Privacy Policy

Welcome to the Garden State Credit Associates ("GSCA") Web Site, where we take your privacy seriously. This web page describes our policy regarding the collection and use of personal information from our members as well as the information we collect from non-member visitors. 

This privacy policy was last updated on January 25, 2013. GSCA may revise this privacy policy from time to time. The new provisions will be effective as soon as they are posted. Please check this page regularly to ensure that you are aware of any change.

Collection and Use of Personal Information for GSCA Members
We collect certain personally identifying information from you off-line when you become a member of GSCA such as your name and email address, and we may update and collect additional information during the annual membership renewal process. We refer to your personally-identifying information described in this policy collectively as "Your Information." We may use Your Information to evaluate membership candidates and to contact our members, to send you material about GSCA and its events, and other information we think may be of interest to our members. In addition, if you choose to pay your membership dues or make other purchases by using a credit card, we will collect your credit card number and type, billing address, expiration date, and other information necessary to process your credit card transaction. We do not, however, permanently store your credit card information.

We may disclose Your Information to third parties who help us provide products or services you have requested and only for that purpose, maintain the GSCA Web Site or as required by law, for example, we may use Your Information to process credit card transactions or maintain membership databases, etc. We may post your name and contact information as part of our on-line membership directory on the GSCA Web Site. This directory is password protected and will be accessible only by GSCA, GSCA members, and by GSCA's service provider solely for the purpose of mailing materials prepared by GSCA to GSCA members.

Other Types of Information Collected About GSCA Members
We may collect information by using a "cookie" – a text file that is placed on the hard drive of your computer. The cookie merely tells us when your computer has contacted our site and allows automatic access to the password-protected site.

Your Information that identifies you as an individual will not be disclosed to any third parties without your prior consent.

Information Collected From GSCA Members and Non-Members
There are other types of non-personally identifying information that we may collect when you visit our site, either as a member or as a non-member. For example, we may collect information regarding the type of browser you use and the pages you visit in order to gather information on site usage.

Security and Access
We strive to keep your personal information in a secure manner and safeguard it from unauthorized access. If you want to review, correct, or update your membership information, contact us at or call (973) 929-3500. We will use reasonable efforts to let you review your personal information in our files and, upon your instructions, to correct inaccuracies or delete incorrect information from our databases. If you do not want to be listed in the on-line membership directory or to receive other information from us, please notify us by email or telephone.

Event Registration Acceptance Terms
Our events may be filmed, photographed and recorded. By registering for and attending an event, you acknowledge that any images, photographs and recordings are the property of the Garden State Credit Associates ("GSCA"). You also authorize GSCA and its designees to use your image, likeness and voice in connection with any reproduction, distribution and broadcast (in any medium now known or later developed) of the event, including footage or recordings produced by third parties and licensed by GSCA, and you further authorize GSCA to use the same in its online and offline business communications and marketing.

The GSCA may use a registrant's contact information to provide the registrant with information about the organization, or to notify the registrant about similar events that may be of interest to them. We do not share any contact information with individuals outside of the GSCA.

Privacy Questions
If you have any questions, comments or concerns about GSCA's Privacy Policy or practices, please email us at 

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