Privacy Policy

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FACTS

WHAT DOES Rainey Used Cars ("RUC") and Rainey Finance ("RF") 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 Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

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 Rainey Used Cars and Rainey Finance choose to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does RUC and RF 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

YES

NO

For our marketing purposes —

to offer our products and services to you

YES

NO

For joint marketing with other financial companies

NO

WE DON'T SHARE

For our affiliates’ everyday business purposes —

information about your transactions and experiences

YES

NO

For our affiliates’ everyday business purposes —

information about your creditworthiness

YES

YES

For our affiliates to market to you

YES

YES

For nonaffiliates to market to you

NO

WE DON'T SHARE


TO LIMIT OUR SHARING

Call:

229-695-9163 — our menu will prompt you through your choice(s)

Or email us at:

privacy@raineyga.com

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 229-695-9163 or email us at privacy@raineyga.com.


WHO WE ARE

Who is providing this notice?

Rainey Used Cars and Rainey Finance

WHAT WE DO

How does RUC and RF 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 RUC and RF collect my personal information?

We collect your personal information, for example, when you:

  • Apply for financing or Provide your pay stub
  • Give us your income or Provide employment information
  • Show us 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 to you
  • sharing for nonaffiliates to market to 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 Rainey Used Cars, Rainey Finance, Rainey's Rent-A-Car, and Georgia, Locate & Recovery.

Nonaffiliates

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

  • First Horizon Bank

Joint marketing

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

  • N/A

OTHER IMPORTANT INFORMATION

Rainey Used Cars originates retail installment contracts that are assigned to Rainey Finance, an affiliated finance company that services the account. We may share customer information with financial institutions that provide financing to support our business operations, such as line of credit providers. This information is used solely for operational and compliance purposes and not for marketing.


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