| Courtesy Inc. Privacy Policy The protection of your nonpublic personal information is important to our dealership. It is common for companies like ours to share your nonpublic personal information with affiliated third parties (a company this is related by common ownership or corporate control) and, in some cases, with nonaffiliated third parties. Because we recognize that keeping your nonpublic personal information private is important to you, we would like to take this opportunity to explain our Privacy Policy. Our privacy policy applies to those persons who obtain from us financial products or services to be used for personal purposes. We are not required to make these disclosures to companies or individuals who obtain financial products or services for business, commercial or agricultural purposes. While we are not required to maintain privacy policies with respect to our business, commercial or agricultural customers, they are also very important to us and we take steps to protect their nonpublic personal information, as well. Our goal is to respond to your inquiries, to provide better customer service, and to provide products, services and other promotional information we believe may help meet your needs or be of interest to you. The types of information we may collect and disclose about you We may disclose to affiliated and nonaffiliated third parties your nonpublic information collected from, but not limited to the following sources: · Information we receive from you on applications or other forms, such as your name, address, telephone numbers, e-mail address, birth date, social security number, income and employment history. · Information about your transactions with us, our affiliated third parties, or others, such as your account balance, payment history, and your credit worthiness. · Information we receive from your consumer credit reports or a consumer reporting agency, such as your credit worthiness, credit score or credit history. · Representations made by you to us, such as your employment history, your account balances and payment histories, and your relationships with other persons or entities that you have listed as a reference. · Information that we collect or that you provide to us when you visit our website, such as your name, address, telephone numbers and e-mail addresses, email messages, and information collected from cookies* utilized in connection with our website. *A cookie is an online device used to determine when a visit to the site has occurred and to track activity within the site. A cookie does not identify you by name or address unless you have provided the information or set up your computer to do so. Cookies are used to determine traffic patterns and usage and to provide you with more customized service by identifying you as a user, which may prevent you from having to enter information repeatedly. Cookies are often used online and do not harm your computer. You have the option of programming your computer to prevent a cookie from being accepted. The types of third parties to which we may disclose information We may disclose your nonpublic personal information to the following types of affiliated and nonaffiliated third parties. · Financial service providers, such as motor vehicle lenders or lessors, mortgage brokers, insurance agents, and providers of the after-market products such as Guaranteed Automotive Protection (GAP) products and service contracts (depending upon how your state regulates the sale of these products). · Non-financial service providers, such as retailers, manufacturers, providers of after-market products such as Guaranteed Automotive Protection (GAP) products, warranties, and service contracts (depending upon how your state regulates the sale of these products), magazine publishers, and direct marketers. · Others, such as, trade associations and nonprofit organizations. The categories of third parties to which we may disclose information about you We may also disclose all of the nonpublic personal information that we collect about you, as described (above) to third parties that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements, such as, “third parties who manufacture or supply our goods and services, advertising or market our products and services, make customer satisfaction inquiries on our behalf, or provide internet related marketing services”. We are permitted by law to disclose information about you to third parties that perform marketing services on our behalf and/or to other financial institutions with which we have joint marketing agreements. We are not required to give you the opportunity to opt out of such disclosures. How we protect the nonpublic personal information we collect about you We take our responsibility to protect your nonpublic personal information very seriously. Whenever we collect information about you, we restrict access to your nonpublic personal information to our employees and those third parties who need the information to respond to your inquiries, to provide better customer service, and to provide products, services and other promotional information we believe may help meet your needs or be of interest to you. We explain the importance of protecting your nonpublic personal information to our employees and take appropriate measures to enforce employee responsibilities regarding our Privacy Policy. We also maintain physical, electronic and procedural safeguards to protect the confidentiality and security of the information we collect. We require any third party who receives information about you from us to agree to keep that information confidential and to use the information only for the purposes for which it was disclosed. If you prefer that we not disclose your nonpublic personal information to the types of affiliated third parties, nonaffiliated third parties, or affiliated and nonaffiliated third parties described in this Privacy Policy, and you have not completed an Opt Out Form provided by us, then you may direct us not to make those disclosures as follows: To opt out in person: You may complete the attached Opt Out Form and deliver it to Sarah Whitaker or your Salesperson. To opt out by mail: You may complete the attached Opt Out Form and return it by mail to: Courtesy Inc, Attn: Sarah Whitaker, PO Box 446, Irwin, PA 15642. To opt out by phone: You may contact Sarah Whitaker at (724)863-0600. You may also have additional privacy rights under state law. Please remember, however, that even if you decide to opt out of having your nonpublic personal information disclosed to certain third parties, we may disclose public information as permitted by law. If you are opting out for the first time, it may take up to 6 weeks to process your request. Your decision to opt out will apply to all financial products and services you obtain from us. We appreciate your business and the opportunity to assist you in understanding our Privacy Policy. We hope that you have found this information to be useful and appreciate the opportunity to continue to serve you in the future. Please sign below to acknowledge that you have read and received a copy of our Privacy Policy. I/we acknowledge that I/we have read the Privacy Policy given to me by Courtesy Inc. and that I understand the information that my be collected and shared. __________________________ (initial and date) OPT OUT FORM Many of our customers have found the products, services and other promotional information offered by us and the affiliated third parties, nonaffiliated third parties, or affiliated and nonaffiliated third parties described in this Privacy Policy helpful and informative. However, if you prefer that we not share your nonpublic personal information with these affiliated third parties, nonaffiliated third parties, or affiliated and nonaffiliated third parties, you may direct us not to do so by checking the appropriate box below. Note: If you opt out of having your nonpublic personal information disclosed to affiliated third parties, nonaffiliated third parties, or affiliated and nonaffiliated third parties, you may not receive special product and service offers which may be of assistance or interest to you. In addition, if you opt out of having your nonpublic personal information disclosed to third parties, we may still disclose the public personal information we collect about you to third parties as permitted by law. If you have obtained a product of service by means of a joint transaction with another person, each of you may make a separate opt out decision, but either person can opt out on behalf of the other. If you elect to opt out, information about the other person(s) may be disclosed unless an opt out decision has been made by them or by you on their behalf. Please do not disclose my/our public information to any affiliated third parties, other than as permitted by law.
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Jim Shorkey Kia
13230 Route 30 West,
Mail To: P.O. Box 446,
North Huntingdon,
PA
15642
Sales: (724) 871-7895
Finance: (724) 871-7895