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Privacy Policy for Globus Capital Advisors

Last Updated: June 19, 2023

1. Introduction

Globus Capital Advisors (“we”, “us”, “our”, “Globus”) respects your privacy and is committed to protecting your personal data. This Privacy Policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) or use our services, and tells you about your privacy rights and how the law protects you.

Please use the Glossary to understand the meaning of some of the terms used in this Privacy Policy.

2. Important Information and Who We Are

Globus Capital Advisors is the controller and responsible for your personal data.

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions about this Privacy Policy, including any requests to exercise your legal rights, please contact the DPO using the details set out below.

Contact details

Data Protection Officer
Email: craig@globuscapitaladvisors.com
Address: 30 N. Gould Ave. Suite R; Sheridan, WY 82801

3. The data we collect about you

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

– Identity Data includes first name, last name, username or similar identifier, marital status, title, date of birth and gender.
– Contact Data includes billing address, delivery address, email address and telephone numbers.
– Financial Data includes bank account and payment card details.
– Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
– Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
– Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.

4. How we use your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

– Where we need to perform the contract we are about to enter into or have entered into with you.
– Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
– Where we need to comply with a legal obligation.

5. Disclosure of your personal data

We may have to share your personal data with the parties set out below for the purposes set out in paragraph 4 above:

– Service providers who provide IT and system administration services.
– Professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.
– Regulators and other authorities who require reporting of processing activities in certain circumstances.

6. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

7. Data retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

8. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. Please contact us if you require further information on these rights.

9. Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review. This version was last updated on June 19, 2023.

10. Glossary

– Personal Data: Any information relating to an identified or identifiable individual.
– Processing: Any operation or set of operations which is performed on personal data or on sets of personal data.

This privacy policy has been drafted with brevity and clarity in mind. It does not provide exhaustive detail of all aspects of our collection and use of personal information. However, we are happy to provide any additional information or explanation needed. Any requests for further information should be sent to craig@globuscapitaladvisors.com.

11. Complaints

If you have any concerns or complaints about how we are handling your data, please do not hesitate to get in touch with our data protection officer. You have the right to lodge a complaint with the supervisory authority.

Please note that this policy may change from time to time and any changes will be communicated appropriately.

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Partial Interest Only loans have an initial IO period, followed, by a fully amortizing period until maturity.
The initial IO period generally depends on the Rate Type.

5/6 ARM = 5 years
7/6 ARM = 7 years
10/6 ARM & 30 YR FRM = 10 years"