PRIVACY POLICY

Your privacy is important to With Purpose, Inc. d/b/a GloriFi and all its affiliate companies and brands (collectively “GloriFi”).  This Policy explains how/what personal information we collect, share, use, protect, and safeguard when you visit or use our online services that links to or reference this Policy (collectively, our “Services”).  The Policy also covers GloriFi mobile application, as well as any interactions you may have while viewing content provided through GloriFi’s digital services, branded social media/blog sites or pages, and digital advertising campaigns.    As you review this Policy, below are important principles to keep in mind: 

Children’s Privacy We do not knowingly solicit information from, or market to, children under 13 years of age, and our digital services/sites are not intended for children under 13 years of age (or 16 years of age in the European Economic Area). If we become aware that we have received personal information from a child under the age of 13 (or 16 years of age in the European Economic Area), we will take steps to delete such information from our records and terminate the child’s account. If you believe we have personal information from a child under the age of 13 (or 16 years of age in the European Economic Area), please contact us by going to www.glorifi.com. For more information on the Children’s Online Privacy Protection Act, please visit the Federal Trade Commission website at www.ftc.gov.   
Locations Our online services are intended for a U.S. audience. If you visit or use one of our online services, you acknowledge and agree that your information may be transferred or processed in the United States.  
California Shine the Light Law California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits Users who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third-parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that were shared and the names and addresses of all third-parties with whom we shared information in the immediately preceding calendar year. Because it is our policy not to share your personal information with third parties for third-party direct marketing purposes without your consent, we are exempt from the requirement to respond to such requests. 
California Residents If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA). See our CCPA policy for more details.  
Other Providers Wireless service providers, Internet service providers, device manufacturers, and/or social media platforms may have their own privacy notices that are different from this one for the information they may access through your use of the Sites. We encourage you to read their privacy notices when using their services. 
Contact Information If you have questions after reviewing this policy, please contact us by going to www.glorifi.com.  

Personal Information and Other Information We Collect   When you visit or use our digital services and products, we or companies we work with, may collect information/data from you as described below: 

  1. Personal Information About you or your Devices such as, but not limited to, your name, social security number, email address, mailing address, telephone number(s), account numbers, date of birth, limited location information (for example, a zip code to help you find a nearby ATM), geo-location of your computer or mobile device, username, PINs, passwords, check images, health information in the course of evaluating and/or underwriting life insurance policies, and sensitive information (as that is defined by various Federal and State regulations). Depending upon which services/products you visit, we may also collect payment card information, bank Swift codes, wire transfers details, Green Card ID, National ID, State ID, Passport/Visa details, driver’s license numbers (or comparable), alias, mother’s maiden name, identity verification information, age, birth/death certificate details, relationship status, photo/images, Tax ID, dependent/beneficiaries details, property ownership details, education details, employment and employment history details, criminal offenses, credit history, credit score/report details, merchant details/history, voice recordings, biometric information such as voice prints, signatures, SMS/Mobile contact details, IP Address (including device ID and advertising ID), cookies, web beacons, pixels, as well as your general/precise location using GPS, a cellular network location, Wi-Fi networks, browser services, or information you provide.  We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies, consumer research sites, reputation services, Know Your Customer (KYC) and/or Anti-Money Laundering (AML) providers, etc. We may combine this information with the personal and other information we have collected about you under this Policy.
  2. De-identified or Aggregated Information that may not necessarily reveal your specific identity. Such information may include information about your Browser, screen resolution, device settings, Operating System, and other technologies regarding websites that referred you and analytics regarding services/websites you visit during and after you leave our site.   

DEFINITIONS: 

CookiesCookies are small data files that we, or a third party we partner with, may place on your browser or other device, including your mobile device. Cookies send information based on your web usage back to us or the third party for marketing research purposes or to allow you to use our Site and Services.
Pixel Tagging, Clear-GIF Images, and/or Web Beacon TechnologiesThese technologies are typically one-pixel, transparent images located on a webpage or in an email or other message, advertisement, and/or similar communications. These tracking technologies allow us or third parties to recognize users, assess traffic patterns, and measure site or campaign engagement.
Locally Stored Objects and/or Flash CookiesThese technologies may be stored on your hard drive using a media player or other software. Like cookies, these technologies send information based on your web usage back to us or the third party typically for marketing research purposes. However, these technologies are typically managed not by your browser but rather by a 3rd party application and/or utility.  

How We Use Information Collected:   Our business purposes for collecting your personal information and other information include, but are not limited to: 

  • Verifying your identity  
  • Processing transactions 
  • Reviewing and processing applications for our services/products  
  • Managing our list of active customers 
  • Providing account maintenance, communications, and customer service 
  • Improving our Site or Services through personalization preferences and customization 
  • Performing market research, measuring business analytics to improve our business, developing new products, personalizing marketing communications (branded/co-brand/affiliate), and identifying usage trends 
  • Tailoring marketing communications from our affiliates as well as from selected third parties, managing our business effectively, and developing new products and services  
  • Engaging in fraud monitoring and prevention, and ensuring compliance with applicable laws and regulations  
  • Protecting our business and our customers against fraud and illegal activities to ensure security and safety when using our Site or Services 
  • Verifying and responding to requests made pursuant to this Policy  
  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and our policies 
  • For any other purpose that we may specifically disclose at the time you provide, or we collect, your information 
  • We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customer) for various business purposes where permissible under applicable laws and regulations 

Certain jurisdictions, most notably those subject to the United Kingdom’s Data Protection Act (DPA) and the European Union’s General Data Protection Regulation (GDPR), require that there be a lawful basis to process personal data.  We have set out below, in a table format, a description of all the ways we plan to use your personal data and which of the legal bases we rely on to do so for those jurisdictions that require a legal basis. We have also identified what our legitimate interests are where appropriate.  Note that in those jurisdictions that require a legal basis in order to process your personal information, we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us at [email protected] if you need details about the specific legal grounds we are relying on to process your personal data where more than one ground has been set out in the table below. 

Purpose/Activity Lawful basis for processing including basis of legitimate interest 
Processing transactions; reviewing and processing applications for our services/products Performance of a contract with you 
Verifying your identity; Providing account maintenance, communications, and customer service; Engaging in fraud monitoring and prevention, and ensuring compliance with applicable laws and regulations; Protecting our business and our customers against fraud and illegal activities to ensure security and safety when using our Site or Services Necessary to comply with a legal obligation; necessary for our legitimate interests (for provision of administration and IT services, network security, and to prevent fraud) 
Managing our list of active customers; Improving our Site or Services through personalization preferences and customization; Performing market research, measuring business analytics to improve our business, developing new products, personalizing marketing communications (branded/co-brand/affiliate), and identifying usage trends;  Necessary for our legitimate interests (to develop our products and services and grow our business, and to better understand how customers use our products and services) 
Tailoring marketing communications from our affiliates as well as from selected third parties, managing our business effectively, and developing new products and services Necessary for our legitimate interests (to grow our business, to develop our marketing strategy, and to market products that may be of interest) 
Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and our policies; Verifying and responding to requests made pursuant to this Policy Necessary to comply with a legal obligation  
Using data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customer) for various business purposes where permissible under applicable laws and regulations Necessary for our legitimate interests (to grow our business, to develop our marketing strategy, and to market products that may be of interest) 
For any other purpose that we may specifically disclose at the time you provide, or we collect, your information Necessary for our legitimate interests (for running our business); consent 

For individuals in the United Kingdom or European Economic Area, we will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.  Please note that we may process your personal data without your knowledge or consent where required or permitted by law.  If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose under the DPA or GDPR, please contact us at [email protected] for more information.   

Disclosure of Information:   We may share the information we collect from and about you with our third party website partners, regulatory agencies, and other third parties to the extent permissible under law and allowable under this Policy. For example, we may share your information with:  

  • Third-party service providers who provide services such as website hosting, data analysis, information technology, customer service, processing transactions, e-mail delivery, auditing, and other services. 
  • Individuals you associate with your social media account and to your social media account provider, in connection with your social sharing activity. 
  • Affiliated websites and businesses to bring you improved service across our family of products and services.  
  • Other companies that may bring you co-branded services, products, or aggregated service programs.   
  • Third-party aggregation service providers. Note that if you share your user credentials or other personal information details regarding your GloriFi accounts with a third-party—including a third-party aggregation services provider—we will consider that you have authorized the third party to access information regarding your account and have consented to all transactions or actions initiated by the third party, whether you were aware of a specific transaction or action. GloriFi cannot monitor your account for actions by any particular third party, so if you decide to revoke a third-party’s access to your account, we strongly recommend that you change your password to ensure that the third party cannot continue to access your account information. You may cancel enrollment in third-party aggregation services and/or delete/deactivate (as per applicable laws) accounts at any time. 
  • We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes. 
  • Third parties or affiliates in connection with a corporate transaction, such as a sale, joint venture, assignment, bankruptcy, consolidation/disposition of stock, business, assets, and/or merger of all or part of our business, accounts, or customers. 
  • Other third parties to comply with legal requirements and authorities such as the demands of applicable subpoenas and court orders; to respond to requests from government regulators; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security, or technical issues; to respond to an emergency; or otherwise, to protect the rights, property, or security of our customers or third parties.  

Online Behavioral Advertising (“OBA”):   We may, directly or through third parties, place advertisements regarding products and services on our online websites, mobile/tablet devices, social media/blog sites, and third-party affiliated sites.   These advertisements may make inferences and predictions about your characteristics, interests, behaviors, and preferences based on the analytics and preferences we collect as you utilize our and/or our partners’ digital solutions.  The types of tracking mechanisms and information collected are described in the above section, “Personal Information and Other Information We Collect.”   Please note that OBA may be for our own products or services, and/or for products and services offered by third parties. Which OBA you see is often determined using the information we, or our affiliates, service providers, and/or other companies that we work with have about you. To that end, where permitted by applicable law, we may share with others the information we collect from and about you.   Opting Out of Digital Advertisements:   You may opt out of advertising, as described herein, and you will not receive such customized ads on the site or in other places. 

Interest-Based Advertising 

The Digital Advertising Alliance and Network Advertising Initiatives provide information about OBA and self-regulatory technologies to opt-out of receiving certain interest-based advertising.  These technologies are browser and device specific; they must be adopted on each device you use. If you block or clear cookies, these technologies may not work. You may continue to see ads on the Site which reflect how you use the Site and our Services.  If you would prefer not to receive interest-based advertising, you can opt-out of this activity by clicking on each of the self-regulatory websites listed below the following the instructions: 

 Note:  We are not responsible if these sites do not work as advertised. 

Do Not Track Browser FeaturesOur Site and Services do not respond to “do not track” signals or similar mechanisms that may be provided by web browsers or otherwise.  We may also permit third parties to collect aggregate usage information regarding your activities on our Services, and those third parties may also not respond to “do not track” signals. 
On mobile devices and tabletsYour mobile devices and tablets may have additional device-level advertising privacy settings where you can hide your identity and/or prevent tracking. The instructions are third-party and device dependent; however, these are options we want you to know about. 
Opt-out LinksOur ads typically include opt-out links and instructions on how to opt-out. Please click on those links if you wish to update your ad and communication profile settings.  

Cancellation, Deletion, or Deactivation of Your Account:  Upon cancellation, deletion, or deactivation of an account, we will retain and use your information only to identify and respond to fraud or illegal activity, to improve our products and services, and as required by any applicable laws, rules, and regulations.  When we no longer need your personal information, we dispose of it in a manner consistent with industry guidance and designed to ensure that it cannot be readily recovered by a third party. In addition, upon cancellation, deletion, or deactivation of an account, we will direct our service provider(s), if any, to delete your data from their records as permitted under applicable law, rules, and regulations.    Third-Party Websites Linked to our Digital Services and Solutions:  We may provide links to other websites that are owned or operated by other companies (“third-party websites” and/or “affiliates”). Please be aware that when you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. We are not responsible for the privacy and security practices of other companies. We recommend that you familiarize yourself with the privacy policy, terms of use, and security practices of the linked third-party website before providing any information on that website.  In addition, we are not responsible for the information collection, usage, disclosure, or the security policies or practices of other organizations, such as Twitter®, Facebook®, Apple®, Google®, Microsoft®, or any other third-party app provider, social media platform provider, operating system provider, device manufacturer, or wireless service provider. This includes any personal information you disclose to other organizations through, or in connection with, the Site/Services.  Security:  Protecting the personal information of our customers is our highest priority, and we use physical, electronic, and procedural safeguards that comply with federal standards to protect your personal information and limit access by any unauthorized third parties or unauthorized disclosure of your personal information to third parties.   Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Account Details, Social Security numbers, etc.) to us.  For information about how to protect yourself against identity theft, please refer to the Federal Trade Commission’s website at www.ftc.gov/news-events/media-resources/identity-theft-and-data-security. Any inquires, questions or security concerns should be addressed to [email protected]m.   Updating your Information:   Keeping your account information accurate and up-to-date is very important. You may review or update certain account information by logging into your customer account and reviewing your account profile and settings.   Notice of Rights for Residents of the United Kingdom or European Economic Area:   This Privacy Notice is issued on behalf of GloriFi, having its registered office at 10000 N. Central Expressway, Suite 1300, Dallas, TX  75231. GloriFi is the data controller for the purposes of this Privacy Policy and responsible for this website.     If you have any questions about this Privacy Policy, including any requests to exercise your legal rights, please contact us at [email protected].   You have the right to make a complaint at any time to the appropriate supervisory authority in your country of residence. We would, however, appreciate the chance to address your concerns directly, so please contact us in the first instance.   Under certain circumstances, you have rights under data protection laws in relation to your personal data. Specifically, you may: 

  • Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to confirm that we are lawfully processing it. 
  • Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of any new data you provide to us. 
  • Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully, or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request for erasure for specific legal reasons which will be provided to you, if applicable, at the time of your request.  
  • Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have a compelling legitimate ground to process your information which overrides your rights and freedoms. 
  • Object to automated decision-making of your personal data when we use automated processing to reach decisions that produce legal or similarly significantly effects upon you. In some instances, we may use machine learning technologies and analytics to assist our business partners in deciding whether and on what terms to offer financial products to consumers. In the event that you choose to exercise this right, you may contest the automated decision-making and a human will intervene in the decision-making. 
  • Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.  
  • Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.  
  • Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain offerings to you. We will advise you if this is the case at the time you withdraw your consent. 
  • Not to be subject to decisions based solely on automated processing of your personal data. This applies to decisions that produce legal or similarly significant effects upon you. In the event that you choose to exercise this right, you may express your point of view and contest the automated decision, and a human will review your situation. 

If you wish to exercise any of the rights set out above, please contact us at [email protected]  You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.   We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.  We try to respond to all legitimate requests within 30 days. Occasionally it may take us longer than 30 days if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.  International Users:  Please note that the Services generally are directed towards users who reside in the United States. By using the Services, you acknowledge that the personal data GloriFi processes and all associated Services are housed on servers located in the United States, and you consent to the collection, storage, processing, and transfer of your information in and to the United States, or other countries and territories, pursuant to the laws of the United States. While some of these countries may not offer the same level of privacy protection as your own, we commit to uphold the privacy protections as explained in this Privacy Policy.  For individuals in the UK or EEA, where we transfer your personal data out of the UK or EEA, we ensure that your data is afforded a similar degree of protection by using specific contracts approved by the European Commission (known as the Standard Contractual Clauses).  Please contact us at [email protected] if you want further information on the specific mechanism used when transferring your personal data out of the UK or EEA.  Privacy Policy Updates and Changes:   This Policy is effective July 1, 2022 (“Effective Date”). We reserve the right and may change our Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Updated/Effective” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise. Your continued use of the Sites/Services following these changes means that you accept the revised Policy.  Jurisdiction:  GloriFi is located in the State of Texas and subject to the jurisdiction and venue of the State of Texas. You agree that any disputes related to the terms of this Policy are subject to the laws of Texas to the maximum extent possible, and any disputes related to these products, services, or solutions shall be addressed by a tribunal located in Texas.   In certain circumstances, information about you may be stored and processed in other countries where we have facilities and/or in which we engage service providers. By using our digital services, you acknowledge and consent to the transfer of information cross-borders to and from countries outside of the United States, which may have data protection rules that are different from those of the United States.  Where permitted, courts, law enforcement agencies, regulatory agencies, or security authorities in those other countries may be entitled to access your personal information.  Contact us:  If you have any questions about this Policy or how GloriFi uses and protects your personal information, you can reach us at [email protected] or [email protected] for more information.  

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Unfortunately, GloriFi has not been approved to conduct mortgage services in your state…yet. So when GloriFi mortgages go live in other states, yours won’t be included. Good news is, we’re working on it and will email you soon as we get the green light!

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THE FULL STORY

Wildly successful, self-made Americans, GloriFi’s founding family didn’t need a job. Truth be told, they didn’t need anything – except 104 like-minded co-founders coming alongside of them to bring their startup vision to life. 

The co-founder employees of GloriFi, like the founding family and most Americans, were also fed up. Tired of being told why we were the problem, who we could or could not vote for. Told what to believe and that the principles on which this great Nation was built, were suddenly unacceptable. Told which of our constitutional rights are right — and that not all of them are. And told that if we stand up for our values and rights, we are being intolerant.  

Watching freedoms erode at breakneck speed, we simply couldn’t sit on the sidelines. So, we set out to create a company that would make a way for millions of Americans, like you, to come together as one economy, putting your money where your values are, preserving freedom and independence for your kids and grandkids. 

Fast forward and that engine is now GloriFi – a pro-family, pro-freedom, pro-America, pro-capitalism engine that will help us take our country back via a state-of-the-art financial lifestyle app and insurance, banking, mortgage and credit card products and services.

In less than a year we’ve clearly outgrown the house where it all began.  But we still love our great dane mascot, Ivy – who remains convinced that her dad hired all these people just to play with her all day.  And we still look forward to ‘Toby Tuesday’ dinners, where we gather and whiteboard.

Like this country, GloriFi isn’t perfect.  But if we did all this in 9 months, you won’t believe what comes next. 

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SECURING YOUR BELONGINGS AND MORE

GloriFi gives you the peace of mind you need. Homeowners insurance can help you with:

  • Replacement of your belongings in the event of theft or disaster.
  • Temporary living expenses if your home is uninhabitable.
  • Liability coverage if someone is injured at your home.

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