Privacy Policy

NOTICE In accordance with applicable law, Gail E. Garrett hereby gives notice of its Privacy Policy. This Privacy Policy or other specific instructions or requirements for handling personal information are communicated to third parties to whom personal information is disclosed. We also make our Privacy Policy available on our website. CHOICE AND CONSENT You consent to our use of your nonpublic personal information so that we can provide financial services to you. COLLECTION We may collect nonpublic personal information about you from a variety of sources, including, but not limited to: ◦Information we receive from you. ◦Information about your transactions we secure from our files, or from our affiliates or others. ◦Information we receive from a consumer reporting agency. ◦Information that we receive from others involved in your transaction, such as the real estate agent or lender. Nonpublic information is collected only for the purposes necessary to the transaction. Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be collected about you but if we do we will inform you. USE, RETENTION AND DISPOSAL We use the nonpublic information about you to help us provide financial services to you. We retain the nonpublic information about you pursuant to our Security Plan which also dictates how such nonpublic information is disposed of. The information provided by you to facilitate the transaction will be maintained by us as needed to perform our job.. We retain your personal information for as long as it is needed to fulfill that purpose. ACCESS We make reasonable efforts to restrict access to nonpublic information about you to those employees who need to know that information in order to serve you. If you wish to access your nonpublic personal information contact Gail E. Garrett. We will provide you with the nonpublic personal information after we authenticate that you are entitled to the information. If we determine that you are not entitled to such nonpublic personal information we will inform you in writing of that fact and the reason for such denial. Personal information is provided to the individual in an understandable form, in a reasonable timeframe, and at a reasonable cost, if any. If the request is denied you will be informed of the reason in writing. DISCLOSURE TO THIRD PARTIES We may disclose any of the above information that we collect about our customers or former customers to our affiliates as permitted by law. Nonpublic personal information is disclosed to third parties only to facilitate the transaction and provided third parties protect the information in a manner consistent with the relevant aspects of this privacy policy. We have procedures in place to evaluate that the third parties have effective controls to meet the terms of the agreement, instructions or requirements. Personal information disclosed to third parties for other purposes or uses will require explicit consent. SECURITY We maintain safeguards that comply with federal and state law to guard your nonpublic information. We monitor the effectiveness of those safeguards and take appropriate action as needed to continue such protection. QUALITY We maintain safeguards to ensure the quality of the nonpublic information that we collect. MONITORING AND ENFORCEMENT Privacy policies and procedures are updated to reflect changes in law, contract, business requirements, responsible parties and technology. We take appropriate action if there is misuse of personal information by employees or third parties. Any noncompliance is documented and reported and, if necessary, corrective and disciplinary measures are taken in a timely manner. 2017