CONSUMER PRIVACY STATEMENT

Our Dealership is serious about keeping your personal information private and secure. This notice of our privacy policy explains how we use and protect your information. This form constitutes a legal notification and once accepted by you, authorizes this dealership to use this information to assist you in acquiring the products and services you seek. PLEASE READ THIS AUTHORIZATION AND PRIVACY STATEMENT CAREFULLY BEFORE YOU ACCEPT.

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 offers 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) you should inform the Privacy Manager of PAY-Less Auto Sales.


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 breech 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.

HOW INFORMATION  CAN BE ACCESSED OR CORRECTED:

All of your personally identifiable information that is collected and maintained by us can be provided to you by making a request in writing.  This procedure is used to better safeguard the information and to maintain accuracy of such data.  Factual errors in your personally identifiable information can be corrected by sending a request that credibly shows the errors.  To protect privacy and security, reasonable steps are taken to verify the identity of the person making the request before we provide a copy of the information we have collected, and prior to making any corrections to such data.
 
Should there be other questions or concerns about our privacy policy, or to make a request to access and/or correct your personally identifiable information, please mail a letter to our corporate office with the following caption. ATT: Privacy Manager, PAY-Less Auto Sales, 905 East Johnson, Jonesboro, AR 72401

Children''s Privacy:

Protecting the privacy of minors is especially important.  For that reason, we never collect or maintain information from those we actually know are under 21, and no part of our website is structured to attract anyone under the age of 21.

Changes to our privacy policy:

Our Dealership may change this policy from time to time.  You should check back with us to make sure any changes are not objectionable.  This policy is effective from April 1st, 2010.