EFFECTIVE DATE: June 1, 2022
Information We Collect About You
We collect information directly from you and from our Business Partners about you as you use the Site and Services. “Business Partners” means credit unions, our affiliates, service providers, and other businesses we work with to provide products and services.
Information We Collect Directly From You
When You Apply for a Product. We collect information, including personal information, directly from you when you visit this Site, such as when you become a member (e.g., register); purchase products through this Site and request information through this Site. When you register with our Site, we will collect your name and your email address, at a minimum. If you choose to apply for a Vehicle Service Contract or Mechanical Breakdown Contract, we will collect information about your vehicle, including make and model, age of vehicle, mileage of vehicle, Vehicle Identification Number (VIN), or similar information. We also will collect billing and contact information. You may provide us personal information over the phone. If you provide this information to us and are a registered member, then we may maintain this information as part of your profile.
Surveys and Focus Groups. From time to time, we may invite you to participate in a survey or a focus group. We will collect the responses you provide and aggregate them with those of other participants.
User Generated Content. Portions of our Site allow you to submit your own content. We may use the information you submit in those portions with other information we have collected about you. Any information you post to our site, such as to a blog or a forum, may be viewable by any other visitor to our Site. We are not responsible for the privacy of any information you choose to post to our Site, or for the accuracy of any information contained in those postings.
Contacting Us. If you contact us via this Site, email, phone, or other means, we will collect the information that you provide to us during that contact and we may combine it with other information that we maintain about you.
Business Partners. We collect information about the claims you make under the Vehicle Service Contract or Mechanical Breakdown Contract. We use this information for analytical purposes to improve our offerings and to gain customer feedback.
We take precautions to protect your information. When you submit information via the website, your information is protected both online and offline. Whenever we collect information such as credit card data, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser or looking for “https” at the beginning of the address of the webpage. While we use encryption to protect information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personal information. The computers/servers in which we store personal information are kept in a secure environment. If you have any questions about the security of your personal information, you can contact us at [email protected].
How We Use Your Information
We use the information that you provide to us through this Site, including your personal information for the following purposes:
- To provide the Site and Services to you, to communicate with you about your use of the Services available on the Site, your use of the Site, and for other customer services purposes;
- To record your automobile preferences;
- To issue invoices, administer accounts, collect and process payments;
- To provide tips or guidance on how to use the Site, inform you of new features on this Site or provide other information that may be of interest to users;
- To personalize the service we provide to you, tailor your experience at the Site to your interests and make more appropriate recommendations;
- To send you emails, personalized offers and other promotions about products and services that we believe would be of interest to you, and other communications about the products and services you have purchased or available by MyCarmaCare; with your consent, we also may contact you with SMS text messages;
- To manage our Site, diagnose technical problems, improve content and allocate the resources of our systems so that your experience with our Site is as efficient as possible;
- To process and track your transactions;
- To develop, enhance, market, sell or provide Services, or those of companies with which we have a commercial relationship;
- To investigate, detect and protect us and other Business Partners against error, negligence, breach of contract, fraud, theft and other illegal activities;
- To facilitate a corporate transaction in connection with the sale, merger, spin-off or other corporate reorganization of our corporation, where the information is provided to the new controlling entity in regular course of business;
- To audit compliance with our policies and contractual obligations;
- To improve the Site and Services;
- As permitted by, and to comply with, any legal or regulatory requirements or provisions; or
- For any other purpose to which you consent.
Sharing Your Information
Vehicle Service Contract Providers/Financing Companies/Joint Marketing Partners. The Vehicle Service Contracts, Mechanical Breakdown Contract and ancillary products made available through this Site are provided by our Business Partners. We will share information we collect about you with those parties, which will use the information to facilitate our ability to provide the Services you purchase from us.
If you choose to finance your product, we will provide your information to a separate Business Partner, which will collect payment from you and handle the financing of your purchase. Also, we may jointly market other products and services on this Site with other companies. If you choose to purchase a product or service with a company we collaborate with on this Site, we will share personal information that is necessary for these companies to provide those products or services. This policy does not cover the use of your personal information by these other companies. Please review their privacy policies for a description of how they may use the information that we share about you.
Service Providers. We will disclose the information we collect about you to Business Partners, including vendors, service providers, contractors or agents who perform functions on our behalf. For example, these Business Partners may assist us in directing traffic to our Site, managing our Site and our Services, providing customer service, delivering contracts, shipping items, processing credit cards, for research, marketing, data processing or to verify your identity and your VIN number. These companies are contractually bound not to use your personal information except as necessary to provide these services, and they may not sell your data.
We also may share your information for the following reasons:
Business Transfers. If we are acquired by or merged with another company, if substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding, we may transfer the information we have collected about you to the acquiring company. You will be notified via email and/or a prominent notice on our website, of any change in ownership, material uses of your personal information, and choices you may have regarding your personal information that result from a business transfer.
In Response to Legal Process. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We also may disclose the information that we collect about you to comply with the law, a judicial proceeding, court order or other legal process, such as in response to a subpoena.
Cookies and Other Tracking Technologies
Cookies. Cookies allow a web server to transfer data to a computer for recordkeeping and other purposes. We and our service providers use “cookies” on this Site to, among other things, better serve you with tailored information and facilitate your ongoing access to and use of the Site. There are two types of cookies: session-based and persistent cookies.
Session Cookies. Session cookies exist only during an online session. They disappear from your computer when you close your browser or turn off your computer. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged in to the Site. This allows us to process your online transactions and requests and verify your identity, after you have logged in, as you move through this Site.
Persistent cookies. Persistent cookies remain on your computer after you have closed your browser or turned off your computer. We use persistent cookies to track aggregate and statistical information about user activity, which may be combined with other user information.
Third-Party Cookies. We also engage third parties to serve advertisements tailored to your interests. To do so, we may permit third parties to apply cookies to users of our Site, which you may opt-out of as described above and below. We also use the data collected by such third parties to help us administer and improve the quality of the Site and to analyze site usage. Such third parties may combine the information that we provide about you with other information that they have collected.
Web Beacons, Pixel Tags and Other Technologies. We use web beacons, such as clear GIFs, web bugs or pixel tags, which are tiny graphics with a unique identifier similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs in connection with our Site to, among other things, track the activities of website visitors, help us manage content, and compile statistics about website usage, and tailor advertisements to your interests. We and our service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, measure the success of our marketing campaigns, identify when our emails are viewed and track whether our emails are forwarded. We use technologies such as scripts in analyzing trends, administering the website and tracking users’ movements around the site. We may receive reports based on the use of these technologies by these companies on an individual and aggregated basis.
Disabling Cookies. Most web browsers automatically accept cookies, but if you prefer you can edit your browser options to block them in future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to this Site who disable their web browsers’ ability to accept cookies will be able to browse the Site; however, many site features, such as certain Services will not function properly if you do not accept cookies.
Site Analytics. As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve site functionality.
You may Opt-Out of Many Third-Party Ad Networks. This website provides information regarding this practice by Network Advertising Initiative (“NAI”) members, and your choices regarding having this information used by these companies, including how to “opt-out” of third-party ad networks operated by NAI members. You also may contact Direct Advertising Alliance (“DAA”) at HTTPS://WWW.ABOUTADS.INFO/CHOICES/ or information about opting out of targeted advertising and your choices regarding having information used by DAA member companies, including how to “opt-out” of third-party ad networks operated by DAA members. Opting out of one or more NAI members or About Ad members (many of which will be the same) only means that those members no longer will deliver targeted content or ads to you, but it does not mean you will no longer receive any targeted content or ads on our Sites or other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing. Also, if your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different computer or change web browsers, your NAI or DAA opt-out may no longer, be effective. Additional information is available on NAI’s and DAA’s websites accessible by the above links.
When We Advertise on Third-Party Sites. When you visit a site on which we advertise and click through our advertisement, we may place cookies on your computer or use pixel tags.
Do Not Track. We do not currently support the capability to respond to web browser “do not track” signals.
Google Analytics. We use a tool called “Google Analytics” to collect information about use of our website. This tool uses persistent cookies to allow us to see behavior information relating to visitor age, gender and interests. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using Google’s Ad Settings (opens in a new window). You can opt out of Google Analytics without affecting how you visit our website. For more information on opting out of Google Analytics tracking, visit this Google Page (opens in a new window).
Social Media Widgets. Our website includes Social Media Features, such as the Facebook Like button, and Widgets, such as the Share this button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.
How to Access, Modify or Close Your Account
Upon request, we will provide you with information about whether we hold any of your personal information. You may opt-out of receiving email communications from us by following the instructions contained in the email. You also may modify your communications preferences by accessing your account. You may correct, update, amend, delete/remove or modify the information in your account by logging into your account or by emailing our Customer Support at [email protected]. We will respond to your request to access within a reasonable timeframe. If you request that we close your account, we will promptly do so, to the extent possible. Once your account is closed, however, you will not be able to use many of the services available on our Site to Members, unless you re-register. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Children and minors
We do not knowingly collect personal information directly from individuals under 17 years of age. Our services are not intended for individuals under 17 years of age. No one under 17 years of age should submit or post personal information through our services. We may collect personal information regarding individuals under 17 years of age from their parents or legal guardians, but only as necessary to provide our products and services.
This website is based and administered in the United States of America. The website is governed by the laws of the United States and is not directed at users based outside of the United States.