DISCLOSURE OF PRIVACY POLICY AND PRACTICES

In order to ensure the safeguarding of private customer information by financial institutions, the federal government enacted the Financial Services Modernization Act in 1999. We are considered a financial institution under the Act and provides this Notice to you as required by the Act. The purpose of this Notice is to explain what information about you the company wishes to receive from you and other parties, explain how and with whom the company may share this information and provide and option to you to exclude the sharing of certain information by the company under certain circumstances.

In order to facilitate your request of the company to provide the financing for the purchase of a motor vehicle, the company may collect particular nonpublic personal information about you from the following sources: information we receive from you on applications or other forms; information about your transactions with the company, its affiliates, or others; and information we receive from a consumer reporting agency.

During our relationship, and in the normal course of business, the company may disclose the following kinds of nonpublic personal information about you to our affiliates and to non-affiliated third parties: information received from you on applications or other forms such as your name, address and vehicle information; information about your transactions with the company or its affiliates such as account balance and payment activity; and information from a consumer reporting agency such as your credit history.

The company may disclose nonpublic personal information about you to the following types of third parties: financial service providers such as banks, credit unions or other lenders; non-financial companies such as vehicle manufacturers, recovery agencies, consumer reporting agencies, governmental agencies and check guaranty providers; and businesses that perform marketing services on the company's behalf or other financial institutions with whom the company has a joint marketing agreement.

The company may also communicate other information collected about you among persons related by common ownership or affiliated by corporate control.

The company restricts access to all information collected about you, including nonpublic personal information about you, to those employees who need to know that information in order to provide products or services to you. The company maintains physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. If you prefer the company not disclose your nonpublic personal information to non-affiliated third parties, or any other information about you among persons related by common ownership or affiliated by corporate control other than disclosures permitted or required by law, you may exercise an "opt-out." That is, you may direct the company not to make those disclosures. If you wish to opt out of the disclosure of your nonpublic personal information to non-affiliated third parties, you may do so by contacting us by email through this website and exercising your opt out. If this is a joint account (more than one person signed the contract) and one person opts out, we will treat all parties to the contract as opting out.

Finally, under this Act, the company is required to notify you of its privacy policies and practices annually for as long as it maintains its customer relationship with you. In the event that our relationship becomes inactive, the company will continue to adhere to the policies and practices described in this Notice.


If you're a resident of California, Maine, Massachusetts, New York, Ohio, Rhode Island, Vermont, Washington, or Wisconsin, please scroll down to read the notice called for under the law of your state. By submitting this application, you represent that you've read the notice required under the law of your state.

CALIFORNIA RESIDENTS: A married applicant may apply for an individual account.

MAINE RESIDENTS: Consumer reports (credit reports) may be obtained in connection with this application.

If you request, the creditor will inform you: (1) whether or not consumer reports were obtained, and (2) if reports were obtained, the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports. You have the right to choose the agent and insurer for the insurance required by this transaction, but the insurer must be approved by the creditor.

MASSACHUSETTS RESIDENTS: Massachusetts law prohibits discrimination on the basis of marital status or sexual orientation.

NEW YORK RESIDENTS: A consumer credit report may be requested in connection with this application or in connection with updates, renewals, extensions or enforcement of any credit granted as a result of this application. Upon your request, the creditor will inform you whether or not a consumer credit report was requested, and if so, the name and address of the agency that furnished such report.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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: A consumer credit report may be requested in connection with this application.

VERMONT RESIDENTS: I authorize the creditor to obtain credit reports on an ongoing basis about me from credit reporting agencies in connection with this extension of credit transaction. The creditor may obtain credit reports about me on an ongoing basis in connection with this extension of credit transaction for any one or more of the following reasons: (1) reviewing the account; (2) increasing the credit line on the account; (3) taking collection action on the account; or, (4) any other legitimate purposes associated with the account.

WASHINGTON RESIDENTS: Please advise us if the creditor should investigate your credit references and/or credit history under another name.

MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral settlement agreement under Wis. Stat. §766.59, or a court decree under Wis. Stat. §766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision.