Privacy Policy

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Copyright / Trademark

© Copyright 2005 Dealer For Life LLC DBA Dealership For Life. All rights reserved. No part of the materials made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval. The service marks used within this website are the property of Dealership For Life.

Jurisdiction and Enforceability

Use of this website is governed by the laws of the state of Maryland, other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Maryland. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.

Third-Party Sites

This website may contain links to other Internet websites ("Third-Party Sites") that are not maintained by Dealership For Life. These links are provided solely for your convenience. Dealership For Life makes no warranties or representations about and disclaims any responsibility for the contents of any products or services offered in such Third-Party Sites. Any reference to a linked website or any specific product or service by name does not constitute or imply its endorsement by Dealership For Life.

Warranties Disclaimers

The materials contained in this website and in linked websites directly or indirectly accessible from this website are provided WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NONINFRINGEMENT.

Privacy Policy

We specialize in the development, marketing and administration of automotive aftermarket products, services and programs. We respect your privacy and are committed to protecting it through our compliance with this Privacy Policy. In order to provide administrative services for these products (including but not limited to service contracts, warranties, maintenance plans and loyalty programs) we must collect nonpublic personal information and sensitive personal information from consumers who have purchased or received one of our products. This Privacy Policy describes our practices and policies regarding the collection and disclosure of consumers’ nonpublic and sensitive personal information. Privacy practices described herein apply to information held by both current and former consumers. We reserve the right to change this policy; material changes will be posted online effective immediately and you accept the changes by continuing use of our website or services.

Nonpublic Personal Information Defined

"Nonpublic Personal Information” refers to information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household, is not publicly available information and is collected during any transaction with a consumer or in connection with any service performed for the consumer. Such personally identifiable information is governed by our Privacy Policy and your use of our website constitutes your acceptance of our Privacy Policy and the practices it describes.

Sensitive Personal Information Defined

“Sensitive Personal Information” refers to consumers’ social security, driver’s license, state ID, or passport numbers, financial account information, precise geolocation, race or ethnic origin, sexual orientation or preference, religious or philosophical beliefs, union membership, nonpublic communication and genetic, biometric, and/or health data. Sensitive Personal Information and Nonpublic Personal Information shall collectively be referred to as “Personal Information”.

Collection of Nonpublic and Sensitive Personal Information

In order to administer our products and programs, we collect the following types of Personal Information:

1. Consumers’ complete legal name or business name (if applicable). This may include the name of co-buyer
2. Consumers’ contact information including street address, mailing address, email address and telephone number
3. Information about the vehicle associated with the product or service including year, make, model, VIN, weight, MSRP (or other valuation), purchase price, odometer mileage, and whether the vehicle is covered by the manufacturer’s warranty)
4. Because our products are often financed with the vehicle under a vehicle finance agreement or relate directly to the vehicle finance or lease agreement, we may collect information about the vehicle finance or lease agreement including but not limited to the amount financed, the finance agreement’s effective date and scheduled termination date, the finance agreement term and APR
5. If the vehicle is leased, we may collect information about the lease agreement including the inception date and scheduled termination date. If we adjudicate a claim in connection with a lease, we may request a copy of the lease agreement and a lease end report from the lessor
6. During the claim adjudication process, we may collect data vital to the claim including but not limited to vehicle history (e.g. CARFAX), finance agreement payment history and information from insurance carriers (e.g. auto insurance, home owner’s insurance
7. We record telephone conversations between consumers and our employees and retain other written communications from consumers. These recordings and written communications may be considered Sensitive Personal Information.

Methods for Collection of Personal Information

Our products, programs and services are marketed, sold and issued to consumers via retail businesses (e.g. auto, recreational vehicle or powersport dealers) or direct marketing entities (e.g. companies who market products to consumers over the telephone or internet). These parties may collect consumers’ Nonpublic Personal Information at the point of sale/issuance and then transmit that information to us. The data is transmitted to us electronically (e.g. via our secure online portal) or by mail or facsimile. Consumers’ Sensitive Personal Information may be collected as part of a claim adjudication process for a program or product administered by us.

Usage of Nonpublic and Sensitive Personal Information

We use consumers’ Nonpublic Personal Information to carry out our contractual obligations and to maintain accounts, process transactions, pay claims, provide administrative support and customer service for our products, programs and services. For example, we utilize Nonpublic Personal Information to identify and verify identity of the vehicle owner and the vehicle to adjudicate a claim. Additionally, Nonpublic Personal Information may be used to follow up on a claim, process a cancellation request, send a legally required notice, issue reimbursements, protect against fraud and unauthorized activities, identify and offer additional products and services, develop new products and services and perform various other activities permitted by law. Sensitive Personal Information is collected only during the claim adjudication process and used only in connection with verifying information pertinent to the claim. For example, Sensitive Personal Information may be used to verify consumers’ identity (e.g. driver’s license) or verify the location of a stolen vehicle (e.g. geolocation data).

Disclosure of Personal Information

We share consumers’ Personal Information with and/or without consumers’ prior authorization when permitted by law. We may share Personal Information with entities in the following categories:

1. Affiliates (i.e. entities that have common ownership, sister companies or subsidiaries
2. Third party service providers (e.g. repair facilities, roadside assistance providers, independent vehicle inspectors, companies who provide software to dealers, companies that provide language translation administrative services, etc.); and
3. Other unaffiliated parties (e.g. our insurer)

We may share the following type of information with the entities described above:

1. Consumers’ complete legal name or business name
2. Consumers’ contact information including street address, mailing address, email address and telephone number
3. Information about the vehicle associated with the product or service
4. Information about the vehicle finance or lease agreement including the amount financed, the finance agreement’s effective date and scheduled termination date, term and APR
5. Information need to complete the claim adjudication process claim including vehicle history (e.g. CARFAX), finance agreement payment history and information from insurance carriers (e.g. auto insurance, home owner’s insurance
6. Police reports which may contain Sensitive Personal Information such as driver’s license number, designation of race or ethnicity and geolocation data.

We are allowed by law to share Personal Information with our affiliates without consumers’ authorization in order to facilitate our products and services. We may share Personal Information with our affiliates and non-affiliates as required or permitted by law, including for the following purposes:

• For normal business purposes (e.g.to pay a claim or to request a report from a consumer reporting agency)
• In connection with a proposed or actual sale, merger, transfer, acquisition, or exchange of all or a portion of our business; and
• For marketing purposes

Consumers Right to Limit Sharing of Personal Information

We share consumers’ Personal Information with our affiliates and third-party service providers in order to facilitate our website, products, services and programs. However, we will honor requests to limit the Personal Information we share. We will implement these requests within a reasonable time upon receipt. Generally, consumers have the legal right to limit sharing of their Personal Information only in certain circumstances. Requests to limit sharing do not limit us from sharing information for everyday business purposes; as required law; or in connection with a proposed or actual sale, merger, transfer, acquisition, or exchange of all or a portion of our business. Some states may have further limitations on the sharing of consumers’ Personal Information.

Security and Confidentiality

We collect and retain Nonpublic Personal Information only in accordance with this Privacy Policy and applicable laws and regulations. We have taken reasonable precautions to protect consumers’ Nonpublic Personal Information against loss, unauthorized access, or theft by implementing physical, electronic, and procedural safeguards. Protecting consumer data is our highest priority. We take this responsibility very seriously and we regularly evaluate and update network security measures. We currently utilize the following security protocols and practices:

1. Your personally identifiable information is subject to the laws of the United States. The servers and databases in which information may be stored may be located outside the country from which you accessed the services and, in a country, where the data protection and other laws may differ from your country of residence. Your personally identifiable information may be disclosed in response to inquiries or requests from government authorities or to respond to judicial process in the countries in which we operate.
2. Our systems are stored in a secured datacenter which is monitored 24 hours a day, 365 days a year. Physical access to the datacenter is heavily restricted - only authorized datacenter personnel have access, with outside access restricted to our security officer and network engineer
3. Customer information that is transmitted outside of our network is either encrypted prior to transmission or transmitted to a secure FTP website
4. Our Office Firewalls are monitored 24 hours a day for suspicious activity and enable us to proactively address any threats.
5. We employ a 3rd party vendor to conduct network intrusion testing, which includes proactive testing and confirmation of security measures.
6. Our data is only accessible to authorized users via secure in-house applications. Each authorized user is assigned a security access level based on individual position requirements. All users are required to change network passwords every 90 days.
7. Paper documents containing customer information are scanned into our internal system. All paper documents are shredded prior to disposal.
8. We require all employees to participate in annual data security training. This training ensures that all employees understand the importance of data security and are current on all company data procedures and rules.

Specific Rights and Notices

This Privacy Policy contains the following legally required information:

1. Category of Nonpublic Personal Information being collected
2. Category of sources from which the data is collected (e.g. dealer)
3. The purpose for which the data is collected
4. Category of other entities the data may be shared with; and
5. The specific pieces of data being collected

Consumers who are residents of a state that affords consumer rights governing data usage may have the following additional rights with regard to Nonpublic Personal Information collected by us. Exemptions may apply.

1. The right to request a copy of the consumer’s Nonpublic Personal Information collected by us. You have the right to request a copy of the Nonpublic Personal Information collected by us twice in a 12-month period. This data will be provided to a verified consumer by mail or email within 45 (forty-five) days of the request. We cannot provide access to specific pieces of Personal Information that is sensitive or creates a high risk of potential harm from disclosure to an unauthorized person. We will take steps to validate your identity before any information is disclosed which may require you to provide additional information or documents. To request this information from us, please click here.
2. The right to request that a business delete the consumer’s Personal Information. In the event you request deletion of your Personal Information, we will also affect deletion of that information retained by any 3rd party with whom we shared your information (in accordance with the information sharing policies outlined herein). However, we are required to comply with the request if the information is needed provide a good or service to the requesting consumer. To protect your Personal Information, we will take steps to validate your identity before your request is processed which may require you to provide additional information or documents. We will process such request within 45 days of the request, subject to any applicable exceptions and extensions permitted by law. To request deletion of your Personal Information, please click here.
3. The right to request that a business abstain from selling a consumer’s Personal Information. PLEASE NOTE THAT WE DO NOT SELL CONSUMERS’ PERSONAL INFORMATION. You have the right to direct us not to sell or share your Personal Information to third parties. We will process requests within 15 business days, subject to any applicable exceptions and extensions permitted by law.
4. The right to request that a business abstain from sharing your Personal Information. Please note that opting out of the sharing of your Personal Information may affect your ability to make a claim under a product or program administered by us. You have the right to direct us not to sell or share your Personal Information to third parties. We will process requests within 15 business days, subject to any applicable exceptions and extensions permitted by law. To opt out of sharing your Personal Information, please click here.
5. The right of persons younger than 16 years old that their Personal Information not to be shared without affirmative written consent of the person or their parent or guardian.
6. The right to request that we correct any inaccurate Personal Information that we may have collected from you. When you make your request, please provide us the correct information and any documentation you believe supports your proposed correction. We will only correct the information if we determine, based on the totality of the circumstances, that your correction is more likely than not accurate. We may also choose to delete the allegedly inaccurate information instead of correcting it. We will process verified requests within 45 days, subject to any applicable exceptions and extensions permitted by law. To correct inaccurate Personal Information please click here.
7. The Right to limit use of sensitive personal information. Certain States grant you the right, at any time, to direct a business that collects sensitive Personal Information about you to limit its use only to the extent which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services to be performed. Other states may require us to obtain your consent to process sensitive Personal Information. The definitions of Sensitive Personal Information vary by state. We will process requests to limit use of sensitive Personal Information within 15 business days, subject to any extensions permitted by law. If you reside in a state that requires consent to process sensitive Personal Information, we treat your request to limit as a revocation of consent to process such information. Requests to limit and revocations of consent are subject to exceptions permitted by applicable laws. To request that we restrict usage of your sensitive Personal Information please click here.
8. Right to Opt-Out of Automated Decision-Making and Profiling. You have the right to access information about how we use automated decision-making technology which includes information about the logic involved in those decision-making processes, as well as a description of the likely outcome of the process. You have the right to opt out of automated decision-making technology processes. To request information or to opt out of automated decision-making processes please click here.
9. Right to Request Transfer. You have the right to request that we transfer your Nonpublic Personal Information to another entity to the extent technically feasible, in a structured, commonly used, machine-readable format. To request such a transfer please click here.
10. Right to Appeal. If we deny a privacy rights request in full or in part, you have the right to appeal that decision. If we deny your appeal, you may also contact your state Attorney General to lodge a complaint and we will provide you with an online mechanism to do so when we communicate our denial to you. We will process verified requests within 45 days, subject to any applicable exceptions and extensions permitted by law. To request such a transfer please click here.
11. Submitting a Request. If you are a resident of a state that affords you consumer rights governing data usage and would like to exercise your rights, you may submit a request here. You may also submit a request by phone by contacting us at 800-717-4988.
12. Authorized Agent. If you are an authorized agent submitting a request on behalf of another person, you must provide a copy of a lawful power of attorney or written authorization from the consumer (along with proof of your identity). If you make a request as an authorized agent, you will receive additional instructions. We may contact you or the consumer on whose behalf you claim to act to verify your authorization.
13. Non-Discrimination Notice. We will not discriminate against any individual for exercising their privacy rights under law or this Privacy Policy.
14. California “Do Not Track disclosure”. Do Not Track is a web browser privacy preference that causes the web browser to broadcast a signal to websites requesting that a user’s activity not be tracked. Currently, our website does not respond to “do not track” signals.
15. Annual (including California) Privacy Rights Act Reporting Metrics. Click here to view our most recent reporting metrics.

Transparency in Coverage Rule

This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Cookies:

A cookie is a tiny piece of data stored by a user's browser that helps a website or service recognize that user's unique computer. In the event we elect to use session specific cookies for collection and use on dealershipforlife.com to improve the user experience and for basic web metrics, these cookies expire in a very short time frame or when a browser window closes. You can edit permissions, and remove or block cookies by changing the settings on your browser.

Interest-Based Advertising

We may work with third-party advertisers, search providers, and ad networks (“Advertisers”) to learn more about you and show you targeted ads or other content that we or they believe would be relevant to you. Advertisers may collect and use information about your use of the website as well as other websites and services through cookies and other online tracking technologies. We and/or advertisers may also append other data to the data collected by advertisers to create an interest profile of individual users. Our Privacy Policy does not govern how an advertiser may use your information after they collect it from you. Advertisements may be shown via the website or on third-party websites.

Advertising and Analytics

If you arrive at our website via an advertisement (e.g., banner ad), we and/or advertisers may collect information regarding the advertisement with which you interacted and your actions related to it (e.g., item clicked, date, and time).

Social Media Features

The website may include social media features, such as Facebook, Instagram, LinkedIn, Pinterest, Snapchat, Twitter, and YouTube widgets. The third parties that provide these features may collect information about your device (such as IP address) and the pages you visit on our website as well as other Personal Information. A cookie may be set to ensure that a feature properly functions. Your interactions with the social media features are governed by the privacy policies of the companies that provide them and you should review the relevant privacy policies before interacting with the social media features.

Referring Websites

You should review the privacy policy of any website from which you reached the Sites to determine what information was collected by that website and for what purpose(s) you agreed that website could use that information. We may retain information about you provided to us by other websites and will only use it in accordance with this Privacy Policy.

Cookie Categories

The cookies and uses described above fall into the following four categories:

1. Strictly Necessary Cookies. These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you such as a request for services like setting your privacy preferences, logging in, or filling in forms.
2. Performance Cookies. These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our website. They help us determine which pages are the most and least popular and understand how visitors move around the Sites. Typically, these cookies collect aggregate and/or anonymous information. If you do not allow these cookies, we will not be able to fully assess the performance of our Sites related to your browsing experience.
3. Functional Cookies. These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, certain features or services may not function properly.
4. Advertising Cookies. These cookies may be set through our website by us, our advertising partners, and social media companies. They may be used to build a profile of your interests and show you advertisements on other websites that we or these third parties believe would be relevant to you. If you do not allow these cookies, you will experience less targeted advertising though perhaps not less advertising overall.

Managing Your Cookie Preferences

You can manage your cookie preferences at any time by using the tools and resources listed below. Please note that opting out of some types of cookies may impact your experience on our website and limit the services we are able to offer.

1. Browser Opt-Out. Most browsers give you the ability to manage your cookies. Your preferences are browser specific and if you come back to our website from a different device or a different browser on the same device, you will need to apply your preferences for that browser or device as well. For more information refer to your specific browser’s instructions. If we detect an opt-out preference signal, we will honor it to the extent described herein.
2. Link in the Website footer. To opt out of certain uses of cookies and tracking tools, navigate from this page to the cookie preferences link in the footer of the Website that you last visited.
3. Digital Advertising Alliance. The Digital Advertising Alliance (DAA) is an independent nonprofit organization which establishes and enforces responsible privacy practices for relevant digital advertising, while giving consumers information and control over the types of digital advertising they receive. You may opt-out of interest-based targeted advertising provided by participating ad servers. To learn more information about online advertising, you can review the following resource: Digital Advertising Alliance

CONTACT INFORMATION

For questions about this Privacy Policy, to report a privacy breach or to make a request regarding the sharing of Nonpublic Personal Information please contact us at:

Attn: Chief Privacy Officer
Michele Zimmerman
210 N Main St
Boonsboro MD 21713
800-717-4988
privacy@dealershipforlife.com

Requests for access or changes to information must be submitted in writing to the address listed above.