AFC Privacy Policy

Updated March 26, 2019

At Automotive Finance Corporation and its related companies, including AFC Cal, LLC and Automotive Finance Canada Inc. (collectively, “AFC”), our user’s privacy is one of our most important values. This Privacy Policy explains our practices for collecting and handling your information. We believe that our commitment to privacy should provide you with confidence that we will limit the collection and use of personal information to what is necessary to administer our business, provide you with the highest quality visit, and offer you information we think will be of interest.

AFC is committed to providing you with a positive experience during your visit to the website located at www.autofinance.com (or any successor to it) and any services, content or functionality available through or on the website and any AFC mobile applications (collectively, the “AFC Service”), while respecting and striving to protect your personal privacy.

By submitting personal information to AFC, by conducting business with AFC or by using AFC’s services, you agree to the terms of this Privacy Policy and expressly consent to the collection, processing, use and disclosure of your personal information for the purposes set out in this Privacy Policy.

Scope of Policy

The information provided in this Privacy Policy covers your interactions via the AFC Service including the features, applications, emails, content, downloads, products and services offered through the AFC Service. Certain portions of the AFC Service may only be accessible to registered users and such access may be subject to additional terms and conditions.

The AFC Service is intended for use by an adult general audience.  The AFC Service is not directed to children under the age of 13 and AFC does not knowingly solicit personal information from or market to children under the age of 13.  If we learn that anyone under the age of 13 has provided any personal information through the AFC Service, we will use commercially reasonable efforts to promptly delete it.

This Privacy Policy does not apply to other companies’ websites or services or links that you may access via the AFC Service. Information collected or received by these third parties is subject to third party privacy policies.  If you are located outside the United States, please note that personal information collected via the AFC Service may be transferred to the United States and other countries which might not provide an equivalent level of protection as the data protection laws in your own country.

Information Collection, Usage and Disclosure

Our web server tracks and collects general information about your visit to our website. We collect these statistics to determine the number of daily visitors to our website, the daily requests for particular files, the types of browsers our visitors use, the visitors’ domain names, and countries of origin. This data helps us to customize our website to facilitate the on-line experience through enhanced navigation or to suggest areas in which we may improve the structure and content of the site.  We may request and store the following types of specific information: your name, company name, street address, city, county, state, country, province, telephone numbers, e-mail addresses, mobile location information (if you have activated a mobile application with us and permitted your mobile device to transmit location data), and financial account information. Some of the information collected by AFC may be personal information. AFC mobile applications may also disclose certain permissions for certain device settings such as authentication, phonebook, contacts, microphone, camera, and other sensitive device data.  The information we collect is used to improve the content and quality of the AFC Service.

AFC uses information that is collected for the following general purposes:

  • to process your applications and related documents required to become a contracted dealer and to make a decision regarding the acceptance or rejection of your applications;
  • to verify the information that you provide to AFC;
  • to verify, evaluate and/or monitor your creditworthiness;
  • to assist with the collection of any amounts owing by you to AFC;
  • to contact you in response to any transactions, requests, complaints or comments you may have;
  • to contact you to provide you with information regarding AFC’s business;
  • to provide advertisements to you through our website, email messages, mobile applications or other methods of communication;
  • to administer surveys, contests or other promotional activities or events sponsored by us, our vendors or other third party service providers;
  • to help us to develop, evaluate and improve our sales and marketing strategies and techniques;
  • to operate and improve our website;
  • to provide third parties with information necessary to permit that third party to conduct business with AFC and/or effectively provide you with services;
  • to assist AFC and third parties in evaluating the vehicle floor planning industry; and
  • to respond to legal process and reasonable inquiries from regulatory and/or investigative authorities.

Information is not shared with or sold to others for commercial purposes, except to provide the products or services you’ve requested, when we have your permission, or under the following circumstances:

  • We may share personal and/or aggregated information that you have provided with other business divisions within the KAR Auction Services, Inc. group of companies.
  • It is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Terms of Service, or as otherwise required by law, regulation or governmental request.
  • We may share and/or transfer information if AFC is acquired by or merged with another company.
  • AFC may use agents and contractors in order to help operate the AFC Service. AFC shares credit information concerning dealers with its affiliated companies, third party auctions and certain service providers. We require agents and contractors that have access to AFC dealer information to protect this information in a manner consistent with this Privacy Policy, and prohibit them from using the information for any purpose other than to carry out the services they are performing for the AFC Service.

Cookies
A cookie is a small amount of data, which often includes an anonymous unique identifier, and is sent to your browser from a website computer and stored on your computer’s hard drive. Cookies are required to use the AFC Service. We use cookies to record current session information, but do not use permanent cookies.  We may, from time to time, use similar technologies, including web beacons, pixel tags, flash objects, location tracking and/or third party widgets for purposes of enhancing your web or mobile experience and/or for purposes of allowing you to share information on another platform, such as a social media platform.  Information typically sent by your web browser includes your IP address, your ISP provider, information about your operating system, information about your browser and information about your website(s) visit.

Aggregate Data and Tracking
From time to time, we may analyze browsing information and aggregate data for quality assurance, contextual advertising and other similar activities.  We do not collect, and it is not our current policy to allow third parties to collect “targeted” cookies (persistent identifiers tracking users over time across different sites and services) for marketing purposes.  In addition, we do not currently respond to “Do Not Track (DNT)” browser signals.

Security
AFC takes commercially reasonable technical, physical and administrative measures to protect the confidentiality, integrity and security of your personally identifiable information.  Of course, we cannot guarantee the security of your personally identifiable information on the Internet.  The password-protected areas of the AFC Service are secured by industry standard encryption. However, it is your responsibility to maintain the confidentiality of your password(s) and other user credentials.  You are also required to log-in to your AFC account after a certain period of time has elapsed to protect you against others accidentally accessing your account.

Ownership
The AFC Service and related content and materials are the property of AFC or its licensors, and are protected under applicable intellectual property and other laws, including under the appropriate jurisdictions’ copyright and trademark laws, and international conventions. Except as explicitly provided by AFC, you may not transmit, display, reproduce, distribute, modify, create derivative works from, or otherwise exploit the AFC Service. Automated means, such as but not limited to scrapers or spiders, may not be used to collect and/or index any information contained on our sites. You may not (a) reproduce, (b) store a significant portion, (c) distribute copies of, (d) frame content of, or (e) incorporate into another website, materials or intellectual property from our sites or services without the prior written consent of AFC.

Storage
All personally identifiable information you provide to AFC is secured on servers with restricted access. We reserve the right to use third party agents and service providers, who are bound by strict confidentiality guidelines, to perform storage and processing functions.  We will store your personal information for as long as there is a business need for it in accordance with applicable record retention policies and a range of legal and regulatory recordkeeping requirements.

Opt-Out and Changes
You have choices about how we use your personal information. AFC sends marketing emails to contracted AFC Dealers.  To unsubscribe from these marketing emails, simply follow the opt-out link in the email. You may also Opt Out from allowing us to share your personal information by sending a written request to the Marketing Department at our corporate address: 13085 Hamilton Crossing Blvd., Suite 300, Carmel, IN 46032.  AFC may periodically update this policy. Consequently, you should review the Policy periodically. We may also notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your AFC primary account holder account or by placing a prominent notice via the AFC Service. You should sign on to your account regularly for these and other important announcements.

Questions and Information
If you have any questions about this Privacy Policy or its implementation, if you would like to update personal information previously submitted to AFC or request to have outdated personal information removed, or withdraw consent to the use or disclosure of your personal information, you may contact us by sending an email to contactus@autofinance.com.