FACTS

What does Cars2Us do with your personal information?

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 payment history Credit history and employment information When you are no longer our customer, we continue to share your information as described in this notice.

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.

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 customer’s personal information; the reasons Cars2Us chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Cars2Us 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	No	No
For our affiliates to market to you information about your transactions and experiences	No	WE DON’T SHARE
For our affiliates’ everyday business purposes information about your creditworthiness	No	WE DON’T SHARE
For our nonaffiliates to market to you	No	WE DON’T SHARE

To limit our sharing	Email us at: Sales@CarsToUs.com 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 540.659.0457

Who We Are?
Who is providing this notice?	This notice is being provided by Cars2Us and our Partners.

What We Do?
How does Cars2Us 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 Cars2Us collect my personal information?	We collect your personal information, for example, when you Apply for financing Apply for a lease Provide employment history Give us your contact information Show your driver’s license 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include financial service providers (such as credit bureaus, manufacturer affiliated lenders, or other lenders), or they may be non-financial companies such as marketing companies or service providers.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners may include the manufacturer affiliated lenders or other lenders.

Other important information
For purposes of this Privacy Policy, “Partner” shall mean any person or entity with whom we enter into any kind of business transaction who is under an obligation to us to use reasonable care to keep personal information confidential, which may include our affiliates, nonaffiliates, and those with whom we joint market.

DATE LAST MODIFIED: April 25, 2012

PRIVACY POLICY

Collection of Private Information

We may collect the following kinds of Private Information about you from the following sources:

• Information you provide on applications, forms, or other correspondence, such as your name, address, social security number and income.
• Information about your transactions with us or others, such as your account balance and payment history.
• Information we receive from consumer reporting agencies, credit references, employers, insurance companies and insurance agencies, such as your credit history and creditworthiness, and information that we obtain to verify employment history or that insurance coverage is in force.

Disclosure of Private Information

We may disclose some or all of the Private Information (described above) under the following circumstances:

• To Marketing Service Providers and Joint Marketing Partners. We may disclose Private Information to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements.
• We do not sell or rent your personal information to third parties.
• We won't get in touch with you for any other purpose other than to provide information on our products and services. You can opt-out of our SMS services by Replying STOP at any time

Protection of Information

We restrict access to your Private Information to our employees who need to know that information to provide products or services to you and to perform their job duties, and to other persons necessary to assist us in providing you with products or services. Additionally, we maintain physical, electronic, and procedural safeguards to protect your Private Information in a manner consistent with industry standards for similar companies, and in compliance with applicable laws.