Privacy Policy

Notice of Privacy Policy

By explaining our privacy policy to you we trust that this notice will allow you to better understand how we keep certain information private and secure while using it to serve you better. This notice is provided to you as required by the Federal Privacy Law and refers to our policies and practices effective on and after July 1st 2001.The notice explains the following:

• Protecting the confidentiality and security of consumer information
• Who is covered by the Privacy Policy; Revisions to the policy
• The types of information we have about you and where it comes from
• Sharing information with affiliated companies
• Sharing information for legal, business, and joint marketing purposes

PROTECTING CONFIDENTIALITY AND SECURITY OF CONSUMER INFORMATION

We take seriously our responsibility to respect the confidentiality and security of non-public personal information - called "Consumer Information" in this notice. Our policy calls for safeguards to protect consumer information only by those who need access to do their work. The same holds true for our affiliated companies, which are companies that, now or in the future, we own (or control), or are owned (or controlled) by, or are under common ownership (or control) with. We also may maintain, as required by applicable federal regulations, physical, electronic, and procedural safeguards to guard your nonpublic personal information.

WHO IS COVERED BY THE PRIVACY POLICY: REVISIONS TO THE POLICY

Our privacy policy applies to individuals (and their legal representatives) who are our consumers or customers in connection with financial services primarily for personal, family, or household purposes, such as leases installment purchases of vehicles, and insurance. It covers both current and former customers and treats them the same. This notice also describes the privacy policy of our affiliated companies, except as stated in separate notices they give you. Consumers who transact financial services business with us but who do not seek financial services from us are not covered by our privacy policy or this notice. We reserve the option of revising this notice and our privacy policy from time to time, but we will give you notice of the revised policy before disclosing consumer information about you other than as described in this notice.

Information We Collect

We collect and use information about you from various sources. The amount and nature of the information collected and used varies from transaction to transaction, but the information described in the following five types:

1. Information from you. Information you provide to us on applications, other forms, and by other means, such as your name, address, social security number, assets, income, and debt;
2. Information from our experience and our affiliated companies' experiences. Information about your transactions and account experience with us or our affiliated companies, such as parties to transactions, contract or lease balances, payment history, and communications and correspondence;
3. Information from the experience of other parties. Information from other outside sources regarding their employment, credit or other relationships, account experience, or transactions with you, or verifying representations made by you, such as your employment history, credit balances, or your property or liability insurance coverage.
4. Information from credit reports. Information supplied by consumer reporting agencies, such as information regarding your creditworthiness or credit history;
5. Other general information. Other general information we obtain about you (such as demographic information) that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other products or services.

SHARING INFORMATION WITH AFFILIATED COMPANIES

We may disclose to our affiliated companies all of the information we collect about you as described in each of the five categories above. Our affiliated companies can be financial service providers such as leasing companies, insurance companies and payment processing companies and non-financial companies such as automotive repair facilities and data processing companies. This sharing permits us to give you superior service, make a wider range of products available, and operate our business more effectively. We do not share information with nonaffiliated third parties, other than described below under "Sharing Information for Legal and Routine Business Reasons and for Joint Marketing". Where they apply, we reserve limits and restrictions set by law as to sharing certain kinds of information with our affiliates. For example, unless you authorize the sharing, we do not disclosure credit worthiness information about you from credit reports.

SHARING INFORMATION FOR LEGAL AND GENERAL BUSINESS REASONS AND FOR JOINT MARKETING.

We may disclose any of the above five types of consumer information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena of similar legal process, a fraud investigation, recording motor vehicle registration and other documents in public records, an audit or examination, or the sale of your account to another financial institution. We may also share any of the above five types of consumer information outside of our affiliated companies if we have your consent, such as when you're requested to be contacted by other companies we work with. We may also share all five types of consumer information above with companies that work for us, possibly including some of our own affiliated companies, to perform services or functions on our behalf. These companies may include financial service providers such as banks, finance companies, and non-financial companies such as automobile manufacturers and data processing companies, and other organizations, such as nonprofit organizations that might provide educational, training, or certification services to businesses such as ours. We may also share the five types of consumer information above with companies that work for us to provide marketing and other services of with financial institutions with whom we have joint marketing agreements, such as banks or financing divisions of motor vehicle manufacturers. These companies act on our behalf and, within the time required by law, will be required by law, will be required by our policy to be contractually obligated to keep the information that we provide to them confidential and to use the information that we provide to them confidential and to use the information only to provide the services we've asked them to perform for us.

In this privacy statement, we explain what we do with the data we obtain from and about you when you use our website. We recommend that you carefully read this statement, as it explains your rights and our obligations. In processing your data, we comply with the requirements of privacy legislation, including the California Consumer Protection Act (CCPA). That means, among other things, that:

• We clearly state the purposes for which we process personal data. We do this by means of this privacy statement;
• We aim to limit our collection of personal data to only the personal data required for legitimate purposes;
• We first request your explicit consent to process your personal data in cases requiring your consent;
• We take appropriate security measures to protect your personal data and also require this from parties that process personal data on our behalf;
• We respect your right to to access your personal data or have it corrected or deleted, at your request.

If you have any questions, or want to know exactly what data we keep of you, please contact us by telephone, mail, or email at the number or addresses listed at the end of this Privacy Statement.

Purpose and categories of data

Categories of personal information to be collected and the purpose for which the categories shall be used.

Contact may be initiated by you through phone, mail, email and/or webforms. Your contact information is provided to the dealers from whom you are requesting information. This happens when you use a contact form in which you supply your information, and click a button to finalize your information request.

The following categories of data may be collected

• A first and last name
• An email address
• A telephone number

Compiling and analyzing statistics for website improvement.

The following categories of data may be collected

• IP address
• Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer's interaction with an Internet Web site, application, or advertisement.

To be able to offer personalized products and services.

The following categories of data may be collected

• Geolocation data

Sharing with other parties

We do not share data with third parties. Information that you enter when requesting a dealer price or other question is sent to the requested dealer only.

We disclose personal information if we are required by law or by a court order, in response to a law enforcement agency, to the extent permitted under other provisions of law, to provide information, or for an investigation on a matter related to public safety.

How We Respond to Do Not Track Signals

Our website responds to and supports the Do Not Track (DNT) header request field. If you turn DNT on in your browser, those preferences are communicated to us in the HTTP request header, and we will not track your browsing behavior.

Cookies

Our website uses cookies. For more information about cookies, please refer to our Cookie Statement on our Do Not Sell My Personal Information webpage.

Security

We are committed to the security of personal data. We take appropriate security measures to limit abuse of and unauthorized access to personal data. This ensures that only the necessary persons have access to your data, that access to the data is protected, and that our security measures are regularly reviewed.

Third party websites

This privacy statement does not apply to your data when you visit third party websites that are connected by links on our website. We do not control the data collection policies of such third party websites and cannot guarantee that these third parties handle your personal data in a reliable or secure manner. We recommend that you read the privacy statements of these websites prior to making use of these websites.

Amendments to this privacy statement

We reserve the right to make amendments to this privacy statement. It is recommended that you consult this privacy statement regularly in order to be aware of any changes.

Accessing and modifying your data

If you have any questions, please contact us at the number or addresses listed at the end of this Privacy Statement. You have the following rights:

Right to know what personal information is being collected about you

• A consumer shall have the right to request that a business that collects personal information about the consumer disclose to the consumer the following:
  • The categories of personal information it has collected about that consumer.
  • The categories of sources from which the personal information is collected.
  • The business or commercial purpose for collecting or selling personal information.
  • The categories of third parties with whom the business shares personal information.
  • The specific pieces of personal information it has collected about that consumer.

The right to know whether personal information is sold or disclosed and to whom

• A consumer shall have the right to request that a business that sells the consumer's personal information, or that discloses it for a business purpose, disclose to that consumer:
  • The categories of personal information that the business collected about the consumer.
  • The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold.
  • The categories of personal information that the business disclosed about the consumer for a business purpose.

The Right to equal service and price, even if you exercise your privacy rights

We shall not discriminate against a consumer because the consumer exercised any of the consumer's privacy rights, including, but not limited to, by:

• Denying goods or services to the consumer.
• Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
• Providing a different level or quality of goods or services to the consumer, if the consumer exercises the consumer's privacy rights.
• Suggesting that the consumer will receive a different price or rate for goods or services or a different level or quality of goods or services. However, nothing prohibits us from charging a consumer a different price or rate, or from providing a different level or quality of goods or services to the consumer, if that difference is reasonably related to the value provided to the consumer by the consumer's data.

The right to delete any personal information

• A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.
• A business that receives a verifiable request from a consumer to delete the consumer's personal information pursuant to subdivision (a) of this section shall delete the consumer's personal information from its records and direct any service providers to delete the consumer's personal information from their records.
• A business or a service provider shall not be required to comply with a consumer's request to delete the consumer's personal information if it is necessary for the business or service provider to maintain the consumer's personal information in order to:
  • Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of a business's ongoing business relationship with the consumer, or otherwise perform a contract between the business and the consumer.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
  • Debug to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the businesses' deletion of the information is likely to render impossible or seriously impair the achievement of such research, if the consumer has provided informed consent.
  • To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer's relationship with the business.
  • Comply with a legal obligation.
  • Otherwise use the consumer's personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.

Selling and disclosure of personal data to third parties

We have not sold consumer's personal data in the preceding 12 months.

A list of the categories we have disclosed for a business purpose in the preceding 12 months:

• Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer's interaction with an Internet Web site, application, or advertisement.

Children

Our website is not designed to attract children and it is not our intent to collect personal data from children under the age of consent in their country of residence. We therefore request that children under the age of consent do not submit any personal data to us.

This privacy statement was last changed on September 25th, 2020 and last checked on September 25th, 2020 and applies to citizens of the United States.