rakibtony

Hi everyone 

It would be any entity that is not under common ownership or a subsidiary of your organization. Your affiliates would be your holding company, sister companies, and subsidiaries. All others are non-affiliates. If you share customer information with non-affiliates for the purpose of those non-affiliates to market their products and services to your customers, you need this disclosure along with an opt-out opportunity for the customer. If you don't share this information with non-affiliates for marketing purposes, you need to say that and no opt-out is required. Sharing with non-affiliates for other purposes, such as related to government guarantees, etc., would not be for marketing purposes.