California Consumer Privacy Policy

 

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The California Consumer Privacy Act (CCPA) provides California residents with several rights regarding the collection, access to, deletion, and retrieval of certain personal information collected about them. These rights include the following*:

  • The right to request a list of the categories of personal information and specific items of personal information collected about you

  • The right to request deletion of certain personal information collected about you

  • The right to opt out of the sale of personal information collected about you

  • The right of non-discrimination for the exercise of your rights under the CCPA

  • The right to receive a Notice of Collection at or before the time personal information is collected about you, which details the type of information that may be collected about you and the business purpose for which the information is used. (The Notice of Collection can be found here)

  • The right to know the following regarding personal information collected about you:

    • Categories of personal information we may collect about you

    • Categories of sources from which the personal information may have been collected

    • The business purpose for the collection of the personal information

    • Categories of personal information we may collect about you that may be shared with others for a business purpose

    • Categories of entities that we may share your personal information for a business purpose

 

Submitting a Request to Know and/or Request to Delete

If you are a California resident seeking to make a Request to Know and/or Request to delete personal information collected about you, those requests can be made by completing the following web form, located here, or by calling 866.760.3840

In order to process your Request to Know and/or Request to Delete, you must provide the following information so that Credit Acceptance can verify your identity by comparing the personal information you provided to us against the records in our systems: 

  • Name

  • Address

  • Phone Number

  • Account Number (if applicable)

  • If you wish to receive a response via mail, the address to which the response should be sent

  • If you wish to receive a response via e-mail, the e-mail address to which the response should be sent

 

You can also make Requests to Know or Requests to Delete by completing this form, and mailing or emailing it to us at either of the following addresses:

Credit Acceptance Corporation

25300 Telegraph Road

Southfield, MI 48033

Attention: Operations Support

 

OR

Operationssupport@creditacceptance.com

 

Credit Acceptance will maintain a record of your Request.

 

Making requests on behalf of others

If you wish to make a Request to Know and/or Request to Delete on someone else’s behalf, you must submit the request to the mailing address or e-mail address specified above, and include one of the following documents with the completed form

  1. Written, signed authorization from the consumer giving the individual identified the authority to make a Request to Know and/or Request to Delete on their behalf; OR

  2. An authorized power of attorney pursuant to California Probate Code Sections 4000 to 4465 which sufficiently provides the authorized party with the authority to make a Request to Know and/or a Request to Delete, or generally access an individual’s personal information. 

Failure to submit a Request to Know or Delete on someone else’s behalf as specified will result in the request being denied.

 

Questions

If you have questions concerning how to make a Request to Know or Request to Delete, or questions concerning Credit Acceptance’s privacy policy and practices, please call 866.760.3840

 

*Note: The CCPA does not apply to the collection, processing, and disclosure of certain personal information, including personal information collected subject to the Gramm-Leach-Bliley Act (GLBA). This includes all personal information collected for a financial product or service for personal, family, or household purposes.

All consumer personal information Credit Acceptance has collected, will collect, processes, has shared or disclosed is personal information subject to the GLBA, and is used only for purposes of originating or servicing an account, or processing an application for credit.

Although Credit Acceptance has established methods and procedures for consumers to make Requests to Know and Requests to Delete their information, all consumer personal information Credit Acceptance collects about you is exempt from the CCPA. As a result, our responses to these requests will be that the personal information is exempt from deletion and disclosure to you.

 

Collection and sharing of consumer personal information for California residents

Credit Acceptance Corporation may collect the following categories of information from you, and may use and share that information as disclosed below:

Identifiers: This category includes, but is not limited to, information such as name, alias, postal address, telephone number, social security number, e-mail address, etc.

Business Purpose for Which This Information is Used: The information may be used to verify identity and protect against security risks and threats, perform the credit approval process, complete all actions needed to take assignment of a retail installment contract, to communicate with you, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, bank verification service providers, payment processing service providers, communication service providers, third party lenders, software vendors, lien and titling vendors, and government entities where required by law.

 

Other Identifiers/Personal Information: This category includes, but is not limited to, information such as signature, driver’s license, insurance policy information, bank account information, income information, etc.

Business Purpose for Which This Information is Used: The information may be used to verify identity, perform the credit approval process, predict anticipated collections on an account, complete all actions needed to take assignment of a retail installment contract, to communicate with you, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, bank verification service providers, payment processing service providers, communication service providers, third party lenders, software vendors, lien and titling vendors,  and government entities where required by law.

 

Characteristics of Protected Classification Information: This category includes, but is not limited to, information such as age, sex, military status, etc.

Business Purpose for Which This Information is Used: The information may be used to verify identity, to determine military and active duty status to ensure compliance with state and federal laws, complete all actions needed to take assignment of a retail installment contract, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

Note: Other than a minimum age requirement and military status, no protected classification information is used to make credit or servicing decisions. Age and military status information are used to ensure compliance will all applicable state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, bank verification service providers, payment processing service providers, communication service providers, third party lenders, software vendors, and government entities where required by law

 

Commercial Information: This category includes, but is not limited to, information such as motor vehicle information, credit report history and information, purchasing or consuming histories or tendencies, records of products or services purchased, etc.

Business Purpose for Which This Information is Used: The information may be used to perform the credit approval process, predict anticipated collections on an account, complete all actions needed to take assignment of a retail installment contract, secure a lien on the motor vehicle, to communicate with you, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, payment processing service providers, communication service providers, third party lenders, software vendors, lien and titling vendors,  and government entities where required by law

 

Internet and Electronic Network Activity: This category includes, but is not limited to, information such as browsing and search history within the customer portal, and interactions with websites, advertisements, and applications.

Business Purpose for Which This Information is Used: The information may be used to identify and protect against security risks and threats, to ensure the security of our physical locations and electronic systems, to communicate with you, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: No

Categories of Entities to Whom this Information May be Disclosed: This category of information is not shared with third parties.

 

Geolocation data: This category includes, but is not limited to, location of your vehicle, residence, place of employment, etc.

Business Purpose for Which This Information is Used: The information may be used to contact you, to repossesses the vehicle, and as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, bank verification service providers, payment processing service providers, communication service providers, third party lenders, software vendors, lien and titling vendors, data analytics service providers, and government entities where required by law

 

Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information: This category includes, but is not limited to, information such as audio and video recordings, and photographs.

Business Purpose for Which This Information is Used: The information may be used to ensure the quality of our customer service experience, ensure compliance with applicable state and federal laws, and as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, collection service providers, software vendors, and government entities where required by law

 

Professional and Employment-Related Information: This category includes, but is not limited to previous and current employment information, etc.

Business Purpose for Which This Information is Used: The information may be used to perform the credit approval process, predict anticipated collections on an account, complete all actions needed to take assignment of a retail installment contract, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, credit reporting agencies, collection service providers, consumer verification service providers, communication service providers, third party lenders, software vendors, and government entities where required by law

 

Education Information: This category includes, but is not limited to, information such as high school graduation or GED attainment, colleges and universities attended and degrees earned, etc.

Business Purpose for Which This Information is Used: The information may be used to perform the credit approval process, predict anticipated collections on an account, complete all actions needed to take assignment of a retail installment contract, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Credit reporting agencies, consumer verification service providers, communication service providers, third party lenders, software vendors, and government entities where required by law

 

Inferences from the Above-Identified Information: All of the above categories of information are used to create a profile reflecting and/or predicting behavior, predispositions, characteristics, and abilities.

Business Purpose for Which This Information is Used: The information may be used to perform the credit approval process, predict anticipated collections on an account, complete all actions needed to take assignment of a retail installment contract, to communicate with you, and to use the information as needed in the course of an ongoing customer relationship and to service an account, as permitted by state and federal law.

May We Disclose This Category of Information for a Business Purpose: Yes

Categories of Entities to Whom this Information May be Disclosed: Automobile dealers, third party lenders, software vendors, and government entities where required by law

 

Credit Acceptance may collect your personal information from the following categories of sources:
  • From you directly

  • From credit reporting agencies

  • From automobile dealers and third party websites used by automobile dealers to generate customer leads

  • From collection service providers

  • From consumer verification service providers

  • From bank verification service providers

  • From payment processing service providers,

  • From lien and titling vendors,

  • From data analytics service providers

  • From communication service providers

  • From web service and software providers

  • From government entities

 

Credit Acceptance does not sell consumer personal information in exchange for monetary or other valuable consideration.

Credit Acceptance does not share consumer personal information with third parties for any non-business purpose that does not relate to the originating or servicing of an account, or the processing of an application for credit.

Credit Acceptance does not knowingly collect the personal information of any consumer 16 years old or younger.

 

For more information on our business practices regarding the collection, maintenance, and sale of personal information, please view our Website User Agreement and Privacy Statement at http://www.creditacceptance.com/website-user-agreement-and-privacy-statement, and our privacy notice at https://www.creditacceptance.com/privacy-notice

 

This policy was last updated 06/22/2020.

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