AMERICAN CAR CENTER WEBSITE PRIVACY POLICY
American Car Center Privacy Policy Last Revised: August 30, 2021
We Respect Your Privacy
RAC Dealership, LLC dba American Car Center and its affiliated entities (“American Car Center,” “we,” “us” or “our”) are committed to protecting the privacy of the personal information of its website users (“you” or “your”). Your privacy matters to us and we recognize the importance of keeping your information secure. Below, you will find the details about our privacy policies and how your information is used and protected.
American Car Center is mindful of the right to privacy of every visitor to our website www.americancarcenter.com (the “Site”). This Website Privacy Policy explains our online practices and how we collect, use, and protect your information. The Website Privacy Policy may be changed or updated without prior notice to you. By visiting our Site, you acknowledge your agreement to be bound by the practices described in this Website Privacy Policy. Our Website Privacy Policy applies to all consumers who visit or use our Site, and we encourage you to read through and review this Website Privacy Policy each time you access the Site. If you do not agree with this Website Privacy Policy, we ask that you not use the Site.
Protecting Your Privacy
1. Web Sites Covered
This Website Privacy Policy covers the information practices of the Site. If you are a lease or credit customer of American Car Center and American Financial, or you apply for lease financing or other financing through this Site, the privacy and security of your personal information relating to your application and account are governed by our GLBA Privacy Notice.
2. Collection and Use of Personal Information
Should you submit information in order to be contacted by us, or choose to apply for pre-qualification or submit a full application for lease or other credit on this Site, the types of personal information that may be requested from you include, but are not limited to, the following: name, address, phone number, email address, employment information, income information, social security number, residence information, and documents supporting such information. The privacy and security of your personal information relating to your applications and accounts are governed by our GLBA Privacy Notice.
If you provide us with your phone number when submitting contact information or applications to us, we may contact you by phone, even if the number you provide is on the National Do Not Call Registry. If you have agreed to be contacted, and no longer wish that we contact you for marketing purposes at the phone number you provided, you may instruct us to put your phone number on our internal do-not-call list. If you are a lease or credit customer of American Financial, we may also contact you by telephone in connection with your American Financial account.
If you provide us with your email address, we may periodically send you complimentary materials including newsletters, offers, and instructional videos. Our marketing emails will include an unsubscribe mechanism if you no longer wish that we contact you for marketing purposes at the email address you provided. If you are a lease or credit customer of American Financial, we may also contact you via email in connection with your American Financial account.
Providing your personal information to us is entirely optional. You may choose what information to provide to us. You may choose to withhold certain information, but this may affect our ability to provide a high level of customer service and present you with offers. We encourage consumers to disclose all pertinent information so we can provide you with appropriate customer support.
American Car Center does not disclose any personally identifiable information about consumers to anyone, except as described in this Website Privacy Policy, the GLBA Privacy Notice, or as otherwise permitted or required by law. For example, personally identifiable information about a consumer may be used or shared to comply with any law, regulation, audit, subpoena, or court order, or to protect against fraud or other liability. We also share information with our service providers in order to service your American Financial account and to process card payments. We may also share information with our service providers, for example to evaluate the effectiveness of our Site or to look for ways to improve your customer experience. We take steps to ensure that your personal information is protected even when it is shared with a service provider. We never sell your information to anyone. In the event that our business or substantially all of the assets of the business are acquired, personally identifiable information may be one of the transferred assets.
Mobile numbers will not be shared or sold to third-parties, affiliates, or any other business outside of this company unless required by law. Any information collected as part of a text messaging campaign opt-in process will not be shared or sold to third-parties, affiliates, or any other business outside of this company unless required by law. Mobile numbers will not be shared or sold for marketing purposes.
3. Collection and Use of Non-Personal Information
American Car Center employs commonly used information-gathering tools, such as cookies, to collect information as users navigate the Site (“Website Navigation Information”). This section describes the types of Website Navigation Information American Car Center may collect and how American Car Center may use this information.
Cookies
American Car Center uses cookies to better accommodate and serve visitors to our Site, improve visitors’ experiences on our Site, understand conversion paths and durations, and optimize website design and content. When a user visits the Site, American Car Center’s servers send a cookie to the user’s computer. By themselves, cookies recognize a user’s web browser and do not personally identify individual users. Unless a Site user chooses to identify himself or herself to American Car Center, such as by responding to marketing material or filling out a web form, users remain anonymous to American Car Center.
There are two types of cookies: session and persistent. Session cookies are transient and exist only during one session. They disappear from a Site user’s computer when the user closes his or her browser software or turns off his or her computer. Persistent cookies remain on a user’s computer after the user closes his or her browser or turns off his or her computer.
If you have chosen to identify yourself to American Car Center, we use session cookies containing encrypted information to allow us to uniquely identify you. Each time you log into the website, a session cookie containing an encrypted, unique identifier that is tied to you is placed in your browser. These session cookies allow American Car Center to uniquely identify you when you are logged into the Site and to process your online submissions and requests. Session cookies are required to use the Site.
American Car Center uses persistent cookies that only we can read and use to identify browsers that have previously visited American Car Center’s Site. When you access the Site or provide American Car Center with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that American Car Center places on your web browser. American Car Center is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, American Car Center does not store account numbers or passwords in persistent cookies. If you disable your web browser’s ability to accept cookies, you will be able to navigate American Car Center’s Site, but you may not be able to successfully use all features of the Site.
Web Beacons
American Car Center uses web beacons, also known as pixel tags, alone or in conjunction with cookies to compile information about users’ usage of the Site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular website tied to the web beacon, and a description of a website tied to the web beacon. For example, American Car Center may place web beacons in marketing emails that notify American Car Center when you click on a link in the email that directs you to the Site. American Car Center uses web beacons to operate and improve our website and email communications and to analyze the performance of our marketing campaigns. American Car Center may use information from web beacons in combination with data about users to provide you with information about us.
IP Addresses
When you visit the American Car Center Site, American Car Center collects your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, American Car Center uses IP addresses to monitor the regions from which users navigate the Site.
Third-Party Cookies
American Car Center may periodically engage third-party service providers to track and analyze non-personally identifiable statistical usage and traffic information from Site visitors. American Car Center may also use other third-party cookies to track the performance of American Car Center advertising. The information provided to such third parties does not include personal information, but this information may be re-associated with personal information after American Car Center receives it. This Privacy Policy does not cover the use of third-party cookies.
Interest-Based Advertising
Interest-based advertising, also known as online behavioral advertising, uses information collected across multiple websites that you visit in order to help predict your preferences and show you advertisements that are more likely to be of interest to you. Third parties, including our service providers, use cookies and other tracking technologies to collect information about your online activities over time and across different websites, including when you visit our Site. We use this information to provide relevant marketing to you when you visit our Site or third-party websites. We also use third-party web beacons on our Site and on other sites to assist in managing and optimizing our online advertising. These third-party cookies and other devices do not contain personally identifiable information about you.
Google Analytics
We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. You may opt out of Google Analytics by visiting the Google Analytics opt-out page.
Website Usage Information
We collect website usage information through a third-party service provider. The information includes, but it is not limited to, clicks, taps and scrolling behavior, web pages viewed, session duration, time to submit or abandon a web form, and others.
4. Social Media Information and Online Behavioral Data
American Car Center uses social media information provided by Facebook to serve advertisements to the public and to our targeted potential customers on Facebook. The information is stored and controlled by the social media platform.
American Car Center uses social media information so we can improve our customer service and provide you with more personalized offers and experiences. When you share social media information with American Car Center by connecting your social media profile, you will be given a description of what information may be collected. Each social network provides different types of information. Facebook may provide your username, likes, public posts, and other basic data, while Twitter may offer your username, tweets, and basic profile. We may also use your contact information, such as your email address, to obtain your publicly available social media information from third parties. American Car Center will be able to collect only the information that is made publicly available based on your Facebook and Twitter privacy settings, not your social account password or any other non-public information. All social media information will be protected in accordance with our Website Privacy Policy.
We use online behavioral data, browsing and search history data, and personal interest and topic affiliation data provided by Google, Facebook, and other vendors to serve advertisements to the public and to our targeted potential customers on Google, Facebook, or other websites in their networks.
5. Sharing of Information Collected
American Car Center may share data about you with our agents to ensure the quality of information provided. American Car Center may also share data from your applications and submissions on this Site with our affiliate American Financial for application underwriting purposes. American Car Center does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes.
American Car Center reserves the right to disclose personally identifiable information provided by users if required by law or if American Car Center reasonably believes that disclosure is necessary to protect American Car Center’s rights or to comply with a judicial proceeding, court order, or legal process.
6. Do Not Track and Opt-Out
American Car Center’s websites do not respond to “Do Not Track” signals or other similar mechanisms on any internet browsers and may track information listed in this policy; however, our tracking system will not track your activities on the site if your browser is set to "incognito," "private," "do not track" or similar setting.
We may use Google, Facebook and other third parties to serve advertisements to our users after they visit our website. For more information on how to opt-out of that practice by companies participating in industry self-regulation, please visit http://optout.aboutads.info.
7. Security
American Car Center is committed to protecting the confidentiality of your information and online interactions with us. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, American Car Center restricts access to the information to our employees, agents, and contractors who need to know such information to provide products or services to you.
8. Personal Information on Children
American Car Center’s services are intended for use by individuals who are at least 18 years old and who are legally capable of entering into a contract. If you are under the age of 18, you should not be visiting the Site. We do not knowingly collect or retain personal information from children under the age of 13. If you are under the age of 13 and are visiting or otherwise using the Site, you are expressly prohibited from using our services and are advised not to disclose or provide any personally identifiable information on the Site.
9. If You Access from Outside the United States
If you reside outside the United States, you understand and agree that any information you provide to American Car Center will be transferred from the country of your residence or location at the time it was provided to the United States. If you do not want your personally identifiable information to be transferred to the United States, do not provide that information to us. By providing us with your information, you consent to the transfer of your information to the United States.
10. Changes to this Privacy Policy
American Car Center reserves the right to change this Website Privacy Policy at any time. You will not be given any notice to these modifications. Your continued use of the Site after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.
11. Contacting Us
Questions regarding this Privacy Policy or the information practices of American Car Center’s Site should be directed to American Car Center at privacy@americancarcenter.com or (877) 720-4477.
Your California Privacy Rights
California Civil Code § 1798.83 permits our Site visitors who are California residents to request certain information regarding the disclosure of personal information to third parties for their marketing purposes. To make such a request, please send an email to: cpra@americancarcenter.com or write us: 6775 Lenox Center Court, Ste. 100, Memphis, TN 38119, ATTN: Legal Department.