Our dealerships take privacy seriously and we are committed to safeguarding your privacy online and in our dealerships. We have active programs in place to ensure our compliance with federal and state laws, regulations, and polices. In particular, we have programs directed by corporate level senior officers for:
Gramm, Leach, Bliley (GLB) Act
Privacy Rule July 1, 2001
Deals with how financial institutions (which in this instance includes dealerships) share information about consumers who obtain, or apply for, credit or lease products.
FTC Safeguarding Customer Information Regulations
Safeguards Rule May 23, 2003
Deals with how financial institutions (including dealerships) protect finance and lease customer information.
FTC Red Flags and Address Discrepancy Rules
Regulations November 1, 2008 Enforcement implementation January 1, 2011
Deals with how institutions dealing with credit (including dealerships) help reduce Identity Theft.
Fair Credit Reporting Act 1970 and Accurate Credit Transactions Act 2003 and Regulatory Relief Act 2006 Privacy Notices
New regulations effective January 1, 2011
Deals with financial institutions? (including dealerships) privacy notices and policies, which in some cases allow consumers some say in how this financial information is used for marketing. These so-called opt out provisions deal with the sharing or selling of financial information to third parties and do not apply to the dealership?s direct use.
Joint FTC and Federal Reserve Board Risk Based Lending Rule
Rule effective January 1, 2011
Deals with informing consumers about the effect their credit score has on loan terms and pricing. Provides for an Exception Notice in specific lending transactions or a general distribution of Credit Score Disclosure Notices.
FTC and FCC Do Not Call Rule
Effective October 1,2003
Deals with telemarketing restrictions for companies that do not have a continuing or recent relationship with a consumer.
Third Party Marketing:
For the most part these Rules and Regulations deal with information collected specifically for use in providing financing and they do not apply to information collected as part of the sale of a vehicle or service. As a result, information collected as part of the sale which does not concern if, how, or under what conditions the financing was arranged is not restricted and will be shared with the vehicle?s manufacturer. In addition, information given to the Maine motor vehicle department about the sale may also be sold or made available by the state to third party organizations. We have no control over this type of distribution of information. Consumers should be diligent in reviewing offers they receive for things like Service Contracts to be sure you know exactly who is making the offer and what the terms of those offers are. This is one of the biggest areas of complaints that we receive. Consumers often misconstrue offers that are designed to look like they came from us or the vehicle?s manufacturer.
Non-Personally Identifiable Data:
Anytime you visit our Web site, we may gather certain non-personally identifiable information regarding the means you use to access our site. This information may include the type and version of your browser, your service provider, your IP address and any search engine you may have used to locate the site. We use this information to help diagnose problems with our server, administer the Web site, and compile broad statistical data. In addition, we gather certain navigational information about where you go on our Web sites. This information enables us to determine which areas of the Web sites are most frequently visited and helps us to tailor the sites to the needs and interests of our online visitors. Such information is gathered by us in the aggregate and will not be associated with a specific individual.
Accessing Our Web Sites from Outside of the United States:
If you are visiting our Web site from a location outside of the U.S., your connection will be through and to servers located in the U.S. Any information you provide during your visit will be processed and maintained on our Web server and other internal systems located within the U.S.
Our Web sites may make social networking tools such as forums, message boards, and/or news groups available to its users at various times. Please remember that, unless otherwise stated, any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information in these areas.
Privacy Notice and Sample Credit Score Disclosure: Our initial Privacy Notice is provided to all customers while finalizing their purchase. It is also available here for your use: Darling's Privacy Notice
We provide the Credit Score Disclosure to all customers that want availability of financing included in the research and discussion of a vehicle purchase. Once a credit check has been run, this form will be delivered to the customer at the time of delivery, or mailed to the customer the next day if delivery has not already occurred. The sample of the two forms of this disclosure is here for your use: Sample Credit Score Disclosure Form
Questions? If you have additional questions, please contact our corporate office at 207-992-1740.