CONSUMER PRIVACY STATEMENT
WHERE WE GET INFORMATION ABOUT YOU
The information we get about you comes from different sources and may include:
Information you give to us on applications or other forms, which may include your name, address, drivers license number, employment history, income, telephone numbers, e-mail addresses and Social Security number.
Representations you make to us, such as your employment history, account balances, payment histories and your relationships with other persons or entities you have listed as references.
Information from your transactions with us, our affiliated companies or our business partners who may provide you other related services.
Information we receive from consumer credit reporting agencies to confirm, verify or add to facts you provide us on applications or other forms. Data collected by such a reporting agency may be kept by them and later shared with others who are entitled to use these reports. That personal information gathered by consumer credit reporting agencies will be provided to others only as allowed by federal and state Fair Credit reporting laws.
Information we receive from your insurance agent or broker to confirm the presence of applicable insurance coverages required under an installment payment agreement.
OUR DEALERSHIP DOES NOT SELL OR RENT INFORMATION ABOUT YOU TO OTHERS.
In order to conduct our business and offer you the products and/or services that you may want, we may share your information within our company or affiliated companies (companies related by common ownership). The law allows us to share your financial information solely for the purpose of providing you the products and services you seek from this dealership. The law allows us to share your financial information with our affiliates or third parties outside of our dealership in order to service, market or underwrite our products and services to you. We may also share your information with financial institutions we have entered into a written contract with in order to provide you with financial products. We do not disclose your information to anyone else unless allowed or required by law. You cannot prevent these disclosures. You can limit our sharing of your personal information with affiliated and non-affiliated third parties to market their products to you. By signing this form, you are authorizing this dealership to share your nonpublic personal information with affiliated and/or non affiliated third parties that may have products or services that may be of value to you. You may refuse to allow us to share information with affiliated and non-affiliated and non-affiliated organization in order to market products and services other than ours; however, in doing so, you may not receive offer for other products and services that may be of value to you. If it is your intent to issue such a refusal (also known as an opt-out).
HOW WE PROTECT ANY NON-PUBLIC PERSONAL INFORMATION WE COLLECT ABOUT YOU.
We maintain physical, administrative, procedural and technical safeguards to protect this personal information from unauthorized access.
Access to your personal information is limited only to those who have a business need to do so. We also expect our vendors, affiliated companies, third parties, insurance agents and others to maintain a high regard for privacy and to safeguard all customer information.
In the event the security of your information is breached, we will notify you once the breach is brought to our attention.
We follow the laws of the state within which this dealership is domiciled when that law provided you more protection than federal law.
Authorization to share information with both affiliated and non-affiliated organizations:
I acknowledge that I have reviewed and accepted the terms and conditions set forth in this privacy statement.
CREDIT APPLICATION - Agreement
You understand and agree that you are applying for credit by providing the information to complete and submit this credit application. We may keep this application and any other application submitted to us and information about you whether or not the application is approved. You certify that the information on the application and in any other application submitted to us, is true and complete. You understand that false statements may subject you to criminal penalties.
The words "you", "your" and "yours" mean each person submitting this application. The words "we", "us", "our" and "ours" as used below refer to us, the dealer, and to the financial institution(s) selected to receive your application.
You authorize us to submit this application and any other application submitted in connection with the proposed transaction to the financial institutions disclosed to you by us the dealers; in addition, in accordance with the Fair Credit Reporting Act, you authorize that such financial institutions may submit your applications to other financial institutions for the purpose of fulfilling your request to apply for credit. This application will be reviewed by such financial institutions on behalf of themselves and us the dealer.
You agree that we may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit bureaus) in connection with the proposed transaction and any update, renewal, refinancing, modification or extension of that transaction. You also agree that we or any affiliate of ours may obtain one or more consumer credit reports on you at any time whatsoever. If you ask, you will be told whether a credit report was requested, and if so, the name and address of any credit bureau from which we or our affiliate obtained your credit report.
You agree that we may verify your employment, pay, assets and debts, and that anyone receiving a copy of this is authorized to provide us with such information. You further authorize us to gather whatever credit and employment history we consider necessary and appropriate in evaluating this application and any other applications submitted in connection with the proposed transaction. You understand that we will rely on the information in this credit application in making our decision. We may monitor and record telephone calls regarding your account for quality assurance, compliance, training, or similar purposes.
You consent to receive autodialed, prerecorded and artificial voice calls and text messages for servicing and collection purposes from us at the telephone number(s) provided in this credit application, including any cell phone numbers. The consent applies to the dealer, who is the originating creditor in this transaction, as well as any assignee who may purchase your credit contract. You agree that this consent applies regardless of whether you agree to receive telemarketing/sales calls and text messages as provided below.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver's license or other identifying documents.
California Residents: An applicant, if married, may apply for a separate account.
Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.
New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.
Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.
Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.
Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat § 766.59 or any court decree under § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for individual credit.