Oregon Consumer Privacy Notice

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

• The right to know whether your personal data has been processed or is being processed, and the categories of personal data that has been processed or is being processed;

• The right to know a list of third parties, other than natural persons, to whom your personal data has been disclosed;

• The right to request a copy of your personal data that has been processed or is being processed;

• The right to request the correction of inaccuracies in your personal data;

• The right to request deletion of your personal data;

• The right to opt out of the processing of your personal data for targeted advertising, sale, or profiling (as that is defined in the OCPA); and

• The right to appeal a response to any of the above requests.

 

If you are a Oregon resident seeking to make a Request to Know, Request to Delete, Request to Correct, or Request to Opt Out, those requests can be made by completing the following web form, located here, or by calling 800.461.9771

In order to process your Request to Know, Request to Delete, Request to Correct, and Request to Opt Out 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, Requests to Delete, Requests to Correct, and Requests to Opt Out 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.

 

If you wish to make a Request to Know, Request to Delete, Request to Correct, or Request to Opt Out on behalf of someone that is subject to a guardianship, conservatorship, or other protective arrangement, you must submit the request to the mailing address or e-mail address specified above, and include a copy of the guardianship, conservatorship, or protective arrangement issued by a court form If you wish to make a Request to Know, Request to Delete, Request to Correct, or Request to Opt Out on behalf of someone that is subject to a guardianship, conservatorship, or other protective arrangement, you must submit the request to the mailing address or e-mail address specified above, and include a copy of the guardianship, conservatorship, or protective arrangement issued by a court.

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.

 

If you previously submitted a Request to Know, Request to Delete, Request to Correct, or Request to Opt Out and disagree with our response/decision, you can appeal the response/decision by completing the following web form, located here, or by calling 800.461.9771

You can also submit an appeal 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

 

If you have questions concerning how to make a Request to Know, Request to Delete, Requests to Correct, or Requests to Opt Out, or if you have questions concerning Credit Acceptance’s privacy policy and practices, please call:  800.461.9771

 

*Note: The OCPA does not apply to consumer information collected, processed, sold, or disclosed under, and in accordance with, the Gramm-Leach-Bliley Act (GLBA). This includes all consumer information collected for a financial product or service for personal, family, or household purposes.

For consumers applying for credit, or financing a vehicle, through Credit Acceptance, all consumer 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.

For consumers applying for credit, or financing a vehicle, through Credit Acceptance, all consumer 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.

 

Credit Acceptance Corporation may collect the following categories of personal information from you, and may process 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

May We Share/Disclose This Category of Information to Third Parties for a Business Purpose: 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.

 

Sensitive Information: This category includes, but is not limited to, citizen or immigration status, and status as a victim of a crime.

Purpose for Which This Information is Collected and Processed: The information may be used to verify identity 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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, business information, etc.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: No

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose:Software vendors, communication service providers, and government entities where required by law.

 

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

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: The information may be used to verify identity, 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: 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.

Purpose for Which This Information is Collected and Processed: 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 Share/Disclose This Category of Information to Third Parties for a Business Purpose: Yes

Categories of Third Parties to Whom this Information May be Shared/Disclosed for a Business Purpose: Automobile dealers, third party lenders, software vendors, and government entities where required by law.

Automobile dealers, third party lenders, software vendors, and government entities where required by law.

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

For consumers applying for credit or financing a vehicle, 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.

Credit Acceptance retains each of the above-listed categories of information for as long as required to fulfill business needs and satisfy legal obligations.

 

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 06/01/2024.