PRIVACY NOTICE
FACTS |
WHAT DOES SmartWay Auto Inc.
DO WITH YOUR PERSONAL INFORMATION? |
Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number |
and Income |
• Account balances |
and Payment History |
• Credit History |
and Credit Score |
|
How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons SmartWay Auto Inc. chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information |
Does SmartWay Auto Inc. share? |
Can you limit this sharing? |
For our everyday business purposes -
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
|
YES |
NO |
For our marketing purposes -
to offer our products and services to you
|
YES |
NO |
For joint marketing with other financial -
companies |
YES |
NO |
For our affiliates’ everyday business purposes -Information about your transactions and experiences |
YES |
YES |
For our affiliates’ everyday business purposes -Information about your creditworthiness |
YES |
YES |
For our affiliates to market you |
YES |
YES |
For non-affiliates to market you |
YES |
YES |
To limit our sharing |
• Call 517-548-5707 -our menu will prompt you through your choice(s) or
•
Visit us online www.smartwayautoinc.com
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing. |
Questions? |
Call 517-548-5707
or go to www.smartwayautoinc.com |
Who we are |
Who is providing
this notice?
|
|
What we do
|
How does Smartway
Auto Inc. protect
my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
|
How does Smartway
Auto Inc. collect
my personal information? |
We collect your personal information, for example when you:
• Apply for financing |
or Use your credit or debit card |
• Apply for a lease |
or Provide employment information |
• Give us your income information |
|
|
|
We also collect your personal information from others such as credti bureaus, affiliates or other companies. |
Why can’t I limit
all sharing? |
Federal law gives you the right to limit only:
• |
Sharing for affiliates’ everyday business purposes-information about your creditworthiness |
• |
Affiliates from using your information to market you |
• |
Sharing for non-affiliates to market to you |
|
|
State laws and individual companies may give you additional rights to limit sharing.
|
What happens when I limit sharing
for an account I hold jointly
with
someone? |
Your choice will apply to everyone on your account unless you tell us otherwise.
|
Definitions
|
Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
• |
Our affiliates include companies with a Champion Automotive Group name; non-financial companies such as Secure Agency |
|
Non-Affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
• |
Non-affiliates we share with can include Reynolds & Reynolds, Trans Union, Burns National LLC, LDS Investments, CIP legal, Chico's Repossession and Towing Service. |
|
Joint Marketing
|
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
• |
Our Joint marketing partners include Champion Chevrolet, Champion Chrysler Jeep Dodge, Cueter Dhrysler Jeep Dodge |
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“I was embarrassed to talk about my credit, and tired of being turned down for auto financing. The staff at SmartWay treated me with respect, taking the time to understand my situation. Now I have a dependable van to get my family around, thanks to the caring people at SmartWay!”
Susan, Lansing Michigan
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