Privacy Policy

Of course, you are not required to supply any of the personal information that we request. However, your failure to do so may result in our being unable to open or maintain an Account or to provide Products to you. You agree to promptly notify us if there are any changes to your personal information by updating your online account in the following manner:

In addition to the above, we may use data that we collect on an aggregate or anonymous basis for various business purposes, where permissible under applicable laws and regulations.

We also may use or combine information that we collect offline or that we receive from third-party sources for many reasons, including to enhance, expand and check the accuracy of our records. Additionally, data collected from a particular browser, device or application may be used with or to recognize you on another browser, device or application linked to you.

We provide you with certain communication choices relating to certain types of communications and information sharing. See the Do Not Call Policy below for more details on your telemarketing options. You may also receive a privacy notice in connection with certain Products that you receive from us describing certain communication choices associated with that Product. You can exercise your communications choices by following any instructions contained in our privacy notices or marketing materials, or:

If your relationship with us ends, we will continue to treat your personal information, to the extent we retain it, as described in this Online Privacy Policy or as set forth in the privacy notice for the applicable Product.

4. Disclosures of Your Personal Information within Goldman Sachs

In order to provide efficient and reliable Products and to improve product and service options available to you, more than one entity within Goldman Sachs may be given, or given access to, your personal information. For example, one Goldman Sachs entity might share your information with another in order to facilitate your transactions, assist in the Account application process, for the maintenance of your accounts or for other purposes permissible under applicable law. When we share your personal information in this way, we adhere to all applicable legal requirements regarding the sharing and protection of personal information. The privacy notice for an applicable Product may have information about your rights and choices regarding sharing your personal information within Goldman Sachs. Additional information on how your personal information is protected while within Goldman Sachs is provided below, under Information Security: How We Protect Your Privacy.

5. Disclosures of Your Personal Information to Third Parties

We only share your personally identifiable information with third parties as described below. In addition, we may share information that does not specifically and personally identify you, such as aggregated information, device identifiers or other unique identifiers to third parties.  

We will not sell information that personally identifies you to any third party for their own marketing purposes.

Third-Party Service Providers

We may share your personal information with non-affiliated companies that perform support services for us or in connection with any Product that you apply for or may receive from us (“Third-Party Service Providers”). Third-Party Service Providers that assist us are required to protect any non-public personally identifiable information that they receive from us and to use that information only for the purposes that we instructor for other business purposes as permitted by law.

Law Enforcement, Legal Process and Emergency Situations

Your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations. Examples include responding to a subpoena or similar legal process, protecting against fraud and cooperating with law enforcement or regulatory authorities. We may also disclose your information if we believe it is necessary or appropriate to protect our rights, property or safety or the rights, property or safety of our employees, customers or others, or to enforce our contractual rights.

Sale, Assignment or Change of Control

In the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of our assets or liabilities, some of the personal information that we hold may be among the assets or liabilities transferred to a buyer or other successor. We may transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or liabilities or any line of business, change in ownership control or financing transaction.  

6. Cookies and Other Tracking Technologies

Like many websites, we use tracking technologies such as cookies, web beacons and similar technologies. We may also use these technologies to, when applicable, record your preferences, track your use of the Site across multiple devices, measure exposure to our online advertisements, monitor traffic, analyze use of the Site, for security purposes, to display information more effectively, to personalize a user’s experience, and to improve the Site and make the Site easier to use.

You have choices to limit some tracking mechanisms that collect information when you use the Site. Many web browsers automatically accept cookies, but you can usually modify your browser’s setting to decline cookies if you prefer. If you choose to decline cookies, certain features of the Site may not function properly or may not remain accessible to you. In addition, you may also render some web beacons unusable by rejecting or removing their associated cookies. Note that, if you choose to remove cookies, you may remove opt-out cookies that affect your advertising preferences.

For more information about your choices, see Interest-Based Advertising below.

Cookies

Cookies are small text files that may be placed on your device when you visit the Site or when you view advertisements that we have placed on other websites. Cookies allow your browser to remember some specific information which the web server can later retrieve and use.  When you quit your browser, some cookies are stored in your computer’s memory, while some expire or disappear.

Tags, Pixels, Web Beacons, Clear GIFs

A web beacon, also known as an Internet tag, pixel tag or clear GIF, is typically a one-pixel, transparent image located on a webpage or in an email.  These may be used when you are served with advertisements, when you interact with advertisements outside of our online services or when you interact with our communications.  They are generally used to transmit information back to a web server.  

Interest-Based Advertising

Interest-based advertising refers to collecting information about your online activities over time and across different websites, devices, and other online services to deliver advertisements to users of that device based on their web-viewing behavior. We use interest-based advertising to deliver advertisements and other targeted content to you. To facilitate interest-based advertising, we partner with third-party advertising companies who also use these tracking tools to provide advertisements on the Site or other websites. These third parties may use these technologies to collect information about you when you use the Site and your other online activities. They may collect information about your online activities over time and across different websites and other online services. They may also use persistent identifiers to track your Internet usage across other websites and devices in their networks beyond the Site. They may use this information to provide you with interest-based advertising or other targeted content.

We, and many of the third-party advertisers that place tracking tools on the Site, are members of the Interactive Advertising Bureau’s Self-Regulatory Program for Online Behavioral Advertising.  Some of our ads that are displayed on third-party websites will feature an Ad-Choices icon inside the ad.  Clicking on the AdChoices icon inside the ad will provide you with an opportunity to opt out of interest-based advertising by the third parties that participate in the program. In addition, you can learn more about the options available to limit these third parties’ collection and use of your information by visiting our opt-out page and the websites for the Network Advertising Initiative and the Digital Advertising Alliance, as well as the webpages for Facebook’s ad preferences tool and privacy policy.

If you choose to opt-out, a cookie will be placed on your browser or device indicating your decision. This cookie is specific to a particular device and browser, so if you use different browsers or devices, you will need to opt-out on each. In addition, because the opt-out is facilitated via cookies, if you clear your cookies you will need to opt-out again.

Additional Technology

We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), on the Site. Google Analytics uses cookies or other tracking technologies to help us analyze how users interact with and use the Site, compile reports on the Site’s activity and provide other services related to Site activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a return visitor and any referring website. The Site does not use Google Analytics to gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt out of tracking of analytics by Google, click https://www.google.com/policies/privacy/partners/. 

In addition to Google Analytics, we use the Google Maps API to help pre-fill in address information.  To learn more about Google’s privacy practices, click http://www.google.com/policies/privacy.

7. Information Security: How We Protect Your Privacy

We take the security of your personal information seriously. We seek to limit access to your personal information to authorized employees, agents, contractors or vendors. We also maintain physical, electronic and procedural safeguards designed to protect the information against loss, misuse, damage or modification and unauthorized access or disclosure while in our possession.

8. Other Important Information

You must be an individual of at least eighteen (18) years of age and reside in the United States or on a United States military base, or in a United States Territory in order to use the Site. If you do use the Site outside of the United States, you understand and consent to the transfer of your personal information to, and the collection, processing and storage of your personal information in, the United States and elsewhere. The laws in the United States and these countries regarding personal information may be different from the laws of your state or country.

9. Other Privacy Policies or Statements

This Online Privacy Policy provides a general statement of the ways in which we protect your personal information through the Site. We may, however, in connection with other specific Products, provide you with privacy notices, disclosures, policies or terms that supplement this Online Privacy Policy, such as the  Goldman Sachs Bank USA Privacy Notice. Please refer to that notice for additional information about our privacy practices and your rights and choices. To the extent that there is a conflict between this Online Privacy Policy and any privacy notice, disclosure, policies or terms relating to any Product, the privacy notice, disclosure, policies or terms relating to the Product will govern.

10. Do Not Track Signals

Your browser or device may include Do Not Track functionality. The Site is not built to respond to Do Not Track signals. That means that, even if your browser is set to “Do Not Track,” our information collection and disclosure practices (including the choices that we provide to customers) will continue to operate as described in this Online Privacy Policy. 

11. Reporting Security Vulnerabilities

We encourage security professionals to practice responsible disclosure and let us know right away if a vulnerability is discovered on a Marcus product or application. We will investigate all legitimate reports and follow up if more details are required. Goldman Sachs has engaged with HackerOne to manage all submissions. You can submit the vulnerability report at this link:  https://hackerone.com/goldmansachs

12. Do Not Call Policy

Goldman Sachs Bank USA (“GS Bank”) does not place marketing telephone calls to numbers appearing on a state or federal do not call list (unless permitted by applicable law) or to the number of a person who has requested not to receive telemarketing calls made by or on behalf of GS Bank. If you ask not to receive telemarketing calls from us, you will be placed on our internally-maintained do not call list and will not be called during any future telemarketing campaigns. Any request to be placed on our internally-maintained do not call list will be processed within a reasonable amount of time, not to exceed 30 days. GS Bank employees involved in GS Bank's telemarketing campaigns receive training on how to use our internally-maintained do not call list, and how to document, process and honor requests to be placed on our internally-maintained do not call list. It is our policy to honor a do not call request for five (5) years from the time the request is made. However, some states have do not call laws that require us to honor such a request for a longer period of time, and it is our policy to comply with those laws when applicable. Subject to applicable law, if you communicate with us by telephone, we may monitor or record the call. We reserve the right to revise this Do Not Call Policy.