PAC Auto Finance Website Privacy Policy

Effective: July 2023

Prime Acceptance Corp. DBA PAC Auto Finance and its affiliates (collectively, “PAC,” “we,” “us,” or “our”) are committed to respecting the individual rights of consumers. This Privacy Policy describes PAC’s privacy and security practices regarding information it receives from and about you during your visit(s) to PAC websites. This information depends on how you use PAC’s websites. Please review this page to understand how your personal information is used and how we protect that information. Additional information for consumers can be found on PAC’s Privacy Notice.

Information PAC Obtains from You About You

PAC may collect the following information from you that you submit or provide to us through online services, telephone calls, emails, or other correspondence sent to us by you. PAC may also collect information that you provide when you apply for a loan, or from social media handles, content, or other data provided through third-party features or posted on social media pages. The types of personal information we may obtain directly from you include:

Identifiers, such as name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers, bank account number, credit card number, debit card number, or any other financial information;
Commercial Information, such as records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
Professional Information, such as current or past job history and income;
Demographics, such as age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, sexual orientation, veteran or military status, genetic information (including familial genetic information);
Records of your interactions, such as phone calls, text messages, emails, or other communications with our Customer Service and call center representatives, or any employee of PAC;
Internet or other electronic activities, as discussed in greater detail under “General Website Usage”;
Preferences, such as communication preferences (e.g., electronic communication versus receiving hard copies of documents).

Information We Obtain from Third-Party Sources About You

At times it may be necessary to obtain information about you from third-party sources, such as credit reporting agencies (e.g., Equifax, TransUnion, Experian), vehicle history services, state motor vehicle departments, and insurance companies. The categories of information we obtain from such third-party sources include identifiers, financial or insurance information, demographics, commercial information, online activities, geolocation data, professional and education information, and preferences.

General Website Usage

You can visit our website to read product, investment, and company information or use our online tools without revealing any personal information. The only information we may collect and store during general website usage is your Internet service provider, the website you last visited, the pages you requested and the date and time of those requests, and the number of visits you made to our website. We may use this information to measure website activity and improve the customer experience on our website. For example, we may use information such as your Internet Protocol address, browser type, and display/screen settings to aggregate the data to help improve your future experience with our website. In accordance with our Privacy Notice, this information may be shared with third parties to provide related services or to analyze, store, or aggregate the information. It may also be shared with other third parties working with us to improve our services and/or website.

Third-Party Use of Cookies and Other Tracking Technologies

Some website content is served by third parties. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

For example, Google, Inc. (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and share information collected by Google Analytics about your visits to this website is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt out of Google’s use of cookies by visiting the Google advertising opt-out page at www.google.com/privacy_ads.html or the Google Analytics Opt out Browser Add-on at https://tools.google.com/dlpage/gaoptout/.

How the Collected Information Is Used

We may use information collected from you or third-party sources to:

Personalize and optimize your website browsing experiences by examining which parts of our website you visit;
Operate our websites, including debugging and product improvement;
Process and respond to your requests and inquiries in connection with our products and services;
Enter into and finalize our transactions with you for products and services;
Provide customer service and/or technical support;
Allow us to create, manage, and administer your account; and
Protect against, identify, and prevent criminal activities such as fraud.

Our Internet Services

To use our online services, such as logging into your account, we require certain personally identifying information (e.g., name, Social Security number, account number, and other applicable information) to verify that you are a PAC customer. We use this information to identify and access data in our existing relationship and provide you with the requested services. We commonly request email addresses as an alternate means of contacting you. Providing your email address is optional unless you request an Internet-delivered service, where it is necessary to have your email address to honor your request. We may also use this information to know you better and improve our services.

Emails Containing Personal Information

Internet users may send us personally identifying information via email containing information about your account. We will use this information to identify the user as a PAC customer, determine how to respond, better understand you and your customer needs, and improve our services.

Sharing Your Information

We are not in the business of selling your personal information. We may share information obtained about you with both affiliated and non-affiliated companies. This includes:

Sharing your payment and transaction history with non-affiliated third parties like credit reporting agencies;
Sharing information with any successor to all or part of our business, including the right to transfer information we have about you in the event we sell or transfer all or a portion of our business or assets;
Sharing information with non-affiliated third parties to complete a transaction you requested (for example, to complete a payment you are requesting to be made);
Sharing information with third parties that perform services on our behalf (for example, sending text, email, or mail messages to customers for us);
Sharing information with various government agencies (such as state motor vehicle departments and insurance or finance companies); and
Sharing information that may be required by government agency, law, or court order.

The types of information we may share with affiliated and non-affiliated third parties include identifiers, commercial information, online activities, professional information, records of your interaction, internet or other electronic activities, demographics, and preferences.

Security

We are committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, PAC restricts access to the information to our employees, agents, and contractors who need to know such information to provide products or services to you. In particular, we protect the confidentiality and security of social security numbers, limit access to such numbers to individuals who need access to that information, prohibit unauthorized disclosure of that information, and securely dispose of that information when no longer needed.

Do-Not-Track Signals

Your browser may offer you a “Do Not Track” or “DNT” option, which allows you to opt out of certain of your online activities over time and across different websites. Many websites and applications, including ours, do not support Do Not Track requests at this time because DNT signals are not yet uniform, which means that we may collect information about your online activity both while you are using our website and after you leave. For more information about DNT signals, please visit http://allaboutdnt.com. Other third-party websites may keep track of your browsing activities when they provide you with content, which enables them to customize what they present to you on their websites.

Personal Information on Children

Our products and services are intended for use by individuals who are at least 18 years old. If you are under the age of 18, you should not be visiting our website. We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using this website, you are advised not to disclose or provide any personal information on this website.

Questions?

Should you have any questions or comments about our privacy policy, you may contact us via email at customercare@pacautofinance.com.com or phone at 801-312-0709.

Changes

We are always improving. From time to time, we may update this policy to reflect any changes to our business or to the law that might affect this policy. We encourage you to visit this page frequently to see recent changes. A revised policy only applies to data collected after its effective date. Any revisions will be posted at least ten (10) days prior to its effective date.

Notice to California Residents

For California residents, PAC provides additional information in compliance with the California Consumer Privacy Act (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used herein.

Subject to certain exceptions, the CCPA provides California consumers with the rights to know what personal information businesses collect about them and why, to request deletion of that personal information, and to prohibit a business from selling that information. To restrict the sharing of personal and financial information with our affiliates and outside companies with which we do business, please submit a verifiable consumer request to us by following the instructions found on our Privacy Statement for California Residents.