 |
|
|
PrivacyAN IMPORTANT MESSAGE CONCERNING YOUR PRIVACYAt AmeriCredit’s family of companies, we value our customers’ trust and confidence. This statement outlines the safeguards we employ to protect your personal information, and it explains how we collect and use that information. It also describes the instances when we may share information with other parties and affiliates and when and how you can “opt-out” of sharing certain information. We recognize the importance of trust, and we greatly appreciate your business. Please read the following privacy policy carefully. OUR PRIVACY POLICYThis disclosure is our privacy policy. Your understanding of our information sharing practices is important to us. In this statement, we will tell you (among other things):
In this statement, “we”, “our” and “us” mean all institutions in the AmeriCredit family of companies, including AmeriCredit Financial Services, Inc., Bay View Acceptance Corporation, Long Beach Acceptance Corp., AmeriCredit Consumer Loan Company, Inc., AmeriCredit Consumer Discount Company, ACAR Leasing Ltd., and ALC Leasing Ltd. We are a company specializing in automobile finance with offices throughout the United States. This policy applies to our consumer customers who have continuing relationships with us. You have a continuing relationship with us if, for example, you have a:
FOR TEXAS RESIDENTS: We are licensed and examined under the laws of the State of Texas and by state law are subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against us should contact the Office of Consumer Credit Commissioner through one of the means indicated below:
1. INFORMATION WE COLLECTWe collect information about you from a variety of sources, including the following:
2. INFORMATION WE MAY SHARE WITH NONAFFILIATESUnless otherwise prohibited by law, we may disclose all of the information that we collect, as described in Section 1, to nonaffiliates. We disclose information about you to nonaffiliates so we can provide you with information about additional products and services we do not offer directly but in which we think you would be interested. You may tell us not to share your information for this purpose. We will explain how you do this and the effect it has later in this privacy policy.Types of NonaffiliatesWe may disclose the information listed above about you to the following types of nonaffiliates:
3. INFORMATION WE MAY SHARE WITH OUTSIDE MARKETING SERVICERSUnless otherwise prohibited by law, we may disclose all of the information that we collect, as described in Section 1, to companies who perform marketing services on our behalf. We disclose information about you to Outside Marketing Servicers (defined below) so we can provide you with information about additional products and services we offer. We disclose information only when we believe the offer or a service provided is important for you. Our agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose.Types of Businesses"Outside Marketing Servicers" are third parties who perform marketing on our behalf in order to provide you with our products and services. Types of businesses with whom we may disclose the information described in this section include:
4. SHARING WITH JOINT MARKETERSUnless otherwise prohibited by law, we may disclose all of the information that we collect, as described in Section 1, to Joint Marketers. At times we arrange programs with other financial service providers not affiliated with us to offer you the benefits of additional financial services. We disclose information only as we believe it is important for the offer or services provided. Our joint agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose.Types of Businesses"Joint Marketers" are third-party financial institutions with whom we have limited agreements to jointly offer a financial product or service to you.Types of financial institutions with whom we may disclose information under this section include:
5. INFORMATION WE MAY SHARE WITH AFFILIATESWe are legally permitted to share information about our transactions and experiences with you (“T&E Information”) with our Affiliates for purposes other than allowing our Affiliates to make solicitations to you, even if you tell us not to.We may share information about you from credit applications and consumer reports (“Eligibility information”) with our Affiliates for purposes other than allowing our Affiliates to make solicitations to you. You may tell us not to share your Eligibility Information for these purposes. We will explain how you do this and the effect it has later in this privacy policy. Types of AffiliatesWe may disclose information about you in the future to the following types of affiliates for purposes other than solicitation purposes:
FOR WEB ACCESS ONLYFrom time to time we may send you electronic communications without your request or authorization. You will have the opportunity to unsubscribe from these communications when you receive them. If you unsubscribe from specific electronic communications you are not "Opting-Out" as described above.In addition, there are "hyperlinks" or "links" to other Web sites embedded within our Web site. If you choose to click on one of these links, you will be governed by the privacy policy of the linked Web site, even if the content is framed within our Web site. CALIFORNIA, NORTH DAKOTA, AND VERMONT RESIDENTSExcept for information we are permitted by state or federal laws to share without your specific consent or notice, we do not share the information we collect about you.PROTECTING YOUR INFORMATIONEnsuring your information is secure is important to us. Therefore, access to your information is limited to those people who need access in order to perform their job. We maintain physical, procedural, and electronic safeguards that comply with federal regulations to protect your information.YOUR RIGHT TO OPT-OUT – INSTRUCTIONS AND EFFECTYou have the right to ask us not to share some of the information listed earlier. This is referred to as an opt-out. The sharing you can stop is (except as allowed by law):
If you wish to opt-out of disclosures, you must do so by:
If you have multiple accounts with us, to effectuate your opt-out for information collected on all accounts, you must provide all account numbers. An opt-out will remain in effect until you change it, or the law changes and we give you further notice of that change. Any previous opt-out you have exercised will now be applied to all the information you can now opt-out of. If you previously opted-out, you do not need to do so again. One opt-out will apply to all the types of information you can opt-out of under this notice. If you use our toll-free telephone number, it will help if you have the following information available to help us implement your opt-out request:
|
|
|
Resources For:
|