Your Privacy Rights, Online Privacy Policy

Interstate Auto Group, Inc. d/b/a CarHop (“CarHop”) and Universal Acceptance Corporation d/b/a CarHop Finance, together and their subsidiaries* (collectively “CarHop”) are committed to ensuring that your online privacy is protected. This online privacy policy is designed to provide you with information regarding our website privacy practices. CarHop and/or its subsidiaries are sometimes referred to in this policy as the “company,” “we,” “us” or “our.” The term “you,” “your” or “yourself” refers to the user or viewer of our website.

Downloadable Privacy Documents

• CarHop – Privacy Notice
• CarHop – Supplement-California Privacy Notice
• UAC/CarHop Finance Privacy Notice
• UAC/CarHop Finance California Financial Privacy Opt-Out

About Our Online Privacy Policy

The goal of our website is to provide you with a great online experience, provide information regarding our company, products and services, and to enable us to respond to your inquiries, applications and requests. This policy explains:

• The type of information we may collect about you via our website
• How we may use that information
• With whom that information may be shared
• How we protect the information we collect about you
• What choices are available to you regarding your information
• How you can contact us regarding this policy and your personal information
• What if you have a complaint on the website, mobile site, application, and/or other services or content

This policy applies to personally and non-personally identifiable information collected only online via www.carhop.com/finance and any other company website on which this policy is posted. This policy does not apply to information collected by the company through any other means. This online privacy policy governs each website, mobile site, application, and/or other services, regardless of how the Company chooses to distribute or transmit information, each is considered a “Service”.

When this policy uses the term “personally identifiable information” or “personal information,” we mean information that identifies a particular individual, such as the individual’s first or last name, postal address, e-mail address, telephone number, Social Security number, or any other information that permits the physical or online contacting of you. When other information is directly associated with personally identifiable information, this other information also becomes personally identifiable information for purposes of this policy.

If you are a California resident, please see “California Privacy Rights” below for a statement regarding your specific rights under California privacy laws.

Your Consent

Please be sure to read this entire policy carefully before using or submitting personal information via our website. Access to this policy can be accessed in the footer of CarHop’s home page or main screen. When you access, use or submit personal information via our website, you consent to the collection, processing, use, and disclosure of your personal information in accordance with this policy. If you do not agree with the conditions of this privacy policy, you may not access, visit or use the service.

The Type of Information We May Collect

Personal Information

In general, you can visit our website without telling us who you are or revealing any personal information about yourself. The company does, however, offer website visitors the opportunity to contact, communicate and transact business with us directly via our website. If you choose to take advantage of any of these opportunities, we may ask that you voluntarily provide us with personal information to facilitate the communication or transaction. By entering personal information, you guarantee that the information is accurate, complete and up to date. If any of your contact or personal information changes it is your responsibility to promptly update the information.

We collect personally identifiable information, for instance, when you register and/or set up an account/profile to access, visit and/or use certain portions of the Service, or the Service as a whole, you may be provided, or required to choose, a password and/or User ID, as well as your name, telephone number(s), email and/or street address, and other personally identifiable information. Other information such as your age, gender, and the number for your mobile or other device may also be requested. In addition, you may be asked to send us similar information via messaging (e.g., email, SMS, MMS, or other technologies). All such information shall be referred to in this Privacy Policy as your “Registration Information”.

More specifically, we may collect and store personal information when you voluntarily provide it to us via our website, such as by:

• Completing and submitting any of the electronic inquiry, information request, contact or comment forms made available to you.
• Sending us email through any of the email addresses provided via the website.
• Registering, applying for or setting up an account with the company via any of our websites.
• Accessing or using any password-protected portions of our website or any customer or employee-specific portions of the website.
• Signing up for company email alerts or for one or more of our mailing lists.
• Submitting a resume to us via email or other means made available through any of our websites.
• Requesting information from us.
• Conducting other online transactions with us.

In connection with these activities, we may collect various types of personal information from you, including:

• Real name, alias, unique personal identifier, online identifier, Internet Protocol address, account name, driver’s license number, or other similar identifiers.
• Signature, state identification card number, insurance policy number, education, employment, employment history, or any other financial information, or medical information.
• Characteristics of protected classifications under California or federal law (sex, race, religion, color, national origin, age, handicaps)
• Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
• Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.
• Audio, electronic, visual, thermal, olfactory, or similar information.
• Professional (or employment) related information.
• Education information.
• Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• Any other information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information includes, but is not limited to, the following if it identifies, relates to, describes, is capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer or household.

If you do not wish to submit personal information to us via our website, we encourage you not to engage in any of the activities listed above.

Non-Personal Information

As part of the standard operation of our website, we may use technology to collect certain aggregate and nonpersonally identifiable information concerning our users, including, but not limited to, domain name from which you accessed our website (e.g., google.com), browser type (e.g., Chrome or IE), pages viewed, the date and time you visited our website, operating system (e.g., Windows or Macintosh), Internet Service Provider (“ISP”), the areas or pages of our website that you visit, the amount of time spent viewing our website, the number of times you return to our website, and other click-stream data.

Non-personal information that we may collect from you via our website is not used by us to personally identify you. Instead this information may be compiled and/or analyzed by us on an aggregated basis to measure our users’ habits. This helps us to measure the use of our website, improve the content, functionality and operation of our website and to better understand and serve our users.

Cookies

We may also utilize “cookies” in connection with our website. A cookie is a small data file that is stored on your computer’s hard drive. They enable servers to recognize your computer when it visits a website again (which, in some cases, eliminates the need to re-enter your information). Cookies help website owners analyze data about web page traffic and improve site functionality to meet customer needs or desires. Cookies also allow web applications to respond to you as an individual. The web application can then tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. Overall, cookies help provide you with better websites, by enabling website owners to understand which web pages you find useful and which you do not.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. The “help” segment of the toolbar on most browsers typically explains how to configure a browser to reject new cookies, how to have the browser inform a user when they receive a new cookie, and how to erase cookies from a computer’s hard drive. However, disabling cookies may prevent you from taking full advantage of the website you are browsing. See “Tracking Tools” below for additional information about cookies.

How We May Use Personal Information

The personal information that you provide to us via one or more of our websites may be stored, processed and used by us (at our discretion) for the following purposes:

• To fulfill information requests and enable the company to respond to questions.
• To process and track applications, and transact business with you.
• To review, evaluate and respond to job applications and resumes you submit to us.
• Internal record keeping.
• To improve our products and services, and to develop new products and services.
• To periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
• To contact you from time to time. We may contact you by email, phone, fax, mail or text message.
• To compile, generate and/or analyze information for trends and statistics.
• To track whether leads and applications arise from user contacts with us.
• For internal marketing and research purposes, and to learn about customer needs and interests.
• To customize our website according to your interests.
• To complete the application process, activate, maintain and/or administer your account(s) with us. This may include providing information to a reputable credit reporting agency or similar information reporting agency.
• To help conduct internal reviews of, administer, address problems with, modify and improve our website.
• To protect the security and/or integrity of our website.
• To make our website easier to use by eliminating the need for you to repeatedly enter the same information.
• To match personal information collected via our website with information about you collected offline, including, but not limited to, for purposes of ensuring its accuracy.
• To notify you about changes to our website, including without limitation this policy.
• Any other purposes authorized by you, or for any other purposes disclosed on our website at the time you provide your personal information.
• Any other legitimate business activities not otherwise prohibited by law.
• To conduct auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
• To detect security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
• To debug to identify and repair errors that impair existing intended functionality.
• For short-term, transient use, provided the personal information that is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
• To perform services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.
• To undertake internal research for technological development and demonstration.
• To undertake activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.
• To advance a person’s commercial or economic interests, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction.

With Whom Your Information May Be Shared

We may disclose personal and non-personal information among our subsidiary, affiliated and parent companies for marketing, promotional and business purposes. This would include Interstate Auto Group, Inc. d/b/a CarHop and Universal Acceptance Corporation d/b/a CarHop Finance as well as any of their subsidiaries all of which do business as CarHop or CarHop Finance, respectively.

Like most companies, we hire third parties such as agents and contractors to provide certain administrative and other business-related services on our behalf (e.g. accountants, shipping companies, companies that help administer our website or process transactions for us, etc.). We may disclose personal and non-personal information to these third party service providers as needed to perform the services for which they have been hired. In addition, we may disclose personal and non-personal information outside of our company if you direct us to do so, or if we are required to do so as specified in more detail in “Disclosure Exceptions” below.

Disclosure Exceptions

Notwithstanding the above policies, we reserve the right to disclose, without notice to you, your personal information to appropriate third parties if we are required to do so by law or we believe that such action is necessary:

• To comply with legal process such as a search warrant, subpoena or court order.
• To protect the company’s rights and property or defend against legal claims.
• To protect any other party’s rights, property, and safety.
• To report to any law enforcement agency any activities that we, in good faith, believe to be unlawful.
• To investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving harassment, abusive messages or potential threats to the physical safety of any persons.
• To protect against misuse or unauthorized use of our website.
• During emergencies, such as when we believe someone’s physical safety is at risk.
• In the event that one or more of our companies is ever sold, acquired, merged, liquidated, reorganized, or otherwise transferred, we reserve the right to transfer our user databases, together with any personal and non-personal information contained therein, to the third party acquiring the respective company.

We do not sell personally identifiable information, and we will not sell personally identifiable information except as described in this Privacy Policy. If we ever decide to sell personally identifiable information, we will provide you with notice and a right to opt-out of such sale.

Under the United States Patriot Act, we may be restricted from notifying individuals that such information has been disclosed.

Children’s Privacy

Our website and any products or services provided via our website are not intended to target, and are not structured to attract, children under the age of 13. We do not knowingly solicit or collect personal information from or about children under the age of 13 and we do not knowingly market our products and services to children under the age of 13. Minors under the age of 18 must get permission from their parents or legal guardians before submitting personally identifiable information. If we discover personal information submitted via one or more of our websites from a child under the age of 13, we will eliminate that information. If a parent or guardian notifies us that we have unknowingly collected (via one or more of our websites) personal information from a child under the age of 13, we will eliminate that information at the parent or guardian’s request.

Tracking Tools

Our website uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses “cookies”, text files that are stored on your computer and allow an analysis of your use of the website. The information generated by the cookie about your use of the site are usually sent to a server of Google in the U.S. and stored there. In the case of activation of the IP anonymization on the website, the IP address will be truncated by Google within Member States of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases, the full IP address is sent to a Google server in the USA and is shortened there. On behalf of us, Google will use this information to evaluate your use of the website, compiling reports on website activity together and to provide other services related to the website and internet use. The IP address submitted by your browser will not be merged with other data held by Google. You can prevent the storage of cookies by selecting the appropriate settings in your browser, we point out, however, that in this case you might not be able to use all the features of our website. You can also prevent the collection of the data generated by the cookie relating to the use of the site (including your IP address) to Google and the processing of these data by Google by following the link below and downloading and installing the available browser plug-in.  You can also opt out by visiting this website: https://tools.google.com/dlpage/gaoptout

You can also learn more about online advertising cookies and your ability to opt-out of certain online advertising cookies by visiting the following websites: http://www.aboutads.info/choices or http://www.networkadvertising.org/choices. For your mobile device, you can understand which third parties have currently enabled cookies on your mobile device and how to opt-out of some of those cookies by accessing the Network Advertising Initiative’s website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android). Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed and that you may still receive advertising from third parties, though such advertising may not be based on your interests and preferences.

Third-party vendors may collect personally identifiable information about your online activities over time and across different websites when you use the website. Our website and Services do not respond to browser “Do Not Track” signals.

Security

Our company strives to provide both functionality and security to our employees and users of the website and other systems we maintain. Our approach to security involves many different facets including, but not limited to, firewalls, proxy servers, Secure Socket Layer (SSL) certificates, password policies, data encryption and Virtual Private Network (VPN) clients.

Unfortunately, no electronic communication over the Internet can be guaranteed to be 100% secure. While we strive to take great care to protect your personal information, we cannot warrant the security of any information that you submit to us via the internet, and you do so at your own risk. We are not responsible for any loss of such information or the consequences thereof. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. Also, remember to sign off of our website and close your browser window when you are finished. This is to help ensure that others cannot pose as you online.

We reserve the right, with or without notice, to either remove or require you change a user name or password. You will be solely responsible for maintaining the confidentiality of your Information. You may not authorize or permit anyone else to access and/or use your Personal Information or the Service with your account/profile and/or Personal Information. You may not access and/or use anyone else’s Personal Information, or access, visit and/or use the Service by use of anyone else’s account/profile and/or Personal Information.

You are solely responsible for all access to, usage of or activity on, your account/profile including, but not limited to, use of the account/profile by any person who uses your Personal Information, with or without authorization, or who has access to any computer, mobile or other device on which your account/profile resides or is accessible. You acknowledge and agree that we may, and you specifically authorize us to, process all transactions, including without limitation purchases and/or registration for additional merchandise, products and/or services, including without limitation Content, that are initiated by use of your Personal Information. If you have reason to believe that your account/profile is no longer secure, immediately change the affected Information by accessing your profile on the Service, if available, and/or close the account/profile. If no such mechanism or contact information is available on the Service, please immediately notify our Privacy Policy Coordinator at privacy@carhop.com.

Links to Other Websites

Our website may contain links to other websites of interest, which are owned, operated and/or controlled by third parties or our affiliates. However, once you have used these links to leave our website, you should note that we may not have any control over the other third-party website you visit. Therefore, we cannot be responsible for the content, security and/or privacy of any information which you provide while visiting third-party websites and such websites are not governed by this policy. The use of technological tracking by third parties is subject to their own privacy policies. You should exercise caution and look at the privacy statement applicable to each website in question before browsing that site and submitting personal information over the Internet.

California Privacy Rights

Under California’s “Shine the Light” law, California residents who have an established business relationship with us and provide personal information in obtaining products or services for personal, family or household use are entitled to request and obtain from us (once per calendar year) information about the customer information we have shared, if any, with third parties for their own direct marketing use. If applicable, this information would include the categories of customer information shared and the names and addresses of those third parties with whom we shared customer information. For instance, we may share customer information with Interstate Auto Group, Inc. or its subsidiaries regarding a customer’s change of address, payments, or transaction or experience information.

The information we will provide in response to your request would be for the immediately preceding calendar year. For example, if you make a request during the 2020 calendar year that is covered under the law, we will provide you with information regarding any sharing activities covered under this law during the 2019 calendar year.

Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.

To obtain this information please contact us as set forth below under “How to Contact Us,” and include “Request for California Privacy Information” in the subject line of your correspondence. If your request is covered under the law, we will provide the requested information to you in writing or at the e-mail address you provide.

California Consumer Privacy Act

Under the California Consumer Privacy Act, California residents have the right to:

• Request that a business delete any personal information about the consumer which the business has collected from the consumer.
• Request that a business that collects personal information about the consumer disclose to the consumer, free of charge, the following:
  • The categories of personal information that it has collected about that consumer.
  • The categories of sources from which the personal information is collected.
  • The business or commercial purpose for collecting or selling personal information.
  • The categories of third parties with whom the business shares personal information.
  • The specific pieces of personal information it has collected about that consumer.

• Request that a business that sells the consumer’s personal information, or that discloses it for a business purpose disclose, free of charge, to the consumer:
  • The categories of personal information that the business collected about the consumer.
  • The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal was sold, by category or categories of personal information for each third party to whom the personal information was sold.
  • The categories of personal information that the business disclosed about the consumer for a business purpose.

• Direct a business that sells personal information about the consumer to third parties not to sell the consumer’s personal information.

You may submit a CCPA request by providing your first name, last name, email address, telephone number and ZIP code via one of the following methods:

• Calling us toll-free at (855) 856-1761 and leaving a message with the above information and your specific CCPA request as described above.
• Completing the form found at: https://www.carhop.com/contact-us/ and choosing the “CCPA” option in the “My comment is about” field with your specific CCPA request as described above in the “Message” field.

You may also designate an authorized agent to make such requests on your behalf by mailing a signed Power of Attorney to CarHop CCPA, PO Box 390203, Edina, MN 55439-0203.

We will not discriminate against you because you exercise any of the rights as described in this section.

Changes to This Policy

We reserve the right, but undertake no duty, to change this policy at any time at our discretion and without prior notice. This includes the right to edit, move, delete or add features and functionality or content available on the Service. You agree to accept and not interfere with updates or upgrades on the webpage, if for whatever reason you choose not to accept or download updates, you may not have the most recent features or content. We disclaim any and all responsibilities and liability. Changes to the Service may not affect all platforms and the Company will notify you of any changes to this policy which will go into immediate effect after they have been posted on the website, as indicated by the Last Updated date located at the beginning of this Privacy Policy. We encourage you to review our policy regularly for changes and to contact us if you have any questions or concerns. Continued usage of company website(s) indicates your acceptance of changes.

Editing, Additions and Deletions:

You agree to accept, and to take no action to interfere with, automatic upgrades or updates. Any changes to the Service may not be consistent across all platforms, computers, or devices. If you do not refresh the Service after each such change, or download the update(s) or upgrade(s), your experience may not reflect the most recent features, functionality, and/or Content, for which we and our Indemnitees disclaim any and all responsibility and liability. If any changes require you to obtain new, additional, or different equipment, hardware, software, and/or telephone, mobile, wireless, Internet and/or other services, you are solely responsible for any additional expense. Even after Content is removed from your account/profile, your messages, post(s), and/or threads, regardless of whether such removal or deletion is by you or by us, copies of that Content may be retained and/or remain viewable by us, our licensors, vendors, service providers and/or other third parties.

How to Contact Us

If you have any questions about this policy, if you would like to review, update, correct and/or delete any personal information that you provided us via our website, or for other online privacy inquiries, you may contact us at privacy@carhop.com or call us toll free at (855) 856-1761.

* Universal Acceptance Corporation  d/b/a CarHop Finance’s subsidiary companies currently include: Universal Acceptance Corporation (CA), Universal Acceptance Corporation (CO), Universal Acceptance Corporation (IA), Universal Acceptance Corporation (KS), Universal Acceptance Corporation (MN), Universal Acceptance Corporation (MN-AR), Universal Acceptance Corporation (MO), Universal Acceptance Corporation (NE), Universal Acceptance Corporation (OK), Universal Acceptance Corporation (OR), Universal Acceptance Corporation (PA), Universal Acceptance Corporation (SD), Universal Acceptance Corporation (TX), Universal Acceptance Corporation (UT), Universal Acceptance Corporation (WA), Universal Acceptance Corporation (ID), and Universal Acceptance Corporation (WI). All also operate under the name CarHop Finance

Interstate Auto Group, Inc. d/b/a CarHop’s subsidiary companies currently include: Interstate Auto Group, Inc. (NE), Interstate Auto Group, Inc. (IA), Interstate Auto Group, Inc. (MO), Interstate Auto Group (WA) Inc., Interstate Auto Group, Inc. (KS), Interstate Auto Group, Inc. (OK), Interstate Auto Group, Inc. (CO), Interstate Auto Group, Inc. (WI), Interstate Auto Group, Inc. (PA), Interstate Auto Group (UT), Inc. Interstate Auto Group, Inc. (SD), Interstate Auto Group, Inc. (MN), Interstate Auto Group, Inc. (CA), Interstate Auto Group, Inc. (ID).

Last Updated : 12/10/2019