GLOBAL FINANCIAL CORP. PRIVACY POLICY

1. General Website Usage

You may visit our website to learn about Global Financial, our company, our financial services, our dealer relationships, customer account services, and other information about our business without necessarily providing personal information.

During general website usage, we may collect and store certain technical and usage information, which may include your Internet Protocol (“IP”) address, browser type, device type, operating system, the website or page you visited before accessing our website, the pages you request, the date and time of your visit, and other information concerning how you use our website.

We may use this information to measure website activity, operate and maintain our website, improve website functionality and user experience, monitor website performance, and help protect the security of our website and systems.

If you are a customer or otherwise provide personal information to us in connection with our financial services, information collected through our website may also be used and shared as described in our Privacy Notice.

Our website may contain links to third-party websites that are not controlled or operated by Global Financial. We recommend that you review the privacy policy of any third-party website before providing personal information.

2. Information We Obtain From You About You

In addition to information gathered through general website usage, we may collect information that you submit or provide to us through our online services, customer account portal, telephone calls, emails, payment services, applications, correspondence, or other communications sent to us by you.

We may also collect information that you provide when you apply for financing, establish or access an account, make a payment, request customer service, or otherwise interact with Global Financial.

The types of personal information we may obtain directly from you include:

• Identifiers, such as your name, mailing address, email address, telephone number, Social Security number, driver's license number, account number, or other identifying information;
• Financial information, such as income, bank account information, payment information, account balances, and payment history;
• Credit information, such as credit history and credit scores;
• Employment information;
• Vehicle and financing information;
• Insurance information;
• Records of your interactions with Global Financial, including telephone calls, text messages, emails, correspondence, and other communications; and
• Communication or service preferences.

The types of personal information we collect and share in connection with your financial relationship with Global Financial are also described in our Privacy Notice.

3. Information We Obtain From Third-Party Sources About You

At times, given the relationship between you and Global Financial, it may be necessary to obtain information about you from third-party sources.

These sources may include consumer reporting agencies, automobile dealers, insurance companies and insurance-related service providers, state motor vehicle and governmental agencies, vehicle history and title-related service providers, payment processors, financial institutions, and other service providers or sources as permitted or required by law.

The information we obtain from these third-party sources may include identifying information, credit and financial information, employment information, insurance information, vehicle information, account information, and other information necessary to evaluate, administer, service, or protect a financial transaction or account.

Information obtained from third-party sources in connection with your financial relationship with Global Financial may be collected, used, and shared as described in our Privacy Notice.

4. How the Collected Information Is Used

We may use information collected from you or third-party sources to:

• Personalize and improve your experience when using our website;
• Operate, maintain, and improve our website and online services;
• Process and respond to your requests and inquiries;
• Enter into, process, and administer transactions with you;
• Evaluate and process financing applications;
• Establish, maintain, and administer customer accounts;
• Service and manage retail installment contracts and automobile financing;
• Process payments and other authorized transactions;
• Provide customer service and account support;
• Verify your identity and account information;
• Communicate with you regarding your account, transactions, products, or services;
• Maintain business, financial, and customer records;
• Detect, investigate, and prevent fraud, identity theft, unauthorized activity, and other unlawful activity;
• Protect the security and integrity of our website, systems, and information;
• Perform accounting, auditing, compliance, risk-management, and other legitimate business functions;
• Comply with applicable federal, state, and local laws, regulations, legal processes, and governmental requests; and
• Exercise and protect our legal rights and interests.

Information relating to your financial relationship with Global Financial is also subject to the practices described in our Privacy Notice.

5. Cookies

Cookies are text files stored by your browser when you visit a website. As you browse the internet, websites may send cookies to your browser.

Our website may use cookies and similar technologies to support website functionality, remember certain preferences, understand how visitors use our website, improve website performance, and assist with security.

Your browser settings may allow you to accept or reject cookies and may notify you when a cookie is being sent. Disabling certain cookies may affect the functionality or availability of portions of our website.

6. Our Internet Services

To use certain online services provided by Global Financial, such as customer account services or electronic payment services, we may require certain identifying information to verify your identity and confirm that you are authorized to access the applicable account.

This information may include your name, account number, Social Security number, email address, telephone number, or other information necessary to verify your identity or provide the requested service.

We use this information to identify and authenticate you, provide access to your account, process requested transactions, provide customer service, communicate with you, protect against unauthorized access, and maintain the security of our systems.

Information associated with your financial relationship with Global Financial is collected, used, and shared in accordance with applicable law and our Privacy Notice.

7. Emails Containing Personal Information

Internet users may provide Global Financial with personal information through emails or other electronic communications concerning their account or other matters.

We may use information provided through these communications to identify you, determine how to respond to your request, provide customer service, administer your account, investigate questions or disputes, maintain business records, and improve our services.

If you are a customer or provide information in connection with our financial services, information provided through these communications may also be handled in accordance with our Privacy Notice.

Please do not send sensitive personal or financial information through unsecured email unless specifically requested by Global Financial or submitted through a secure method provided by us.

8. Sharing Your Information

Global Financial may share information obtained about you with affiliated and nonaffiliated third parties as permitted or required by applicable law.

This may include:

• Sharing information with service providers that perform services on our behalf;
• Sharing information with payment processors and financial institutions to complete authorized transactions;
• Sharing information with consumer reporting agencies;
• Sharing information with insurance companies and insurance-related service providers;
• Sharing information with automobile dealers and other parties involved in a financing transaction, as appropriate;
• Sharing information with vehicle, title, registration, and motor vehicle service providers;
• Sharing information with attorneys, accountants, auditors, consultants, and other professional service providers;
• Sharing information with government agencies and regulatory authorities;
• Sharing information with courts, law enforcement agencies, or other parties when required or permitted by law;
• Sharing information with parties involved in fraud prevention, identity verification, or security activities;
• Sharing information with a successor to all or part of our business, including in connection with a merger, acquisition, sale, financing, restructuring, or other transfer of our business or assets; and
• Sharing information when otherwise authorized, permitted, or required by applicable law.

Our Privacy Notice provides additional information concerning the circumstances in which Global Financial may share personal information, including sharing for everyday business purposes, marketing purposes, joint marketing, and certain sharing involving affiliates and nonaffiliated third parties. Our Privacy Notice also explains whether certain types of information sharing may be limited.

9. Information Security

Global Financial takes reasonable measures designed to protect your personal information from unauthorized access and use.

These measures include administrative, technical, and physical safeguards appropriate to the nature of the information and our business activities. Such safeguards may include computer security measures and secured files and facilities.

Access to personal information is limited to individuals and service providers who have a legitimate business need for the information or who are otherwise authorized to access it.

Although we take reasonable measures to protect personal information, no method of transmitting or storing information can be guaranteed to be completely secure.

Additional information regarding how we protect your personal information is provided in our Privacy Notice.

10. Third-Party Websites

Our website may contain links to websites or services operated by third parties.

These third-party websites are not controlled or operated by Global Financial and may have privacy practices that differ from ours. We recommend that you review the privacy policy of any third-party website before providing personal information.

Global Financial is not responsible for the privacy practices, content, or security of third-party websites.

11. Children's Privacy

Our website and online services are intended for adults and are not directed toward children.

We do not knowingly collect personal information from children through our website in violation of applicable law.

If you believe that a child has provided personal information to us through our website, please contact us so that we can evaluate the situation and take appropriate action.

12. Changes to This Privacy Policy

We reserve the right to change, modify, or update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or privacy practices.

When we make changes, we will update the Effective Date shown at the beginning of this Privacy Policy. Any revised Privacy Policy will apply as described in the revised policy and as otherwise required by applicable law.

We encourage you to periodically review this Privacy Policy for the most current information about our privacy practices.

13. Privacy Notice

If you are a Global Financial customer or otherwise provide personal information to us in connection with our financial services, please also review our Privacy Notice.

Our Privacy Notice provides additional information regarding the types of personal information we collect and share, the reasons we may share your personal information, whether certain types of sharing may be limited, and how we protect your personal information.

The Privacy Notice also provides information regarding your available choices concerning certain types of information sharing and explains how you may contact us regarding those choices.

14. Questions?

If you have any questions, comments, or concerns about this Privacy Policy, our Privacy Notice, or our privacy practices, please contact us:

Atlas Financial Co. d/b/a Global Financial Corp. 5350 Transportation Blvd., Suite 14 Garfield Heights, OH 44125

Phone: (216) 458-3100 Email: info@gfcfinance.com