Rev. 01/01/2011

facts
what does PHD Auto Group 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 transaction history
  • credit history and payment history

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 PHD Auto Group (a financial company) chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does PHD Auto Group (a financial company) 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 No
For our affiliates' everyday business purposes –
information about your creditworthiness		 No We do not share
For our affiliates to market to you No We do not share
For our nonaffiliates to market to you No We do not share

To limit our sharing
  • Call (440) 836-4837 – our menu will prompt you through your choice(s) or
  • Visit us online
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 (440) 836-4837 or visit us online
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Who we are
Who is providing this notice? eLend Solutions on behalf of PHD Auto Group (a financial company).
What we do
How does PHD Auto Group (a financial company) 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 PHD Auto Group (a financial company) collect my personal information? We collect your personal information, for example, when you
  • open an account
  • apply for a loan
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.
Non affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
For additional information regarding privacy practices and your rights, please look for the Privacy Policy link on our website or contact us directly.
 
 
Date:  ______________________________ Applicant's Signature:  ______________________________________________