California Financial Privacy Policy

F A C T S WHAT DO J.D. BYRIDER (“BYRIDER”) AND CAR NOW ACCEPTvusANCE COMPANY (“CNAC”) 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
  • assets and payment history
  • credit history and credit scores
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 Byrider and CNAC choose to share; and whether you can limit this sharing.
Reasons we can share your personal information

Do Byrider and CNAC 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

Yes
For our affiliates’ everyday business purposes –

information about your transactions and experiences

Yes

No
For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We don’t share
For our affiliates to market to you

Yes

Yes
For nonaffiliates to market to you

No

We don’t share
To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information 45 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 toll-free # 888-240-3595

Who we are

Who is providing this notice?

J.D. Byrider (“Byrider”) and Car Now Acceptance Company (“CNAC”)

What we do

How do Byrider and CNAC 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 do Byrider and CNAC collect my personal information?

We collect your personal information, for example, when you

  • apply for financing or give us your income information
  • provide employment information or give us your contact information
  •  or pay us by check

We also collect your personal information from others, such as credit 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 to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  • Byrider and CNAC are affiliates. Our affiliates include companies with the Byrider and CNAC names.

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  • Byrider and CNAC do not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.

Other important information

California Residents:

(A) We will not allow our affiliates to use your personal information to market to you, if you instruct us not to do so. To limit this information sharing with affiliates, fill out and send back the mail-in form called “Important Privacy Choices for Consumers” provided with this notice or visit us online:  http://cnac.com/OptOut.

(B) We will not disclose nonpublic personal information about you to our joint marketing partners, if you instruct us not to do so. To limit sharing with joint marketing partners, fill out and send back the mail-in form called “Important Privacy Choices for Consumers” provided with this notice or visit us online: http://cnac.com/OptOut.

 

 

 

Important Privacy Choices for Consumers
(California Residents Only)

You have the right to control whether we share some of your personal information.
Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.

(_)        NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

(_)        NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

 

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Time Sensitive Reply

You may make your privacy choices at any time. Your choice marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with which we have contracts to provide products and services.

 

Name: ________________________________________________________________________

 

Account Number(s): ______________________________________________________________

 

Signature: _____________________________________________________________________

 

To exercise your choices, do the following:

(1)  Fill out, sign and send back this form to us using the envelope provided
(you may want to make a copy for your records).

(2)  Reply electronically by contacting us through the following Internet option:
http://cnac.com/OptOut.