Our Commitment
This information is being provided to you by World Omni Financial Corp. (for itself and doing business as Southeast Toyota Finance). Our commitment is to provide you with vehicle financing and other quality financial products and services. We obtain and use information about you to do so. We appreciate and respect the trust you show in providing information to us. We value our relationship with you; therefore, explaining to you how we collect, use and protect customer information is important to us.
Why We Collect Customer Information
We collect customer information to identify you, confirm facts about you, help us assess requests for financial products and services, and deliver financial products and services to you.
Customer Information We Collect
We get customer information from a variety of sources, such as:
· Information that you, or others on your behalf, provide on applications and other forms, including identifying information such as name, address, telephone number, email address, social security number and credit-related information such as your assets, income, and liabilities.
· Information from your dealings and relationships with us, our related family of companies, motor vehicle dealers and others, such as vehicle and vehicle financing information, services provided to you, and how you perform on your outstanding credit obligations.
· Information from consumer reporting agencies such as credit history and creditworthiness.
· Information from outside sources like motor vehicle dealers, employers, marketing firms and other sources, such as employment status and demographic data.
Protecting Customer Information
Safeguarding customer information is important to us. We use systems, policies and procedures to maintain the accuracy of customer information and to protect it from loss, misuse, or alteration. Customer information is accessible by appropriate personnel who have a business need for the information. We provide training and communication programs to educate our personnel about the meaning and requirements of this privacy statement.
How We Use Customer Information
We use customer information to meet your requests for financial products and services, administer accounts, develop new financial products and services, and comply with legal requirements. We also use customer information to determine which products or services might be of interest to you. In striving to serve you, we sometimes share customer information with others so they may help us by providing services to us or by providing services on our behalf or jointly with us to you. We do not sell personal information about you to unrelated companies for their independent use. We do share information as permitted by law.
Sharing Information Within Our Family of Companies
We may share the information we collect about present and former customers within our family of companies. Our "family" is the group of companies related to us by common control or ownership and may include companies that become affiliates after this notice is provided to you. A partial list of affiliates in our family of companies includes Southeast Toyota Distributors, LLC, Jim Moran & Associates, Inc., CenterOne Financial Services LLC, CenterOne Debt Management Services LLC, DataScan Technologies LLC, DataScan Field Services LLC, Fidelity Warranty Services, Inc., J.M.I.C. Life Insurance Co. and Courtesy Insurance Company. We share information within this family as a normal part of conducting company business and offering products and services to customers. However, this sharing of information is limited. Shared information includes identifying information and information we get from our dealings with you and the relationship you have with us. We do not share customer credit information we collect from outside sources, such as credit reports, within our family of companies.
Sharing Information With Unrelated Companies
In order to provide you with the services you request and with other valuable financial products and services, we share customer information with unrelated companies–companies that are not members of our family of companies. This sharing allows us to service accounts; provide the services or products requested; report our experiences; protect our business against fraud and unauthorized transactions; and respond to governmental requests and regulatory requirements. We may also share information to offer financial products and services jointly with other financial service providers. We may share customer information about present and former customers with the following types of companies:
· Select financial service providers who participate in joint marketing programs with us, such as motor vehicle dealers providing vehicle financing and others who provide products or services on our behalf such as insurance agents or underwriting companies providing auto and other types of insurance.
· Financial service providers and non-financial companies who provide services for us or on our behalf, such as companies that prepare account invoices or statements, help us service accounts, promote and market our products, provide computer and systems support, and other services.
Unrelated companies receiving customer information from us enter agreements with us to protect the information they receive before information is provided. These agreements also limit the use of the information to providing services we request. We do not share customer information with other companies unless an agreement to protect customer information is in place, except as otherwise permitted by law.
Vermont and California Residents
We will not share any of the personal information that we collect about you without your express written consent, except as otherwise explained in this notice.
Texas Residents
We are licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, www.occc.state.tx.us.
Future Changes
This statement updates and replaces any previous statements you may have received from us about the collection, use and protection of customer information. We may change this privacy statement at any time and if we do, we will notify you, as required by law.
Your Choice to Limit Marketing
· By calling us toll free at 1-800-553-0159 you may limit our family of companies from marketing their products or services to you based on your personal information that we collect and share with them. This includes identifying information such as name, address, and telephone number, and information we get from our dealings with you and the relationship you have with us, such as your account history.
· Your choice to limit marketing offers from our family of companies will apply to your account with us until you tell us to change your choice.
· If this is a joint account, we will treat the choice made by one account holder as applying to all account holders on that account.
· Even if you make a choice to limit marketing offers from our family of companies, they may still market their products and services to you based on information they obtained through an existing relationship with you, or as otherwise provided by law.
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