Gramm-Leach-Bliley Act (GLBA) Privacy Notice

This notice is provided pursuant to the Gramm-Leach-Bliley Act ("GLBA") and its implementing regulations. It describes how ScoutzOS, Inc. ("ScoutzOS," "we," "us," or "our") collects, uses, shares, and protects your nonpublic personal information ("NPI").

1. Information We Collect

We collect nonpublic personal information about you from the following sources:

Information you provide to us: Such as your name, address, Social Security number, income, assets, employment information, and other financial data you submit through applications, forms, or other communications.
Information from your transactions: Such as your account balances, payment history, transaction history, and loan or investment activity.
Information from consumer reporting agencies: Such as credit reports, credit scores, and other information obtained with your authorization.
Information from third parties: Such as verification services, identity authentication services, and other sources used to verify information you provide.

2. Information We Share

We may share the nonpublic personal information described above with the following types of third parties:

2.1 Affiliates

We may share your information with our corporate affiliates for everyday business purposes, such as processing your transactions, maintaining your accounts, and marketing our services.

2.2 Nonaffiliated Third Parties

We may share your information with nonaffiliated third parties:

As permitted by law: To service providers who perform services on our behalf (such as data processing, payment processing, credit reporting, and customer service), to other financial institutions with whom we have joint marketing agreements, to government entities in response to legal process, and as otherwise permitted by law.
With your consent: To lenders, investors, or other financial service providers you choose to work with through our platform.

2.3 Service Providers

We may disclose your information to companies that provide services on our behalf, including:

Payment processors and financial institutions
Credit bureaus and background check providers
Cloud storage and data hosting providers
Analytics and business intelligence providers
Customer support service providers

These service providers are contractually required to protect your information and use it only for the purposes for which it was disclosed.

3. Information We Do Not Share

We do not sell your nonpublic personal information to third parties for their own marketing purposes.

4. Your Right to Opt Out

You have the right to limit some, but not all, sharing of your nonpublic personal information. You may opt out of:

Sharing with affiliates for marketing purposes: You may direct us not to share information about your creditworthiness with our affiliates for their everyday business purposes.
Sharing with nonaffiliates for marketing purposes: You may direct us not to share your information with nonaffiliated third parties for their own marketing purposes (though we do not currently engage in this practice).

To opt out:

Email us at [email protected] with the subject line "GLBA Opt-Out"
Update your privacy preferences in your account settings
Call us at (404) 913-5765

Note: Even if you opt out, we may still share your information as permitted or required by law, including with service providers who help us operate our business and with government entities in response to legal process.

5. How We Protect Your Information

We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information, including:

Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption.
Access Controls: We restrict access to your information to employees and service providers who need it to perform their job functions.
Physical Security: Our data centers employ physical security measures including access controls, surveillance, and environmental protections.
Security Assessments: We conduct regular security audits, vulnerability assessments, and penetration testing.
Employee Training: Our employees receive regular training on information security and privacy practices.

For more information about our security practices, please visit our Security page.

6. Updates to This Notice

We reserve the right to modify this GLBA Privacy Notice at any time. If we make material changes, we will notify you by posting the revised notice on our website and updating the "Last Updated" date above. We may also notify you by email if you have an active account with us.

7. Other Important Information

7.1 California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Please see our Privacy Policy for more information about your California privacy rights.

7.2 Vermont Residents

In accordance with Vermont law, we will not share nonpublic personal information about Vermont residents with nonaffiliated third parties except as permitted by law, unless you authorize us to make such disclosures.

7.3 Nevada Residents

Nevada law permits Nevada residents to opt out of the sale of certain types of personal information. We do not sell your personal information as defined under Nevada law. If you have questions, please contact us at [email protected].

8. Contact Us

If you have questions about this GLBA Privacy Notice or our information practices, please contact us at:

ScoutzOS, Inc.
Email: [email protected]
Phone: (404) 913-5765

For general privacy inquiries, please see our Privacy Policy. For information about our terms of use, please see our Terms of Service.

GLBA Privacy Notice