Used Cars, New Cars, Car Finance, Buy Used Cars & New Cars for sale – EffectAuto.com

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.

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.

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 Effect Auto Sales Inc. chooses to share; and whether you can 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

For our marketing purposes-
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates to market to you- 
information about your transactions and experiences

For our affiliates’ everyday business purposes-
information about your creditworthiness

For our nonaffiliates to market to you

Email us at: sales@effectauto.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.

Call 908-351-5888

Who is providing this notice?

This notice is being provided by Effect Auto Sales Inc. and our Partners.

How does Effect Auto Sales Inc. 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 Effect Auto Sales Inc. 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.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

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.