Effective Date: February 17, 2020
1. What Types of Personal Information We Collect and How We Collect It
We may collect certain information about visitors to this Website indirectly through our Internet access logs. When you visit the System to read or download information, we may collect and store: (i) the name of the domain and host from which you access the Internet; (ii) the Internet protocol address of the host server you are using; (iii) the name and version of your web browser; (iv) the date and time you access our System; (v) if you came to us through a link from some other system, the Internet address of the system from which you linked to our System; and (vi) technical data about the device being used to access the System (such as operating system version, browser plug-ins installed, and fonts installed; no applications or other persistent code will be installed on your device as part of this process.)
For authentication purposes, we may collect responses to security questions, your account number, your Social Security number, and other information necessary to establish and use your system log in credentials. We also collect other information (which may be Personal Information) when you directly submit it to us. We may collect Personal Information about you from the following sources: (a) enrollment applications, applications for financing, survey responses, and other electronic or paper forms that you fill out in connection with the Site; (b) your use of the Site, and your interactions with customer service, including information you enter or speak, and information transmitted by your computer, cell phone, and other devices you use to connect to the Site; and (c) other entities, such as individuals and financial institutions using the Service, credit bureaus, affiliates, or other companies (such as identity verification services and consumer reporting agencies).
We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us and, as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission. We do not knowingly collect Personal Information from children under the age of 13 without parental or guardian consent. Please contact us via the Contact Information provided below if you believe we may have collected such information without parental or guardian consent or other than in a manner authorized by law, and we will work to delete it.
Disclosure to California residents: This Website does not collect unencrypted Personal Information about users’ online activities over time or across third-party websites or online services, nor permit other parties to collect Personal Information about an individual consumer’s online activities over time and across different websites when a consumer uses this Website. Therefore, this Website does not respond to web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding such information collection activities because they are irrelevant.
2. How We May Use Personal Information About You
We may use Personal Information and the other information described above in order to meet your needs, carry out your transactions, respond to your information requests, comply with laws, regulations, court orders and lawful instructions from a government agency or other competent authority, to protect the personal safety of users of our Services or the public, to defend ourselves from claims, to resolve disputes, to troubleshoot problems, to enforce the Terms, or to protect our rights and property. We may also use this information for general statistical modeling in order to measure the number of visitors to different pages on our System and to modify the System in order to make the System more helpful. We may also use this information to monitor network traffic and identify unauthorized access or unusual activity on the System. We use Personal Information about you only as permitted by law, including but not limited to our everyday business purposes, such as to maintain your ability to access the Site, to authenticate you when you log in, to send you information about the Site, to effect, administer, and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to determine your transaction limits, to perform collections, and to customize, measure, and improve the Service and the content and layout of the Site including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis, and for marketing purposes - to offer products and services to you, although you may opt out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages.
Data may be used as part of our security controls to uniquely identify the device, authenticate the user when accessing the System, and may be compared to and added to a database of similar information operated by a service provider in order to identify and block access to the System by devices previously associated with fraudulent activity (“Device Data”).
3. How We May Share Personal Information About You
Financial companies like PFS need to share consumers’ Personal Information to run their everyday business – to process transactions, maintain customer accounts, and report to credit bureaus.
Financial companies choose how they collect and share your Personal Information, but federal law gives consumers the right to choose to limit some, but not all, sharing. Our privacy notices describe your choices. Please be aware that you may not receive information regarding special programs offered from time to time if you limit our sharing of your Personal Information.
California Financial Privacy Notice: If you live in California, additional notice, if applicable, will be provided to you via mail.
We may share your Personal Information with parties who are contractually obligated to keep it confidential and use it only for the purposes approved by us. We may share certain information with service providers, which will compare and add the Device Data and fraud data to a database of similar device and fraud information in order to identify and block access to the Site by devices associated with fraudulent or abusive activity. We will not share with service providers any information that personally identifies the user of the device.
Identity and Location Verification: You authorize us to share your mobile subscriber details with a third party provider which will request your mobile carrier to use your mobile subscriber details for verifying your identity. Those details may include name, billing address, e-mail, and phone number.
4. Other Important Information
- California: Under California law, we will not share information we collect about you with non-affiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our affiliates to the extent required by California law.
- North Dakota: PFS will not disclose nonpublic personal information to any nonaffiliated third party, except as otherwise permitted by law.
- Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our affiliates, unless the law allows. We will not share information about your creditworthiness with our affiliates except with your consent, but we may share information about our transactions or experiences with you with our affiliates without your consent.
5. Protection for Former Users
7. Links to Other Websites
Our Website includes links to other websites we may not control and whose privacy practices may differ from ours. If you submit Personal Information to any of those sites, your information is governed by their privacy policies and statements. We encourage you to carefully read the privacy statement of any website you visit.
To protect your Personal Information from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers to whom we disclose your Personal Information to do the same. For Personal Information pertaining to consumers, those safeguards are designed to protect the security and confidentiality of the information, to protect against anticipated threats and hazards to security and integrity of the information, and to protect against unauthorized access to or use of the information that could result in substantial harm or inconvenience. In addition to security measures such as collecting Device Data, System registered users may be required to select and answer multiple security questions and may be required to enter additional information, including Personal Information, when registering for an account or when subsequently logging in to the System. All connections to our web server use SSL (secure socket layer) encryption to protect the transmission of information submitted to us. However, no data transmission is guaranteed as 100% secure.
9. How to Reach Us
Porsche Financial Services
One Porsche Drive
Atlanta, GA 30354