|Why?||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.|
|What?||The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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 the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Flagship chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Flagship share?||Can you 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||No||No|
|For our affiliates’ everyday business purposes –
information about your transactions and experiences
|For our affiliates’ everyday business purposes –information about your creditworthiness||No||We don’t share|
|For our affiliates to market to you||No||We don’t share|
|For nonaffiliates to market to you||No||We don’t share|
|Who we are|
|Who is providing this notice?||FC HoldCo LLC, Flagship Credit Acceptance LLC, FC Funding LLC, FCA Funding I LLC, FCA Asset Securities LLC, Flagship Credit Auto Trust, CarFinance.com LLC, and CarFinance Capital LLC dba CarFinance.com, for whom Flagship Credit Acceptance LLC acts as servicer (together, “Flagship”).|
|What we do|
|How does Flagship 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 Flagship collect my personal information?||We collect your personal information, for example, when you
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
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.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
California and Vermont Residents: We will not share your information with companies outside of Flagship, except for our everyday business purposes, for marketing our products and services to you, or as required or permitted by law or with your consent.
Texas Residents: Flagship is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Flagship should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: firstname.lastname@example.org. Website: occc.texas.gov.
Telephone Communications: All telephone communications with Flagship or our authorized agents may be monitored or recorded.
Effective Date: November 1, 2022
In today’s marketplace, privacy is a constant concern and at Flagship Credit Acceptance LLC (“Flagship,” “we,” “our” or “us”), we take this concern very seriously. We want you to understand what our policies are regarding every Flagship product and service that we offer—which includes how we handle the nonpublic personal information that we receive about you. We respect the privacy of visitors to our website and users of our services (“you”, or “your”), including users accessing the Flagship Auto Refinance experience seeking to refinance an auto loan.
For California Consumers, refer to https://www.flagshipcredit.com/california-privacy-notice/ to access Flagship’s California Privacy Notice.
Throughout our business relationship with you, you provide us with, and we collect, Private Information about you. Private Information is any information that may be used to identify an individual, including, but not limited to, a first and last name, home or other physical address, an email address, phone number or other contact information. The following is a list of the Private Information we collect and maintain about you, and the sources of such information:
Flagship collects Private Information that you choose to make available to us on the Service, and may include, without limitation, the city where you live, your zip code, your first and last name, your billing address, vehicle registration/titling information, your cell phone number, your email address, information regarding your vehicle and its history, banking or payment information for purchasing a vehicle, making payments on your account, or for other services we offer. By providing us with your mobile phone number(s), you verify that it is your mobile phone number(s) and you are providing express consent to receive autodialed calls and prerecorded/artificial voice messages, including text messages, by Flagship or its authorized agents at that number. You certify that that the telephone numbers you have provided are your telephone numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided. You agree to notify Flagship whenever you stop using a telephone number you have previously provided. You understand that your cellular or mobile telephone provider may charge you depending on the type of plan you have.
If you choose to post content to any of the interactive areas of our Service, such as discussion forums, comments fields and social media areas, the information you post can be seen, collected and used by anyone who has access to those areas. Flagship is not responsible for any third-party use of such information.
We may survey our users to measure their satisfaction with our Service and to help us learn more about our audience and how they interact with our Service. Third-party research firms may conduct these surveys on our behalf. We will not share, without your consent, any Private Information you submit in response to a survey with any company other than the research firm conducting the survey. We will, however, take the information you provide and aggregate it on a non-identifying basis with data collected from other survey participants. We may use and disclose that pool of aggregated information, without identifying you personally.
Flagship also automatically receives and records information on our server logs from your browser when you use our service, including your Internet Protocol (“IP”) address, cookie information, and the page you request, to analyze trends in the aggregate and administer the site.
We may also receive Private Information about you from third parties, including, for example, information about your transactions, purchase history, credit history or relationships with various product and service providers, and your use of certain applications. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you.
When you visit the Service, we may (or we may authorize a trusted third-party partner to) send one or more cookies, a small text file containing a string of alphanumeric characters, to your computer that uniquely identifies your browser and lets us help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the Service (e.g., the pages you view, the links you click and other actions you take on the Service) and allow us or our business partners to track your usage of the Service over time.
A persistent cookie remains on your hard drive after you close your browser. Persistent cookies may be used by your browser on subsequent visits to the site. Persistent cookies can be removed by following your web browser’s directions. A session cookie is temporary and disappears after you close your browser. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Service may not function properly if the ability to accept cookies is disabled.
Log file information is automatically reported by your browser each time you access a web page. When you use our Service, our servers automatically record certain log file information. These server logs may include information such as your web request, IP address, browser type, referring/exit pages and URLs, number of clicks and how you interact with links on the Service, domain names, landing pages, pages viewed, and other such information.
When you use the Service, we may employ clear gifs (also known as web beacons) which are used to anonymously track the online usage patterns of our users. In addition, we may also use clear gifs in HTML-based emails sent to our users to track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Service.
When you access the Service by or through a mobile device (including but not limited to smartphones, iPads or tablets), we may access, collect, monitor and/or remotely store one or more “device identifiers,” such as a Unique Device Identifier (“UDID”). Device identifiers are small data files or similar data structures stored on or associated with your mobile device, which uniquely identify your mobile device. A device identifier may be data stored in connection with the device hardware, data stored in connection with the device’s operating system or other software, or data sent to the device by us. A device identifier may convey information to us about how you browse and use the Service. The device identifier information that we collect does not itself collect or transmit any Private Information to us, however, a device identifier may be used in conjunction with other information in a manner that may constitute Private Information. A device identifier may remain persistently on your device, to help you log in faster and enhance your navigation through the Service. Some features of the Service may not function properly if use or availability of device identifiers is impaired or disabled.
When you utilize the Service by or through a mobile device, we may access, collect, monitor and/or remotely store “location data,” which may include GPS coordinates (e.g., latitude and/or longitude) or similar information regarding the location of your mobile device. We may also use various technologies to determine location, such as sensor data from your device that may, for example, provide information on nearby Wi-Fi access points and cell towers. We collect your location-based information for the purpose of customizing your experiences with our Service, as well as for usage by us or our third-party fraud prevention service for fraud prevention purposes. Location data may convey to us information about how you browse and use the Service. The location data that we collect does not itself contain or transmit any Private Information to us, however, location data may be used in conjunction with other information in a manner that may constitute Private Information. You may opt-out of location-based services at any time by editing the setting at the device level.
To learn more about cookies, clear gifs/web beacons and related technologies, you may wish to visit the Network Advertising Initiative’s online resources, at https://www.networkadvertising.org.
Private Information collected by us is used to provide you with the Service. We collect your email address if you create an account through email, through an app, or online. We collect your first and last name and your phone number to provide you quality customer service. We may use your Private Information to provide you with product information, support the services offered on the Service and to notify you of technical updates, changes in policy or other customer services. We may contract with one or more third party agents to provide the Service. These third parties may include credit card processing companies, finance companies, credit reporting companies, vehicle registration companies, automobile valuation agencies, insurance companies, website designers, website hosting companies and others who assist in providing the information, systems or materials available through the Service. Selected parts of your Private Information may be shared with these third party agents in order to provide you with the Service. We also use your Private Information to send you Service-related emails (e.g., account verification, purchase and billing confirmations and reminders, changes/updates to features of the Service, technical and security notices).
We will retain your Private Information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at Hello@flagshipcredit.com. We will retain and use your Private Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We only share your Private Information as expressly allowed or required by law. We may disclose some or all of your Private Information described above, as follows:
Service Providers. We may share some or all of the Private Information described above with companies that perform services for us or act on our behalf, such as a marketing company that sends you information about our products. The information we may share includes your name, address and account number, and can consist of other Private Information. We may share such information about you as a consumer, customer, or former customer.
Other Third Parties. We may share some or all of the Private Information described above with other non-affiliated third parties as permitted by law.
You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship.
We will use your email address to send you notifications while using our Service. You may opt out of these notifications at any time by sending an email to Hello@flagshipcredit.com. Even if you opt out, we will send you strictly Service-related announcements on rare occasions when we deem it is necessary to do so. For instance, if our Service is temporarily suspended for maintenance, we may send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your Flagship account.
You can manage your account and make modifications to any preferences applicable to providing the Service by updating your user information on the applicable Service. You can also access, modify, amend or delete any account information you provide to the Service. Upon request, we will provide you with information about whether we hold any of your personal information. We will respond to your request within a reasonable timeframe.
You may, of course, decline to submit any Private Information through the Service, in which case we may not be able to provide certain services to you.
We do not respond to Do Not Track signals or other mechanisms that provide you the ability to exercise choice regarding the collection of Private Information about your online activities over time and across third-party Web sites or online services. As described in the following paragraph, you may disable cookies on your browser to prevent us or its business partners from tracking your browser’s activities in relation to the Service, and for use in targeted online advertising.
The only way to completely “opt out” of the collection of any information through cookies or other technology is to actively manage the settings on your browser. Please refer to your browser’s technical information for instructions on how to delete and disable cookies, and other tracking/recording tools. (To learn more about cookies, clear gifs/web beacons and related technologies, you may wish to visit the Network Advertising Initiative’s online resources, at https://www.networkadvertising.org.)
Note that disabling cookies on your browser prevents us or our business partners from tracking your browser’s activities in relation to the Service, and for use in targeted online advertising. However, doing so may disable many of the features available through the Service.
As noted above, we may share Non-Private Information with third-party business partners to deliver online advertisements to your browser or mobile device through the Service, and/or to third- party websites and services. If you would like more details about this practice and your choices about how to opt out of the collection and use of your information by these companies for online advertising purposes, visit http://www.google.com/privacy_ads.html for Google.
We take commercially reasonable steps to ensure information we collect through the Service is stored in a secure manner. We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of all information collected. We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information you input.
This Site is not intended for or directed to persons under the age of 18 or without legal capacity to enter into binding contracts. Any person who provides their information to us through the Account login page for new customers or any other part of the Service represents to us that he/she is 18 years of age or older with legal capacity to enter into binding contracts.
We take our commitment to protection of your privacy, as set out in this Policy, seriously. Nevertheless, NOTHING IN THIS PRIVACY AND SECURITY POLICY IS INTENDED TO CREATE OR PROVIDE ANY RIGHT OF ACTION FOR VIOLATION.
California residents: You can review the California Privacy Notice at this link: https://www.flagshipcredit.com/california-privacy-notice/
Alabama, California (loans made or arranged pursuant to a California Finance Lenders Law License), Oregon, South Carolina- lender license; South Carolina – max rate certificate; South Carolina – consumer credit license; South Carolina – consumer pamphlet; Vermont - lender license.
Flagship holds Michigan Regulatory Loan License #RL0020187, effective February 9, 2016. This license was issued by the Department of Insurance and Financial Services who can be contacted at an address of 530 W. Allegan Street, 7th Floor, Lansing, MI 48933 or via telephone at 517-284-8800.