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TERMS AND CONDITIONS

Canary Wharf London

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Please read this GemCap Online Terms and Conditions carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use a Site. By accessing or using a Site, you agree to this GemCap Online Privacy Policy.

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Information We Collect:

We collect personally identifiable information (“Personal Information”) about you from the following sources: (i) information you provide us in a Plan application submitted through this Site or other application method or process, and (ii) information you otherwise choose to provide us through the Site or other application method or process. Additionally, we collect information relating to the payments you make under your Plan and related payment data (“Payment Information”).

How We Use Your Personal Information and Payment Information:

Personal Information provided through your Plan application is used solely to evaluate your application and is subject to this GemCap Online Privacy Policy.

Personal Information provided through other venues on the Site is used and disclosed solely to respond to your inquiries or requests.

We may aggregate or de-identify your Personal Information and then use or disclose that aggregated or de-identified information to evaluate the Site’s effectiveness, to improve our products or services, or for other activities to the extent permitted by law.

We may also de-identify, aggregate or anonymize your Payment Information. We may share that de-identified, aggregated or anonymized Payment Information with third parties for marketing or other purposes, to the extent permitted by law.

Security

We maintain administrative, technical and physical safeguards designed to protect the Personal Information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. SSL encryption also is used on our Site when you are asked to enter confidential information as part of your application. You can tell you have entered an encrypted session in several ways. Whenever you see an unbroken key or a locked padlock icon on the bottom of your browser screen, you have entered an encrypted session. In addition, when your session changes from "http" to "https," you are in an encrypted session.

Children

We do not knowingly collect or use personal information from children under 13 years of age without obtaining verifiable consent from their parents. We are not responsible for the data collection and use practices of non-affiliated third parties to which our Site may link.

Links to Other Websites

We are not responsible for the information collection practices of third-party links you click to from our Site. We cannot guarantee how these third parties use cookies or whether they place cookies on your computer that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit before you provide them with any personal information.

Use of Cookies and Web Beacons

"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your browser on your device. Web beacons are small pieces of data that are embedded in images on the pages of websites. Hank Payments and certain third parties may set and access cookies or web beacons to track and store information about you.

We use two types of cookies, namely “persistent cookies” and “session cookies.” Session cookies will normally expire when you close your browser, while persistent cookies will remain on your device after you close your browser, and can be used again the next time you visit our site.

We may also allow our business partners to place web beacons on our site or to place cookies on your device for advertising or other purposes.

Third parties that use cookies and other tracking technologies to deliver targeted advertisements on our platform or third-party sites may offer you a way to prevent such targeted advertisements by opting-out at the websites of industry groups such as the Network Advertising Initiative (http://www.networkadvertising.org/choices/) or the Digital Advertising Alliance (http://www.aboutads.info/choices/).

Disabling Cookies and Do-Not-Track

While you may disable the usage of cookies through your browser settings, we do not change our practices in response to a “Do Not Track” signal in the HTTP header from your browser or mobile application. We track your activities if you click on advertisements for GemCap services on third-party platforms such as search engines and social networks and may use analytics to track what you do in response to those advertisements. We may also use web beacons and tracking URLs in our messages to you to determine whether you have opened a certain message or accessed a certain link.

Questions?

If you have questions about this GemCap Online Privacy Policy, please contact us at:

GemCap Customer Service at:

GemCap Equity Management, Inc.
5660 Southwyck Blvd, Suite 200G, Toledo, OH 43614

Email: customerservice@gemcap.com

Tel: 419-866-1910

Terms of Service

 customerservice@gemcap.com

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The Gemcap Equity Building System Program is issued through Cottonwood Payments, a division of, FinWise Bank, Member FDIC.  The Program is marketed and distributed by Gemcap Equity Management, Inc.

Gemcap virtual prepaid accounts (“Accounts”) are issued by Cottonwood Payments, a division of, FinWise Bank, Member FDIC. Gemcap Equity Management is a limited agent of Cottonwood Payments, a division of, FinWise Bank, Member FDIC (the "Bank") and is authorized to market and distribute the Equity Building System Program on behalf of the Bank. See the Program Agreement and Terms and Conditions for a complete list of details including the costs, fees, limitations, and terms associated with the virtual prepaid Account as well as your rights and responsibilities under the Program.  Please see full Fee Schedule for all applicable fees.

IMPORTANT INFORMATION FOR OPENING A PREPAID ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a prepaid Account.

WHAT THIS MEANS FOR YOU: When you open a prepaid Account, we will ask for your name, address, date of birth, and your government-issued ID number. We may also ask to see your driver's license or other identifying information. Your prepaid Account cannot be opened or available for use until it is activated and your identity has been verified. If you begin the verification process but are required to provide additional identifying information, the use of your prepaid Account will be subject to certain limitations.

The program is powered by Hank Payments. Your funds will be held at or transferred to Cottonwood Payments, a division of, FinWise Bank, Member FDIC. While there, your funds are insured up to $250,000 by the FDIC in the event FinWise Bank fails if specific deposit insurance requirements are met. FDIC insurance does not protect your funds in the event of Hank Payments’ failure or from the risk of theft or fraud. Additional information about deposit insurance is available on the FDIC’s website at https://www.fdic.gov/resources/deposit-insurance.

©2024 by GemCap Equity Management, Inc.

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