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?

SmartWay Auto Inc.
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



©2010 SmartWay Auto Inc