Financial Privacy Policy

F A C T S

WHAT DO J.D. BYRIDER (“BYRIDER”) AND CAR NOW ACCEPTANCE 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	Mail the form provided with this notice Visit us online: http://cnac.com/OptOut 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.