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Quality’s California Disclosures and Privacy Policy

The California Consumer Privacy Act of 2018 (“CCPA”) provides consumers (California residents) with specific rights regarding their personal information. If you are a California resident, this section describes your CCPA rights and explains how to exercise those rights.
These California Disclosure and Privacy Policy supplements the information contained in the Online Privacy Policy Notice of Quality Acceptance, LLC and www.qualityacceptance.com (collectively, “Quality,” “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt these California Disclosures and Privacy Policy to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California laws. Any terms defined in the CCPA have the same meaning when used in these California Disclosures and Privacy Policy.

1. PERSONAL INFORMATION

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer, device, or household (“personal information”). Personal information does not include, amongst other things, 1) publicly available information from government records, 2) deidentified data, 3) aggregated data, 4) information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“CalFIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).

A. Categories of Personal Information We Collect

In the last 12 months, we collected the following categories of personal information:

B. How We Obtain Your Personal Information

Directly from you. You enter or provide us with information online, by email, by phone, by completing forms, by document upload, or via our mobile app.
For example, when you signup online to pay your bill.
Directly and indirectly from you based on activity on our website or mobile app. For example, from submissions through our website or website usage details collected automatically.
From service providers or third parties that interact with us in connection with the products and services we provide. For example, car dealerships, credit reporting agencies, GPS devices, or other vendors that provide data we use in underwriting or in protecting you and our products from fraud and identity theft.

C. How We Use Your Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

  1. Performing services on behalf of us or our service providers, such as maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of us or our service providers. Examples of such activities:
    a. To fulfill or meet the reason for which the information is provided.
    b. To provide you with information, products, or services that you request from us.
    c. To provide you with email alerts and other notices concerning our products or services,
    or events or news, that may be of interest to you.
    d. To carry out our obligations and enforce our rights arising from any contracts entered
    into between you and us, including for billing and collections.
  2. Undertaking internal research for technological development and demonstration.
  3. Debugging to identify and repair errors that impair existing intended functionality.
  4. Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
  5. 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.
  6. 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.
  7. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.
  8. To comply with our legal or regulatory obligations.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice

D. Who We Share Your Personal Information With

We may disclose your personal information to a service provider or third party. When we disclose personal information to a service provider, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract or as otherwise allowed under the CCPA. Examples of who we share with include:

E. Sale of Personal Information

We do not sell your personal information. We do not sell the personal information of minors under 16 years of age without affirmative authorization.

2. YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT OF 2018

The CCPA provides California residents with specific rights regarding their personal information – the Right to Know, the Right to Delete, the Right to Opt-Out, and the Right to Non-Discrimination. This section describes your CCPA rights and explains how to exercise those rights.

A. Right to Know

You have the right to request that we disclose certain information to you about our collection, use, and disclosures of your personal information over the past 12 months (“Right to Know”). Once we receive and verify your request, we will disclose to you:

We may deny your Request to Know if we are unable to verify your identity or have reason to believe that the request is fraudulent. We may also deny your request if the information is subject to an exemption under FCRA, GLBA, FIPA, or DPPA.

B. Right to Delete

You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions (“Right to Delete”). Once we receive and verify your request, we will delete, de-identify, or aggregate your personal information (and direct our service providers to do the same), unless an exception applies.

We may deny your Request to Delete if retaining the personal information is necessary for us or our service providers to:

Additionally, we may deny your Request to Delete if we are unable to verify your identity or have reason to believe that the request is fraudulent.

C. Right to Opt-Out

The CCPA gives consumers the right to opt-out of the sale of their personal information (“Right to Opt-Out”). However, we do not sell your personal information. We do not sell the personal information of minors under 16 years of age without affirmative authorization.

D. Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

3. SUBMITTING A REQUEST TO KNOW OR REQUEST TO DELETE

A. How to Submit a Request

To make a Request to Know or Request to Delete, please contact us by:

Only 1) you, 2) a person authorized by you to act on your behalf, or 3) an entity registered with the California Secretary of State and authorized by you to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a request on behalf of your minor child.

You may only make a Request to Know twice within a 12-month period.

A Request to Know or Request to Delete must:

B. Authorized Agents

Before we can respond to a Request to Know or Request to Delete submitted by an authorized agent, we need to verify not only that person or entity’s authority to act on your behalf but also verify the identity of the authorized agent.

If you are authorized to submit a request on behalf of a California resident, please email us at: privacy@qualityfin.com and provide the following information:

  1. To verify your authorization to request on behalf of a California resident, please attach a copy of one or more of the following to your request email:
    • California Secretary of State entity details and written permission from the California resident (if the authorized agent is a business),
    • written permission from the California resident (if the authorized agent is an individual), or
    • a valid power of attorney
  2. To verify your identity, please attach copies of the following to your request email:
    • Valid Government Issued ID (not expired) AND
    • a utility bill, bank statement, or similar documentation to verify your name and address.
  3. To verify the identity of the consumer for whom you are submitting the request, please include three or more of the following with your request email:
    • name,
    • address,
    • date of birth,
    • email address,
    • phone number,
    • last 4 of the Social Security Number, or
    • last 4 of the account number
  4. If you are submitting a Request to Know specific pieces personal information (rather than categories), the authorized agent will also need to submit a declaration under the penalty of perjury signed by the consumer whose information is being requested.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

C. Response Timing and Delivery Method

We will acknowledge receipt of the request within 10 days of its receipt. We will respond to a request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

4. DO NOT TRACK SIGNALS

Our site does not respond to Do Not Track signals configured in your web browser.

5. SOCIAL MEDIA

We encourage you to review your privacy options and settings with the social media platforms and networks you use to understand what choices you have about sharing information from those platforms and networks with us.

6. CHANGES TO THESE CALIFORNIA DISCLOSURES AND PRIVACY POLICY

We reserve the right to amend these California Disclosures and Privacy Policy at our discretion and at any time. When we make material changes to this privacy policy, we will notify you by email or through a notice on our website homepage.

7.HOW TO CONTACT US

If you have any questions or comments about this policy, the ways in which we collect and use your personal information, your rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Privacy Support Phone: (800) 910-8180
Privacy Support E-Mail: privacy@qualityfin.com

Postal Address: Quality Acceptance, LLC
Attn: Privacy
14546 Hamlin Street, 3rd Floor
Van Nuys, California 91411

Version 2.0- Effective Date 5/1/2021