Online Privacy Policy
Prime
Acceptance Corporation has many procedures and policies in
place to safeguard our users' privacy. The follow sections
explain how we accomplish this.
Information
We Collect
Non-personal information is automatically collected from all
visitors to our web site. This data regards Internet browser
type and version, IP address, referring website, and basic
browser settings. This information helps us determine what
content our visitors are looking for, and for ways that we
can improve upon their online experience.
We do not disclose any nonpublic personal information about
our customers or former customers to anyone, except as permitted
by law. IT IS PERMISSIBLE FOR US TO REPORT YOUR CREDITWORTHINESS
AND CREDIT HISTORY ESTABLISHED ON YOUR ACCOUNT TO CONSUMER
REPORTING AGENCIES.
We restrict access to nonpublic personal information about
you to those employees who need to know that information to
provide our services to you. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations
to guard your nonpublic personal information.
Information Our Users Give Us
During registration, users will be required to provide us
with a valid email address. This is used solely to communicate
with that user in regards to online transactions or account
maintenance requests. At no time is this address shared with
third parties. A user will receive an email notification when
requesting a lost password, changing a password, or upon making
a payment on their account.
Information such as zip code is used along with account number
and name to help determine a users’ identity during
the registration process. This is compared to the information
we have on file for such account. This information was provided
to us when the contract was initially entered into our system
or updated upon request via mail or telephone by the account
holder or an authorized representative.
Sensitive payment information presented to us is stored only
momentarily for verification and approval by the user. After
submitted, it is offloaded to a secure server which is inaccessible
from the Internet. This is explained in the Security section
of this document.
Date and time information is stored to record account login
history. This information is used by us in the event of an
unauthorized login to an account.
Cookies
A small amount of impersonal information is stored as a browser
“cookie” when logged in to our site. This allows
us to differentiate between simultaneous users of our website.
No personal information is stored in this cookie, and under
normal circumstances it will disappear when closing the web
browser.
Security
We maintain numerous physical, electronic, and procedural
safeguards to protect personal information.
All personal information communications between a web browser
and our server utilize industry-standard Secure Sockets Layer
(SSL) technology. This ensures that the information we present
to our customer can be trusted that it came directly from
us, as well as was encrypted during communication.
A user should ensure that their username and password are
kept safe and confidential. To protect against “brute
force” attacks, we have procedures in place that will
disable an account login if a number of unsuccessful login
attempts occur. Once this happens, a user will need to contact
our customer service department before being allowed to login
again.
Payment information is submitted to us utilizing SSL encryption
technology. After this information is submitted to us it is
immediately offloaded to a proprietary server which is inaccessible
from the Internet. This data cannot be seen or modified from
the Internet after this time.
Important
Notice: Federal Fair Credit Billing Act Statement of Rights
In Case of Errors or Inquiries About Your Bill
The Federal
Truth in Lending Act requires prompt correction of billing
mistakes.
- If
you want to preserve your rights under the Act, here's what
to do if you think your bill is wrong or if you need more
information about an item on your bill:
- Write
on the bill or on a separate sheet of paper the following:
- Your
name and account number.
- Describe
the error and why you believe it is an error. If
you need only more information, explain the item
you are not sure about, and if you wish, ask for
evidence of the charge such as a copy of the charge
slip. Do not send in your copy of a sales slip or
other document unless you have a duplicate copy
for your records.
- The
dollar amount of the suspected error.
- Any
other information (such as your address) which you
think will help the creditor to identify you or
the reason for your complaint or inquiry.
- Send
your billing error notice to the address on your bill.
Mail it as soon as you can, but in any case early enough
to reach the creditor within 60 days after the bill
was mailed to you.
- The
creditor must acknowledge all letters pointing out possible
errors within 30 days of receipt, unless the creditor is
able to correct your bill during that 30 days. Within 90
days after receiving your letter, the creditor must either
correct the error or show why the creditor believes the
bill was correct. Once the creditor has explained the bill,
the creditor has no further obligation to you even though
you still believe there is an error, except as provided
in paragraph 5 below.
- After
the creditor has been notified, neither the creditor nor
an attorney nor a collection agency may send you letters
or take other collection action with respect to the amount
in dispute; but periodic statements may be sent to you,
and the disputed amount can be applied against your credit
limit. You cannot be threatened with damage to your credit
rating or sued for the amount in question, nor can the disputed
amount be reported to a credit bureau or to other creditors
as delinquent until the creditor has answered your inquiry.
However, you remain obligated to pay the parts of your bill
not in dispute.
- If
it is determined that the creditor has made a mistake on
your bill, you will not have to pay any finance charges
on any disputed amount. If it turns out that the creditor
has not made an error, you may have to pay finance charges
on the amount in dispute, and you will have to make up any
missed minimum or required payments on the disputed amount.
Unless you have agreed that your bill was correct, the creditor
must send you a written notification of what you owe; and
if it is determined that the creditor did make a mistake
in billing the disputed amount, you must be given the time
to pay which you normally are given to pay undisputed amounts
before any more finance charges or late payment charges
on the disputed amount can be charged to you.
- If
the creditor's explanation does not satisfy you and you
notify the creditor within 10 days after you receive their
explanation that you still refuse to pay the disputed amount,
the creditor may report you to credit bureaus and other
creditors and may pursue regular collection procedures.
But the creditor must also report that you think you do
not owe the money, and the creditor must let you know to
whom such reports were made. Once the matter has been settled
between you and the creditor, the creditor must notify those
to whom the creditor reported you as delinquent of the subsequent
resolution.
- If
the creditor does not follow these rules, the creditor is
not allowed to collect the first $50 of the disputed amount
and finance charges, even if the bill turns out to be correct.
General
Terms Amendments / Addendum
Telephone
Communications: If you provide us with a
cell phone number as a point of contact for your Account,
you agree and expressly authorize that we may call that number
with autodialing equipment or prerecorded service messages,
notwithstanding any state or federal law or regulation that
could otherwise prevent us from doing so.
Returned
Remittance Fees: If any remittance is not honored upon presentation
we may charge your account an amount not exceeding the maximum
amount authorized to be charged by law with respect to dishonored
checks or automated clearing hours (ACH) payments.
This document
is in addendum to the privacy policy set forth and provided
when an account was established. An additional copy can be
obtained by writing to us at:
Prime
Acceptance Corp.
Ste. 720
200 W. Jackson Blvd.
Chicago, IL 60606
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