This privacy notice applies to all consumers who complete a (Bad Credit So What, Inc.) credit application (“Application”). It is designed to tell you how Goodtogocredit may collect and use Private Information (described in the next section) about you or your account. Our intent is to provide you with information about our privacy policy and practices, as we are required to do by law. This notice is not intended to be a contract.
A. HOW WE COLLECT PRIVATE INFORMATION: We collect Private Information about you from the following sources:
(1) Information we receive from you over the phone, on applications or other forms, such as your name, address, social security number and income.
(2) Information about your transactions with us, our affiliates or others, such as your account balance and payment history, and information that we obtain to verify employment history or that insurance coverage is in force.
(3) Information we receive from consumer reporting agencies, such as your credit history and creditworthiness.
B. HOW WE DISCLOSE PRIVATE INFORMATION: By submitting your Application to Goodtogocredit, you are directing us to disclose it and the Private Information it contains to the participating Goodtogocredit motor vehicle dealers (“Dealer”) in your area.
Additionally, we may disclose all Private Information (as described above) we collect to the following types of third parties:
(1) To Financial Service Providers: We may disclose all of your Private Information to financial service providers, such as banks, finance companies and insurance agents (other than financial service providers with which we maintain a joint marketing agreement and those with which we share your Application for the purpose of obtaining the credit you requested). You may tell us not to disclose your Private Information as described in this paragraph by following the Opt-Out Instructions provided in the box below.
(2) To Non-Financial Companies: We may disclose all of your Private Information to non-financial companies, such as motor vehicle dealers, retailers, warranty or service contract providers, direct marketers and publishers (other than non-financial companies that provide marketing services for us). You may tell us not to disclose your Private Information as described in this paragraph by following the Opt-Out Instructions in the box below.
(3) To Marketing Service Providers and Joint Marketing Partners: We may disclose all of your Private Information to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements. In the event we do this, we will enter into agreements with such companies requiring them to comply with federal privacy laws and regulations, and keep all personal information secure and confidential.
(4) With Other Non-Affiliated Third Parties: We may share all Private Information about you with non-affiliated third parties as permitted by law. For example, federal law permits us to share your Private Information as necessary with parties who provide services to us and other parties, including parties who perform computer maintenance for us, our auditors, attorneys, accountants, regulators, law enforcement, etc.
(5) Between Goodtogocredit and Among Any Future Affiliates of Goodtogocredit: In general, there are two categories of Private Information. One is information about your history of dealing with us, such as identification information, account history and balances, insurance coverage and payment history (which we refer to as “Transaction History”). The other is information received from other sources, including information typically found in a credit report, and information you provide us about your relationships with others (which we refer to as “Other Party Data”). We may share Other Party Data and Transaction History with each other and any future affiliates for the purpose of offering you additional products and services, other than those you request in your Application. You may tell us not to disclose Other Party Data about you with each other and our future affiliates for this purpose by following the Opt-Out Instructions in the box at the bottom of this notice. However, we are permitted by law to share your Transaction History with each other and our affiliates, and may offer you additional products and services from time to time based on that information.
C. HOW WE PROTECT PRIVATE INFORMATION: We restrict access to Private Information about you to our employees and third parties who need to know that information in order to provide you with the products and services you request and those persons or entities with whom we are permitted by law to share your Private Information. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect your Private Information.
YOUR RIGHT TO TELL US NOT TO DISCLOSE YOUR PRIVATE INFORMATION TO CERTAIN THIRD PARTIES
Non-Affiliated Third Party Disclosures: We reserve the right to disclose all Private Information (as described above) with the following types of third parties who are not our affiliates for marketing purposes:
Financial Service Providers: (Other than providers with which we maintain a joint marketing agreement and those with which we share your Application for the purpose of obtaining the credit you requested), such as banks, finance companies and insurance agents; and
Non-Financial Companies: (Other than companies that provide marketing services for us), such as motor vehicle dealers, retailers, warranty or service contract providers, direct marketers and publishers.
If you prefer that we not disclose your Private Information with these kinds of companies, you may "opt-out" of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures otherwise permitted by law). If your account is a joint account, any joint account holder may opt-out on his or her own behalf and on behalf of other joint account holders. See the Opt-Out Instructions section at the end of this box.
Affiliate Disclosures: We reserve the right to disclose all Other Party Data (as described above) with our affiliates for marketing purposes. If you prefer that we not disclose your Other Party Data for this purpose, you may "opt-out" of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures otherwise permitted by law). If your account is a joint account, any joint account holder may opt out on his/her own behalf and on behalf of other joint account holders. See the Opt-Out Instructions section at the end of this box.
Opt-Out Instructions: You may Opt-Out of the Non-Affiliated Third Party Disclosures and/or the Affiliate Disclosures described above by visiting our web site at AUTO@BADCREDITSOWHAT.COM and completing and submitting the applicable Opt-Out Form(s) provided there. You may also Opt-Out by calling our toll-free number at 1-888-355-0916 and following the voice prompt instructions. You have the right to Opt-Out at any time during the course of your customer relationship with us.
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Customer ACKNOWLEDGEMENT: I acknowledge that I have read the Privacy Notice.
