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Terms and Conditions for Credit
Application Submission |
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BY CLICKING 'SUBMIT' YOU ARE CONSENTING TO US DISCLOSING YOUR
APPLICATION AND ALL OF YOUR NONPUBLIC PERSONAL INFORMATION THAT
WE COLLECT (AS DESCRIBED BELOW) TO THOSE PARTIES IDENTIFIED
BELOW, INCLUDING AFFILIATES OF OURS AND NON-AFFILIATED THIRD
PARTIES, SO THAT WE MAY FULFILL YOUR EXPRESS REQUEST TO TRY TO
PROVIDE YOU WITH A FINANCING OPPORTUNITY RELATED TO YOUR
PURCHASE OF AN AUTOMOBILE FROM OUR DEALERSHIP.
By clicking 'Submit', you submit and certify that all of the
statements in this application are true and made for the purpose
of obtaining credit. You authorize us to begin a credit
investigation, including obtaining your consumer credit report,
and to forward or allow direct electronic access to your
application to lenders, financial institutions, or other third
parties in order to process your application. We,
O’Meara Ford,
may obtain information about you as described in this notice,
which we handle as stated in this privacy policy notice. This
does not apply to information obtained in a non-financial
transaction. 1. We collect nonpublic personal information about
you from the following sources: Information we receive from you
on applications or other forms in connection with a financial
transaction; Information about your transactions with us, our
affiliates, or others; Information we receive from a consumer
reporting agency; and other Information we receive from outside
sources regarding your employment, residence, credit balances,
liability, and property insurance coverage. 2. We may disclose
all of the types of information that we collect, as described
above, to our affiliates, to automobile manufacturers and the
applicable state and local motor vehicle divisions in order to
process the services and products requested, to non-affiliated
third parties in order to maintain and safeguard account
information, to debt collectors, to parties as necessary to
respond to legal subpoenas and other legal process, to other
financial institutions with whom we have joint marketing
agreements, and to companies that perform services or functions
on our behalf. These companies may include financial service
providers and non-financial companies such as those that provide
you information about our services, computer and data processing
companies, and marketing and aftermarket service providers.
These service provider companies and financial institutions with
which we have joint marketing agreements will be contractually
obligated to keep the information we provide them confidential
and to use the information only to provide the services
requested of them. We observe limits and restrictions set by law
as to the sharing of information with our affiliates or others.
We do not sell or disclose customer or consumer information to
anyone other than those listed above. 3. We restrict access to
nonpublic personal information about you to those employees who
need to know that information to provide products or services to
you. We maintain physical, electronic, and procedural safeguards
that comply with federal regulations to guard your nonpublic
personal information.
Privacy Notice/Privacy Policy
Introduction
As a valued customer, we want to ensure your private information
is kept private and only shared with those companies who are
authorized either by yourself or as allowed or requested by law.
In connection with your transaction, we,
O’Meara Ford, may obtain information about you as described
in this notice, which we handle as stated in this notice.
Who is covered by
the Policy
Our Privacy Policy applies to individuals who are consumers or
customers in connection with financial services provided by the
dealership such as retail installment sales and other
transactions. We reserve our right to amend this notice and the
Privacy Policy, but we will give you notice of the revised
policy before disclosing and personal information other than as
stated in this notice.
Website Usage
You can visit the
O’Meara Ford website to read service information without
telling us who you are and without revealing any personal
information. During normal website usage, we do not collect,
gather or store any personal information from you, such as name,
address, phone number or e-mail address. The only information we
collect from your use of the site is the name of your internet
service provider, sites you visited, pages you requested, dates
and times you visited the site. These activities are monitored
by the management to measure the usefulness of the site. During
normal website usage, we do not collect or store personally
identifiable information such as name, mailing address, e-mail
address, phone number or social security number.
Collection of
Information
The financing of a vehicle requires considerable accumulation of
non-public personal information. We collect nonpublic personal
information about you from the following sources:
• Information we receive from you on applications made on line
via our website, e-mail communications from you, and other forms
- such as your name, phone numbers, e-mail address, address,
date of birth, social security number, assets and income.
• Information about your transactions with us, our affiliates or
others such as contact or lease balances, account balances and
payment history; and, Information we receive from a consumer
reporting agency, such as your credit worthiness, credit score
and credit history.
• Information from outside sources regarding your employment,
residence, credit balances, liability, and property insurance
coverage.
Protection of
Information
We restrict access to non-public personal information about you
to those employees who need to know that information to provide
products or services to you. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations
to guard your non-public personal information. We prohibit our
employees and agents from giving information about you to anyone
in a manner that would violate any applicable law or our privacy
policy.
Disclosure of Information
As permitted by law:
We may disclose any and all of the non-public personal
information that we collect about you while you are a consumer,
customer or former customer, to the following types of third
parties:
• Financial Institutions-with whom we have joint marketing
agreements. Before providing information to these financial
institutions with which we have joint marketing agreements, we
enter into contract agreements prohibiting them from disclosing
or using tile information other than for the purpose it was
disclosed.
• Financial Service Providers-such as banks, credit unions, and
other finance related companies in order to serve your financial
needs.
• Non-Financial Service Providers-who perform services on our
behalf, such as providing you with information about our
products and services, computer and data processing companies,
and marketing and after market service providers. Before
providing information to our service providers, we enter into
contract agreements prohibiting them from disclosing or using
the information other than for the purpose it was disclosed.
• Automotive Manufactures & DMV-in order to process the services
and products you have requested such as vehicle sales, warranty
information, registration and licensing.
• Non-affiliated third parties-in certain other circumstances,
such as companies that maintain and safeguard our account
information, debt collectors and as necessary to respond to
legal subpoenas and other legal process.
• Our Affiliates-within the limitations and restrictions at law.
We do not sell "customer lists" or disclose non-public personal
information we have obtained about you to anyone other than
those listed above.
By submitting your application through this site, you are
agreeing to the terms of our Privacy Policy. We reserve the
right to change our Privacy Policy.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW
ACCOUNT
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that
identifies each person who opens an account. What this means for
you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us
to identify you. We may also ask to see your driver's license or
other identifying documents.
STATE NOTICES
Arizona, California, Idaho, Louisiana, Nevada, New Mexico,
Texas, Washington or Wisconsin Residents: If you, the applicant,
are married and live in a community property state, you should
also provide the personal credit information on your spouse in
the joint applicant section. Your spouse is not required to be a
joint applicant for the credit requested unless he/she wishes to
be a joint applicant.
California Residents: An applicant, if married, may apply for a
separate account. Ohio Residents: Ohio laws against
discrimination require that all creditors make credit equally
available to all creditworthy customers and that credit
reporting agencies maintain separate credit histories on each
individual upon request. The Ohio Civil Rights commission
administers compliance with this law. New Hampshire Residents:
If this is an application for balloon financing, you are
entitled to receive, upon request, a written estimate of the
monthly payment amount that would be required to refinance the
balloon payment at the time such payment is due based on the
creditor's current refinancing programs. New York Residents: In
connection with your application for credit, we may request a
consumer report that contains information on your credit
worthiness, credit standing, personal characteristics and
general reputation. If we grant you credit, we or our servicer
may order additional consumer reports in connection with any
update, renewal or extension of the credit. If you ask us, we
will tell you whether we obtained a consumer report and if we
did, we will tell you the name and address of the consumer
reporting agency that gave us the report. Vermont Residents: By
clicking on "Submit", you authorize us and our employees or
agents to obtain and verify information about you (including one
or more credit reports, information about your employment and
banking and credit relationships) that we may deem necessary or
appropriate in evaluating your application. If your application
is approved and credit is extended, you also authorize us, and
our employees and agents, to obtain additional credit reports
and other information about you in connection with reviewing the
account, increasing the available credit on the account (if
applicable), taking collection on the account, or for any other
legitimate purpose. Married Wisconsin Residents; Wisconsin law
provides that no provision of any marital property agreement, or
unilateral statement, or court order applied to marital property
will adversely affect a creditor's interests unless, prior to
the time that the credit is granted, the creditor is furnished
with a copy of the agreement, statement or decree, or has actual
knowledge of the adverse provision. If you are making this
application individually, and not jointly with your spouse, the
full name and current address of your spouse must be properly
disclosed in the joint applicant section of this application.
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