GALAXYONE MORTGAGE LLC ("we," "us," "our," or "the Company") is a diversified financial services company headquartered at 100 CAMBRIDGE ST STE 14041, BOSTON, 02114, United States. We provide mortgage lending, credit card issuing, consumer finance, sales financing, equipment and vehicle leasing, agricultural credit, secondary market financing, international trade financing, and specialty lending including factoring and pawnshops. Because we operate across the full spectrum of credit and lending, we handle sensitive financial information about our borrowers, applicants, customers, and counterparties.
This Privacy Policy describes how we collect, use, disclose, retain, and protect information in the course of providing our financial services. Because we provide mortgage, credit card, consumer finance, and trade financing services, we handle information that is subject to federal and state financial privacy laws, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other applicable regulations.
We respect your privacy and are committed to protecting the information you share with us. This policy explains what we collect, why we collect it, how we use it, and the choices you have regarding your information.
If you have questions about this policy or about how we handle your information, you can contact us using the details in Section 14 below.
We collect information necessary to provide our financial services, comply with applicable law, and manage credit and lending risk. The categories of information we collect include:
When you apply for a mortgage, credit card, consumer loan, or other financial product, we collect your name, address, date of birth, Social Security number, government-issued identification, and other identifying information necessary to verify your identity and process your application.
To underwrite your application, we collect your income, employment, assets, debts, credit history, credit score, and other financial information. We obtain credit reports from consumer reporting agencies and verify the information you provide through third-party sources.
For mortgage and real estate lending, we collect property information, appraisals, title reports, insurance information, and other documentation necessary to underwrite and close the loan. We also collect loan payment history and servicing records throughout the life of the loan.
For credit card and consumer loan products, we collect application information, account information, transaction history, payment history, and usage data. We handle this information under applicable credit card and consumer lending regulations.
For automobile financing, equipment leasing, and sales financing, we collect information about the financed asset, the dealer or vendor, the lease terms, and the payment history. We handle this information under applicable sales financing and leasing regulations.
For agricultural lending, we collect information about the farm operation, crops, livestock, equipment, land, and agricultural production. We handle this information under applicable agricultural credit regulations, including programs involving Federal Land Banks and the Commodity Credit Corporation.
For secondary market financing, including FNMA, FHLMC, GNMA, FHLB, and REMIC transactions, we collect loan-level information, pooling data, and investor information necessary to pool, repackage, and sell loans to investors.
For international trade financing, including Export-Import banking, Edge Act corporations, and export trading companies, we collect information about the trade transaction, the parties, the goods, and the cross-border payment terms. We handle this information under applicable trade financing and international banking regulations.
For factoring, pawnshops, and car title lending, we collect information about the accounts receivable, collateral, or vehicle title being financed. We handle this information under applicable specialty lending regulations.
When you visit our website, we collect basic technical information including IP address, browser type, device type, pages visited, and referring URLs. We use this information to operate and improve our website and to understand how customers find us online.
If you sign up for our marketing communications, we collect your email address and any preferences you share regarding the products and services you are interested in. We use this information to send you relevant offers and updates.
We use the information we collect to provide our financial services, manage credit and lending risk, comply with applicable law, and operate our business. Specifically, we use information to:
We do not sell personal information to third parties for marketing purposes. We share information as described in Section 5 below.
To the extent we process personal data of individuals located in the European Economic Area, the United Kingdom, or other jurisdictions with similar data protection laws, we rely on the following legal bases:
We share information with third parties only as necessary to provide our financial services, comply with the law, and manage credit and lending risk. The categories of recipients include:
We obtain credit reports from consumer reporting agencies and report account history to them. We share information with these agencies under the Fair Credit Reporting Act and applicable state law.
For secondary market transactions, we share loan-level information with FNMA, FHLMC, GNMA, FHLB, private investors, and other secondary market participants. We share information as necessary to pool, repackage, and sell loans.
We disclose information to banking regulators, consumer protection regulators, tax authorities, anti-money laundering regulators, and other government agencies as required by applicable law.
We share information with service providers who help us provide our financial services, including payment processors, loan servicing platforms, appraisal companies, title companies, credit reporting agencies, and verification services. These providers handle information under appropriate confidentiality and security obligations.
For mortgage and real estate lending, we share information with title insurance companies, mortgage insurance companies, and property insurance companies as necessary to underwrite and close the loan.
We share information with legal counsel, accountants, and tax advisors who support our business, under appropriate confidentiality and professional responsibility obligations.
For certain transactions, we may share information with affiliate lenders, correspondent lenders, or joint venture partners who participate in the transaction. We share only the information necessary for the transaction.
If we reorganize, merge, or sell all or part of our business, we may transfer information to the successor entity, subject to the protections of this policy and applicable law.
We retain information for as long as necessary to provide our financial services, comply with legal obligations, and resolve disputes. The retention periods that apply include:
When information is no longer needed, we delete it or render it de-identified, subject to any legal hold or retention requirement that applies.
We protect information using administrative, technical, and physical safeguards appropriate to the sensitivity of financial data. These safeguards include:
No system is perfectly secure. If a breach occurs that affects customer information, we will notify affected customers and regulators as required by applicable law, including state breach notification laws and federal banking regulations.
Depending on your jurisdiction, you may have rights regarding your personal information. These rights may include:
To exercise any of these rights, contact us at support@galaxyon.shop. We will respond within the timeframe required by applicable law — typically within 30 days.
Our website uses minimal cookies and tracking technologies. We do not use advertising cookies or third-party tracking pixels for cross-site advertising. The technologies we may use include:
You can control cookies through your browser settings. Disabling essential cookies may affect website functionality.
Because we provide international trade financing and may serve customers and counterparties across national borders, information may be transferred between jurisdictions. When we transfer information internationally, we do so under appropriate safeguards, which may include standard contractual clauses or other transfer mechanisms recognized by applicable law.
If you are located in a jurisdiction with data protection laws, your information may be transferred to a jurisdiction with different privacy laws. We take steps to ensure that your information receives equivalent protection wherever it is processed.
Our financial services are not directed at children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with information, please contact us and we will delete it.
Our website may contain links to third-party websites — such as government-sponsored enterprises, regulators, or industry resources. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party site you visit.
We may update this Privacy Policy from time to time to reflect changes in our business, the regulatory landscape, or applicable law. When we make material changes, we will update the "Effective Date" at the top of this policy and, where appropriate, provide notice to customers. We encourage you to review this policy periodically.
If you have questions about this Privacy Policy, about how we handle your information, or to exercise any of your rights, please contact us:
We will make every reasonable effort to respond to your inquiry promptly and in accordance with applicable law.