Maintaining the privacy and security of your Personal Information is AFCO Credit Corporation’s (“AFCO”) highest priority. In doing so, we want to provide transparency regarding how and why your data is collected, how it is used, and with whom it may be shared. This document, as well as AFCO’s Consumer Privacy Notice and Statement of Online Privacy Practices sets forth how we will interact with your personal information. Specifically, it provides information on how you may exercise your California privacy rights. This Notice is directed to consumers who reside in the state of California and relates to collection, use, and disclosure of personal information covered by the California Consumer Privacy Act (CCPA). That said, all of our consumers are welcome to submit questions or requests about their data.
It is important to note that AFCO does not sell personal information. Because such sales do not occur, there is no link on our websites to opt-out of such activity.
To help ensure transparency around our handling of consumer personal information, we have established a Consumer Submission process to facilitate receiving and processing requests related to accessing and potentially deleting your data. This process helps us meet certain legal and compliance requirements such as those under the California Consumer Privacy Act (CCPA). It also gives non- California consumers a vehicle to make similar requests.
CCPA PRIVACY NOTICE
AFCO’s Consumer Privacy Notice and Statement of Online Privacy Practices provide consumers details about our practices concerning the privacy of personal information. This notice provides further information about our practices, along with details concerning how “Consumer Access” (“Right to Know”) and/or “Right to Request Deletion” requests may be submitted. This notice is designed to provide additional information to California residents pursuant to CCPA.
The following are some general notes about AFCO’s practices related to the collection, use and sharing of personal information:
As a financial institution, it is necessary for us to collect certain personal information in order to provide our products and services, fulfill consumer requests, to comply with the federal and state laws and other legal obligations.
Below is a list of categories of personal information we have collected in the past 12 months:
- Personal identifiers (ex: name, contact information)
- Commercial information
- Name and Address
- Internet or other electronic network activity information
- Audio, electronic, visual, thermal or olfactory information (e.g.: voice recordings when you leave a voicemail for an AFCO teammate)
- Inferences drawn from any of the above information
It is necessary for AFCO to share certain personal information with affiliates and/or trusted service providers in order to provide our products and services, and to comply with legal, regulatory and contractual obligations. We may disclose each of the categories of personal information described above to such external or affiliated companies. When engaging service providers, AFCO ensures that such partners will maintain the information in accordance with our privacy and security standards, and only use the data for the use(s) specified in the contract. Below are categories of third parties with whom we share personal information:
- Affiliates and other entities in the Truist family
- Businesses with which we partner to offer products and services for our clients or prospective customers, such as bill pay partners
- Service providers that provide various services to us, such as those we use to print and send legal notices to you
- Government entities and other third parties as needed for legal or similar purposes, such as:
- To respond to requests from our regulators
- To respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order or other legal process
- To facilitate a merger, acquisition, sale, bankruptcy, or other disposition of some or all of our assets
- To exercise or defend legal claims
Purpose for Collection and Use
We collect and use personal information in order to conduct business, manage relationships and accounts, and maintain operational functions at AFCO. In the past 12 months, we have collected and used personal information for the following purposes:
- Deliver, manage and support products and services (ex: account information, statements, notifications)
- Manage business operations
- Assess and manage risk, manage internal financials
- Meet legal, regulatory, or compliance requirements
- Manage fraud and financial crimes
- Support and optimize channels and interactions (ex: improving website performance)
- Identify and recommend new products and services
- Provide employee benefits and other services (ex: retirement, health), manage hiring, employment, performance, and staffing
Sources of Personal Information
AFCO collects information from various sources in the course of providing products and services to you, and the sources will vary based on the relationship and products or services we provide to a client or consumer. Below is a list of the categories of sources from which we obtain data:
- Directly from you or your guardians/representatives
- Outside service providers, vendors, and third parties from which we collect personal information or market data as part of providing products and services, completing transactions, or supporting operations
- Outputs from analytics
- Websites, mobile applications, and social media
- Our affiliates or subsidiaries
- Outside merchants or business partners such as credit card or lending partnerships, or corporate clients
- Public records or publicly available data