Privacy Policy

Privacy Policy

Rev. 3/2018


FACTS

 

WHAT DOES AMERICAN FINANCIAL DO WITH YOUR PERSONAL INFORMATION?

Why?

 

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

 

 

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • credit history and credit scores

How?

 

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons American Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does American Financial share?

Can you limit this sharing?

For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes –
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –
information about your transactions and experiences

For our affiliates’ everyday business purposes –
information about your creditworthiness

For our affiliates to market to you

For nonaffiliates to market to you

Yes

 

Yes

Yes

Yes

Yes

Yes

No

No

 

No

No

No

Yes

Yes

We don’t share.

To limit our sharing

 

Call 1-866-348-4450 – our menu will prompt you through your choice(s).

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-901-370-4477

Who are we

Who is providing this notice?

RAC Asset Holdings, LLC dba American Financial, RAC King, LLC, RAC Intermediate Holdings, LLC, RAC Servicer, LLC, and AF Title Co.

What do we do?

How does American Financial protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does American Financial collect my personal information?

We collect your personal information, for example, when you

• apply for a lease or give us your income information
• provide employment information or pay us by check
• show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market you
• sharing for nonaffiliates to market you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies

Our affiliates include RAC Dealership, LLC, dba American Car Center, RAC Asset Holdings, LLC dba American Financial, RAC King, LLC, RAC Intermediate Holdings, LLC, RAC Servicer, LLC, and AF Title Co.

 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• American Financial does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include companies that offer vehicle financing and related financial and insurance products and services.

Other Important Information