By explaining our privacy policy to you we (the Dealership) 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 Financial Privacy Law and refers to our
policies and practices effective on and after July 1, 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 the Confidentiality and Security of Consumer Information.
We take seriously our responsibility to respect the
confidentiality and security of nonpublic personal information - called "Consumer
Information" in this notice. Our policy calls for safeguards to protect
Consumer Information from unauthorized access, alteration, and destruction.
For example, our policies authorize access to 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 (control) with. We also may maintain, as required by applicable
federal regulations, physical, electronics, and procedure safeguards to
guard your nonpublic personal information.
Who is Covered by the Privacy Policy & Revisions to the Policy.
Our privacy policy apples 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 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 the Dealership through the Internet may also be
covered by privacy policies that may be posted on the web sites they visit.
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.
The Information We Collect.
We collect and use information about you from various
sources. The amount and nature of the information collected and used carries
from transaction to transaction, but the information can include the information
described in the following five types:
1.) Information about 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 transaction
with you, or verifying representation 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
nonfinancial 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 operates 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 observe 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 disclose creditworthiness
information about you from credit reports.
Sharing Information for Legal, Business, and Joint Marketing Purposes.
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 or similar legal process, a fraud investigation, recording
motor vehicle registration and other documents in public records, and 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've 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 for us,
or functions on our behalf. These companies may include financial service
providers such as banks, finance companies, insurance companies and payment
processing companies, and nonfinancial 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 share any of the five types of Consumer
Information above with companies that work for us to provide marketing and
other services or 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 our policy to be contractually obligated to keep the information
that we provide to them confidential and to use that information only to provide
the services we've asked them to perform for you or us.
Thank you for reading this notice and learning about our privacy policy.