PRIVACY NOTICE

(Per Gramm-Leach-Bliley Act and FTC Rule)

  This privacy notice is provided to our consumers and customers in connection with personal, family, or household transactions,  as required by the federal financial privacy law and any applicable state statutes.

Our Privacy Practices

We take seriously our responsibility to respect the privacy of consumers and our customers regarding nonpublic personal information, hereafter “private” information.  At our dealership, only employees who are involved in the processing of your transaction may have access to private information.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your privacy.  We also limit the disclosure of private information to third parties, as described below.

The Private Information We Collect

In connection with your transaction,  we collect private information about you from you and the credit application which you complete, such as your residence, job, salary history, social security number, and credit history.  We also obtain credit reports from consumer reporting companies.  We may also obtain private information from automobile manufacturers, financial institutions, or other non-affiliated companies with whom we do business regarding your current accounts with them or your prior business or financial relationship.

Disclosure of Private Information

We may disclose all of the private information described above which we collect about you, while you are a consumer, customer, or former customer, to companies with whom we are affiliated or as otherwise permitted by law.

We do not disclose private information to non-affiliated third parties, except as is permitted by law.  Such disclosures include but are not limited to disclosures necessary to effect, administer, or enforce a transaction which you have requested or authorized, or in connection with servicing or processing your transaction. 

As described above, disclosures may be made to certain affiliated or non-affiliated third parties, such as financial service providers, e.g., possible lenders on your transaction; non-financial companies, such as automobile manufacturers, service contract providers, and insurance companies; and others, such as collection agencies, repossession agencies or other entities needed to protect our interests.  We may also disclose any private information we collect about you to non-affiliated companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. For example, we may want to do a direct-mail letter to our customers advising them of special vehicle or service offers.  However, we will only do this if the company signs an agreement with us promising to keep your private information confidential in accordance with applicable law. 

No Opt Out

Since the only disclosures which we may make are permitted by law, you do not have the opportunity to opt-out of these disclosures.