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 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, family or household purposes. 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. This Privacy Policy explains:

• The types of information we may collect about you
• The types of information we may disclose to third parties
• The types of third parties to whom we may disclose information
• How we protect the nonpublic personal information we collect about you

We may collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, telephone numbers, e-mail addresses, birth date, social security number, income and employment history.
• Information about your transactions with us, or others, such as your account balance, payment history, and your creditworthiness.
• 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 whom you have listed as a reference.
• Information we collect or that you provide to us when you visit our website, such as your name, address, telephone numbers, e-mail addresses.

We do not utilize “cookies” 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 your activity within the site. 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. Your visit to our website is completely anonymous, unless you choose to identify yourself by transmitting an inquiry or information to us.

We may disclose the following information to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements, such as third parties who manufacture or supply our goods and services, advertise or market our products and services, make customer satisfaction inquiries on our behalf, or provide internet related marketing services:

• Information we receive from you on applications or other forms, such as your name, address, telephone numbers, e-mail addresses, birth date, and social security number.
• Information about your transactions with us, or others, such as whether you bought or leased a vehicle.
• Information about your lease or purchase that is requested by the manufacturer for warranty and marketing purposes.

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 whom we have joint marketing agreements. We are not required to give you the opportunity to opt out of such disclosures.

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.

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.

What does Cutter do with your personal information?
Why?
Financial companies choose how they chafe 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.
What?
They 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.

How?
All financial companies need to share customers’ personal information to run their everyday business. In this section below we list the reasons financial companies can share their customers’ personal information; the reasons Cutter chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
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. Does Cutter share? Yes. Can you limit this sharing? No.

For our marketing purposes– to offer our products and services to you. Does Cutter share? Yes. Can you limit this sharing? No.

For joint marketing with other financial companies Does Cutter share? Yes. Can you limit this sharing? No.

For our affiliates’ everyday business purposes– Information about your transactions and experiences. Does Cutter share? Yes. Can you limit this sharing? No.

For our affiliates’ everyday business purposes– Information about your creditworthiness. Does Cutter share? No. Can you limit this sharing? We don’t share.

For our affiliates to market to you Does Cutter share? No. Can you limit this sharing? We don’t share.

For non-affiliates to market you you Does Cutter share? No. Can you limit this sharing? We don’t share.

Questions? Call 808-564-9900

Who We Are
Who is providing this notice? Cutter Automotive Galleries.
What We Do
How does Cutter Automotive Galleries 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 Cutter Automotive Galleries collect my personal information? We collect your personal information, for example, when you

• apply for financing
• give us your income information or provide employment information
• provide account information or give us your contact information

We also collect your personal information form 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 credit worthiness
• affiliates from using your information to market to you
• sharing for nonaffiliated to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions

Affiliate: Companies related by common ownership or control. They can be financial and non financial companies.

• Our affiliates include companies with a Cutter name and financial companies such as dealerships.

Non-affiliates: Companies not related by common ownership or control. They can financial and non financial companies.

• Cutter does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include finance companies.