# Privacy, Cookies, Security, and Legal

The following privacy notices apply as described more specifically in the notices, for example, they apply to personal data that our businesses outside of the United States collect about representatives of their commercial customers. For privacy notices that apply to certain none employees, such as employees of vendors providing services to our platform, see the International Non-Employee Privacy Notices below.

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

- Social Security number and employment information
- Account balances and transaction history
- Credit history and investment experience

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons we chooses to share; and whether you can limit this sharing.

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways in which we contact you)

For our affiliates’ everyday business purposes — information about your transactions and experiences

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For more information, visit https://globalmerchb.com

Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.

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