• Privacy Policy

     

    Following is Sierra Auto Finance’s Privacy Notice explaining how we collect, use and protect your information. Please read the entire Privacy Notice, including any supplements, by simply scrolling through the document.

    Privacy Notice
    Sierra Auto Finance (“Sierra”) is committed to respecting the individual rights of our customers. In accordance with the Gramm-Leach-Bliley Act, we are sending you this annual notice to inform you of how we may use information about your account.

    Why We Collect Customer Information:
    We collect customer information to identify you, confirm facts about you, deliver financial products and services to you, and help us assess requests for financial products and services.

    Customer Information We Collect:
    We get customer information from a variety of sources, such as: (Top)

    • Information we receive from you on applications and other forms including name, address, social security number, assets, and income.

    • Information about your transactions with us, such as account balances and payment history.

    • Information obtained when verifying the information you provide on an application or other forms, such as current or past employers, or from other institutions where you conduct financial transactions.

    • Information we receive from consumer reporting agencies such as creditworthiness and credit history.

    • Information obtained from non-affiliated third parties about your transactions with them.

    We May Share Non-Public Personal Information About You With the Following Types of Affiliates and Non-Affiliated Third Parties: (Top)

    • Non-affiliated financial service providers, such as mortgage bankers, credit card issuers, insurance companies, and insurance agents.

    • Non-affiliated non-financial companies, such as manufacturers, motor vehicle dealers, retailers, direct marketers, telecommunications companies, airlines, and publishers.

    • Sierra’s affiliated companies, which is a group of companies related to us by common control or ownership.

    We may share the same kinds of information as described above about our former customers with the same types of affiliates and third parties as described above.

    We may also share non-public personal information about current and former customers with affiliates and non-affiliated third parties as permitted or required by law.

    Your Opt-Out Right: (Top)
    Customers who do not want Sierra share non-public personal information about them with affiliates and non-affiliated third parties may opt out of information sharing, unless otherwise permitted or required by law. If an account is shared, either party may opt out for both of them. To opt out, please call Customer Service at 855-894-2988.

    Residents of North Dakota and Vermont (Top)
    Except for information your state laws allow or require us to share without your specific consent or notice, Sierra will not share non-public personal information with any affiliate, non-affiliate, outside marketer, or non-affiliate joint marketer without your written consent.

    Residents of California (Top)
    Except for information your state laws allow or requires us to share without your specific consent or notice, Sierra will not share non-public personal information with any non-affiliate, outside marketer, or non-affiliate joint marketer without your written consent.

    Residents of Texas (Top)
    Sierra is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against us should contact the Office of Consumer Credit Commissioner through one of the means indicated below:

    • In Person or U.S. Mail: 2601 North Lamar Boulevard. Austin, TX 78705-4207

    • Telephone: 1-800-538-1579

    • Fax: 1-512-936-7610

    • Web site: www.occc.state.tx.us

    • Email: consumer.complaints@occc.state.tx.us

    How We Educate Our Employees on Their Role in Protecting Your Privacy (Top)
    Sierra takes customer privacy seriously. We restrict access to protected information to those employees who need to know that information in order to provide service to you or to process your transactions with us.

    Privacy Notice – Online Supplement

    This section describes Sierra’s practices regarding information we receive about you during visits to this web site. The amount and type of information we receive depends on how you use this site. Please take a few minutes to read our complete Financial Privacy Notice so you may understand how your personal information is used and the measures we take to protect your personal information.

    Normal Web Site Usage: (Top)
    You can visit our web site to read product, investment, and company information, or use our on-line tools without revealing any personal information. The only information we collect and store during normal web site usage is the name of your Internet service provider, the web site you last visited, the pages you request, the date and time of those requests and the number of visits you made to our website.

    We use this information to generate statistics and measure website activity in order to improve the usefulness of customer visits to our website. This same information may be shared with third parties in order to provide these services or to analyze, store, or aggregate the information. It may also be shared with other third parties, working with us to improve the services of Sierra Auto Finance or our website. During normal web site usage, we do not collect or store personally identifiable information such as name, mailing address, email address, phone number, or Social Security number.

    On-Line Collection of Personally Identifiable Information: (Top)
    Occasionally, Sierra will request personally identifiable information in order to provide the web site visitor with a service or correspondence (e.g., promotions and mailed brochures). This information, such as name, mailing address, email address, type of request, and possibly additional information, is collected and stored in a manner appropriate to the nature of the request as determined by Sierra and is used to fulfill your request. Whenever we request such information, we will clearly explain how it will be used. If you tell us that the information should not be used as a basis for further contact, we will respect your request. The information you provide is used by Sierra to improve the services we provide you. This information may also be provided to agencies for use on behalf of Sierra in accordance with our Privacy Notice. However, it is never provided or sold to any other company for that company's independent use.

    Please note that Sierra’s website may provide links to third party sites not controlled by Sierra. We suggest that you check the specific Privacy Notices of any site before providing any personally identifiable information.

    Electronic Mail Sent to Us That Contains Personal Information: (Top)
    Internet users may decide to send Sierra personally identifying information, for example, in an electronic mail message containing information about your Sierra account. Sierra will only use this information to identify the user as a Sierra customer and to determine how to respond to the electronic mail. We will use this information for the purpose identified in the email message and to enhance our understanding of you in order to improve our services to you.

    Sierra Auto Finance’s Internet Services: (Top)
    To use Sierra’s Internet services, we require a certain amount of personally identifying information (e.g., name, Social Security number, account number and other applicable information) we can use to verify you as a Sierra customer. We use this to identify and access data in the existing relationship we have with you in order to provide you with the requested services. We request email addresses as an alternate means of contacting you. Providing your email address is optional, except when you request an Internet delivered service, then it is necessary for us to have your email address in order to honor your request. We may also use this information to enhance our understanding of you and improve our services.

    What Are Cookies? (Top)
    A “cookie” is a small line of text that is stored within your browser when you visit a cookie-enabled website. As you browse the Web, cookie-enabled sites will send cookies to your browser, along with pages. Your browser probably has options that will let you control whether the browser accepts cookies, rejects cookies, or notifies you each time a cookie is sent to you.

    If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but it also makes it very difficult to offer you customized services. It is also less secure than using cookies, because all of your specific data must be sent to the website each time you view a page. Accepting cookies means your private data can stay at the Web server, and the only information transmitted over the Internet is your ID cookie.

    If your browser is set to accept cookies, any cookies that are sent to your browser are stored in your computer for a period of time. There are a few different types of cookies. A “session” cookie is stored only in your computer’s working memory (RAM) and only lasts for your browsing session. When you close all of your browser’s windows, or when you shut down your computer, the session cookie disappears forever. A “permanent” cookie is stored on your computer's hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until either a) they expire, b) they are overwritten with newer cookies, c) you manually remove them.

    We use permanent cookies to supply visitors to our site with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid in your navigation and use of the site, to develop generic web site metrics and other similar uses.

    Questions? (Top)
    Our privacy practices are designed to provide a high level of protection for your personal information and our systems. If you have any questions or comments about Sierra’s Online Privacy Practices, you can contact us via E-mail: CustomerCare@sierraautofinance.com

    Changes: (Top)
    We reserve the right to change our Privacy Notice On-Line Supplement. A revised On-Line Privacy Notice Supplement only applies to data collected subsequent to its effective date. Any revisions will be posted at least 10 days prior to its effective date.

  • Mobile Privacy Policy

     

    Privacy Policy of Sierra Auto Finance - Customer Mobile App


    This Application collects some Personal Data from its Users.

    Policy summary (Top)
    Personal Data collected for the following purposes and using the following services:

    Analytics (Top)

    • Analytics collected directly

    • Personal Data: Cookie and Usage Data

    Registration and authentication (Top)

    • Direct registration

    • Personal Data: Email and ZIP/Postal code


    Full policy (Top)

    Data Controller and Owner (Top)

    Types of Data collected (Top)
    Among the types of Personal Data that this Application collects, by itself or through third parties, there are: Email, ZIP/Postal code, Cookie and Usage Data.

    Other Personal Data collected may be described in other sections of this privacy policy or by dedicated explanation text contextually with the Data collection.

    The Personal Data may be freely provided by the User, or collected automatically when using this Application.

    Any use of Cookies - or of other tracking tools - by the Application or by the owners of third party services used by this Application, unless stated otherwise, serves to identify Users and remember their preferences, for the sole purpose of providing the service required by the User.

    Failure to provide certain Personal Data may make it impossible for this Application to provide its services.

    The User assumes responsibility for the Personal Data of third parties published or shared through this Application and declares to have the right to communicate or broadcast them, thus relieving the Data Controller of all responsibility.

    Mode and place of processing the Data (Top)

    Method of processing (Top)
    The Data Controller processes the Data of Users in proper manner and shall take appropriate security measures to prevent unauthorized access, disclosure, modification or unauthorized destruction of the Data.

    Access to the Data may be available to Data Processors such as employees involved with the processing or to external parties providing services to the Data Controller, third party technical service providers, mail carriers, hosting providers, IT companies, communication agencies. The updated list of these parties may be requested from the Data Controller at any time.

    Place (Top)
    The Data is processed at the Data Controller headquarters, unless stated otherwise in the rest of this document.

    Conservation Time (Top)
    The Data is kept for the time necessary to provide the service requested by the User, or stated by the purposes outlined in this document, and the User can always request the Data Controller for their suspension or removal.

    The use of the collected Data (Top)
    The Data concerning the User is collected to allow the Application to provide its services, as well as for the following purposes: Registration and authentication and Analytics.

    The Personal Data used for each purpose is outlined in the specific sections of this document.

    Detailed information on the processing of Personal Data Personal Data is collected for the following purposes and using the following services:

    • Analytics

    The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

    Analytics collected directly

    This Application uses an internal analytics system that does not involve third parties.

    Personal Data collected: Cookie and Usage Data.

    We may disclose User Provided and Automatically Collected Information

    • As required by law, such as to comply with a subpoena, or similar legal process;

    • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;

    • With our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.

    Registration and authentication (Top)
    By registering or authenticating, Users allow this Application to identify them and give them access to dedicated services.

    Depending on what is described below, third parties may provide registration and authentication services.

    In this case, this Application will be able to access some Data, stored by these third party services, for registration or identification purposes.

    Direct registration (Top)
    The User registers by filling out the registration form and providing the Personal Data directly to this Application.

    Personal Data collected: Email and ZIP/Postal code.

    Additional information about Data collection and processing

    Legal Action (Top)
    The User's Personal Data may be used for legal purposes by the Data Controller, in Court or in the stages leading to possible legal action arising from improper use of this Application or the related services.

    Additional Information about User's Personal Data

    In addition to the information in this privacy policy, this Application may provide the User with contextual information concerning particular services or the collection and processing of Personal Data.


    System Logs and Maintenance (Top)
    For operation and maintenance purposes, this Application and any third party services may collect files that record interaction with this Application (System Logs) or use for this purpose other Personal Data (such as IP Address).

    Information not contained in this policy (Top)
    More details concerning the collection or processing of Personal Data may be requested from the Data Controller at any time at its contact information.

    The rights of Users (Top)
    Users have the right, at any time, to know whether their Personal Data has been stored and can consult the Data Controller to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.

    Changes to this privacy policy (Top)
    The Data Controller reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any of the changes to the Policy, the User must cease using this Application and can request the Data Controller to erase the Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the Data Controller has about Users.

    Information about this privacy policy (Top)
    The Data Controller is responsible for this privacy policy.

    Definitions and legal references (Top)

    Personal Data (or Data) (Top)

    Any information regarding a natural person, a legal person, an institution or an association, which is, or can be, identified, even indirectly, by reference to any other information, including a personal identification number.

    Usage Data (Top)

    Information collected automatically from this Application (or third party services employed in this Application ), which can include: the IP addresses or domain names of the computers utilized by the Users who use this Application, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User's IT environment.

    User (Top)

    The individual using this Application, which must coincide with or be authorized by the Data Subject, to whom the Personal Data refer.

    Data Subject (Top)

    The legal or natural person to whom the Personal Data refers to.

    Data Processor (Top)

    The natural person, legal person, public administration or any other body, association or organization authorized by the Data Controller to process the Personal Data in compliance with this privacy policy.

    Data Controller (or Application Owner, or Owner) (Top)

    The natural person, legal person, public administration or any other body, association or organization with the right, also jointly with another Data Controller, to make decisions regarding the purposes, and the methods of processing of Personal Data and the means used, including the security measures concerning the operation and use of this Application. The Data Controller, unless otherwise specified, is the Owner of this Application.

    This Application (Top)

    The hardware or software tool by which the User Personal Data is collected.

    Cookie (Top)

    Small piece of data stored in the User's device.

    Legal information (Top)
    Notice to European Users: this privacy statement has been prepared in fulfillment of the obligations under Art. 10 of EC Directive n. 95/46/EC, and under the provisions of Directive 2002/58/EC, as revised by Directive 2009/136/EC, on the subject of Cookies.

    This privacy policy is solely about this Application.