PRIVACY POLICY

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EMERSON AUTO FINANCE - PRIVACY POLICY

Phone: (480) 699-0884

DEAR VALUED CUSTOMER:

Our company respects your concern for privacy. Our goal is to respond to your

inquiries, to provide better customer service, and to provide products, services, and

other promotional information that you request and that we believe may help meet your

needs or be of interest to you. However, we recognize that we have an important

responsibility to protect that privacy and security of the nonpublic personal information

we collect from you. Therefore, we want you to understand our information sharing

practices and for you to know that they are designed to meet strict legal requirements

and ensure the confidentiality of your information.

Text Messages and Other Communications to a Telephone

You authorize us to contact you, including by sending text messages directly or through a

conduit text messaging service and other communications to a cell phone using an automatic

telephone dialing system or an artificial or prerecorded voice message, at any number you

provide. You acknowledge that any text messages or prerecorded messages sent by us may

contain sales or marketing content. You may revoke your consent for us to contact you at a

specified telephone number by communicating your revocation to us through any reasonable

means. Message and data rates may apply, Message frequency may vary. Reply STOP to opt

out. Mobile information gathered in Opt In or SMS campaigns will not be shared with Third

Parties or affiliates for Marketing or any other purpose. The Texting Service Providers, Cell

phone carriers E.g. T-Mobile, Verizon, AT&T etc are not liable for delayed or undelivered

messages”

THE TYPE OF INFORMATION WE COLLECT

The type of information that we collect depends upon the product or service that we are

providing to you or that you are asking about. We collect information that you provide to

us on applications and other forms; information about your transactions with us, our

affiliates, or others; and information that is provided to us by third parties including credit

reporting agencies, individual referenced services public record data bases, and other

recognized providers of nonpublic personal information.

The information we collect May include identifying information such as your name,

address, birth date, social security number, and other information on how to contact

you; your credit worthiness, credit score and credit history, as well as transaction

information such as account activity and loan terms. We may also collect financial

information such as your income, assets and employment status, information about your

spouse or dependents, and/or certain demographic information. If you apply for an

insurance product, we may collect limited health information on your application.

HOW WE TREAT THE INFORMATION

Our company is committed to the security and confidentiality of your nonpublic personal

information. We do not disclose, nor do we reserve the right to disclose, any nonpublic

personal information about our customers or former customers to anyone, except as

authorized by you or as otherwise permitted by law In addition to reasonable physical,

procedural and electronic security measures, our security practices include limiting

access to this information to those employees and business associates with appropriate

authority and for intended business purposes only. We explain the importance of

protecting your nonpublic personal information to our employees and take appropriate

measures to enforce employee responsibilities regarding our Privacy Policy.

DISCLOSURES TO AFFILIATED ENTITIES

We may share the information we collect, as listed above, with affiliated entities. You

have a right to prevent the sharing of information, except for the sharing of information

relating solely to your transactions with us (such as your payment history) or our

experiences with you. If you do not want us to share this information with our affiliates,

please let us know.

DISCLOSURES TO NON-AFFILIATED ENTITIES

We may share the information we collect, as listed above, to non-affiliated third parties

for the purpose of offering products and services that may be of value to you.

Organizations that may receive your information include, but are not limited to financial

institutions such as motor vehicle lenders or lessors, mortgage brokers and insurance

agents, non-financial companies, such as retailers, publishers and direct marketers,

providers of aftermarket products such as Guaranteed Automobile Protection products,

warranties and service contracts, and others such as trade associations and nonprofit

organizations. In addition, we may disclose certain information to affiliates and

nonaffiliated third parties, as applicable and as permitted or required by law or court

order. We will disclose such information only with

organizations that agree to treat it confidentially and to use it only for the purposes

intended.