| Notice
of Privacy Policy Of Online Auto Group, Inc (The "Dealership")
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.
This 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 Markeging
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 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 (or control) with.
We also may maintain, as required by applicable federal
regulations, physical, electronic, and procedureal
safeguards to guard your non-public 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 the Dealership through
the Internet may also be covered by privacy policies
that may be posted on the web sites they visit. Individuals
who transact 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 can include the information described
in the following five types:
- Information
from you.
Information you provide us on applications, other
forms, and by other means, such as your name,
address, social security number, assets, income,
and debt;
- Information
from our experience and our affiliated companies'
experiences. Information about your transactions
and account experience with us or our affiliated
companies, such as partics to transactions, contract
or lease balances, payment history, and communications
and correspondence;
- 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;
- Information
from credit reports. Information supplied
by consumer reporting agencies, such as information
regarding your creditworthiness or credit history;
- 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 and 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 affilated 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 broader 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 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
AND GENERAL BUSINESS REAONS 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 or 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'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 non-profit 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 the
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.
I
read and understand / Return to previous page
Document
furnished without express or implied warranty as to
content, fitness, or legal compliance. Under no circumstances
is this document intended as, nor should it be received
as, legal advice, regulatory compliance advice, or
a substitute for that advice. The number and variety
of unique information sharing situations is infinite.
With each variation there arises the possibility of
an entirely different privacy notice. |
