is processed.
- Right to Data Portability: Receive your personal data in a structured, commonly used format.
- Right to Object: Object to processing based on legitimate interests.
To exercise these rights, please contact us at (212) 970-6600.
United States Residents (Federal Law)
- Receive an annual notice of our privacy practices.
- Opt-out of certain disclosures of your personal financial information to non-affiliated third parties, unless otherwise permitted by law.
To exercise your rights under Federal Laws, please contact us at (212) 970-6600.
Sharing Your Information
We do not sell personal information. However, we may share your information with:
- Service Providers: To facilitate services such as data storage, analytics, and customer support.
- Regulatory Bodies: To comply with applicable laws and regulations.
- Business Partners: With your consent or as necessary to provide services.
Data Security
We implement industry-standard security measures that comply with federal law to protect your personal information from unauthorized access, use, or disclosure. In the unlikely event that any unauthorized person gains access to your personal information, we will contact you as soon as possible.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your online experience. You can control cookie preferences through your browser settings or by using the Cookie Preferences option at the bottom of our website.
Cross-Border Data Transfers
If you are accessing our services from outside the United States, your data may be transferred to and processed in the U.S. By using our services, you consent to this transfer.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.
Contact Us
If you have questions or concerns about this Privacy Policy or wish to exercise your rights, please contact us:
Garnet Credit Management LLC
600 Fifth Avenue, Suite 200
New York, NY 10020