Website Privacy Statement

Crest’s Pledge to You

Welcome to Crest Financial Services, LLC, and its affiliated companies (“Crest”). Please read our privacy policy carefully to understand how we will use the information you provide while using sites associated with Crest, i.e., www.crestfinancial.com portal.crestfinancial.com and dealers.crestfinancial.com. This policy may change from time to time, so please check the website each time you use it for the most current information.

The trust of our customer is our most precious asset. Protecting your privacy and safeguarding your personal and financial information is one of our highest priorities. The following Privacy Statement describes the privacy policy and practices followed by Crest. The following Privacy Statement also explains how Crest collects and protects your information.

If you have any questions that this statement does not address, please contact a Customer Services representative toll-free at (855) 282-7378. By leasing or signing an agreement or by using Crest’s websites, you give your consent to the collection and use of personal information by Crest as explained in this statement. Any dispute over our Privacy Statement is subject to this notice and the Crest Lease Agreement, including arbitration of disputes and limitation of damages.

Key Elements of Crest’s Privacy Program

We gather personal information about our customer in order to provide services, comply with laws, safeguard assets and improve our offerings. We do not share your information with unaffiliated companies for marketing purposes without your prior permission.

We may share information about you among companies affiliated with us, including with Crest Financial Services, LLC and their subsidiaries, to inform you about additional products, services or promotions that may be of interest to you.

• What Information We Collect from Customers
• Why We Collect Information
• How We Collect Information
• Use of Cookies and Tracking User Traffic
• The General Purposes for which We Use and Disclose the Information
• How to Opt-Out of Certain Uses of the Information We Collect
• How We Protect Your Information

When used in this privacy policy, the terms below have the following meanings:
“Personal Contact Information” means basic account and profile information entered by or on behalf of a customer. This type of information is used to make contact and it includes the following types of information.

• First and Last name (middle initial and suffix, if applicable)
• Telephone Number
• E-mail Address
• Current US Mail Address

“Sensitive Information”: As a customer of Crest, we may also collect the following information (in addition to basic contact information). This information is collected in order to carry out Crest’s legitimate business objectives:

• Social Security Numbers
• Credit or Debit Card Numbers, along with expiration date (if used as a form of payment)
• Drivers’ License Numbers, along with State of issue
• Bank Account Numbers (if used as form of payment) and history
• Financial Account Numbers (for purposes of making decisions, disputes and interventions)
• Date of Birth
• Income
• Employer and Employment History

“Website Information” means information collected when individuals browse www.crestfinancial.com website, such as date and time of visit, pages viewed, time spent on the site, and websites visited before viewing the Crest site. This information cannot be traceable to any specific person.

What Information We Collect from Customers

When you visit dealers.crestfinancial.com/Customer, (Customer Site), you may provide us with three (3) different types of information: (a) personal contact information that you knowingly choose to disclose that is collected on an individual basis; (b) sensitive information; and (c) website use information collected on an aggregate basis by individuals browsing our website.

Why We Collect Information

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.

How We Collect Information

Personal Contact Information: We collect this information in order to contact you about your account or other relevant information from Crest.
Sensitive Information: This information is only used for legitimate business purposes and is only shared with third parties to the extent necessary to fulfill those purposes. Sensitive information is encrypted before it is shared with any third party.
Website Information:

• www.crestfinancial.com: When you browse this site, you are able to do so anonymously. Generally, we do not collect personal information when you browse this site — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.

• dealers.crestfinancial.com/Customer: You can access this site if you are a customer of Crest. In order to use this site and protect and secure the privacy and confidentiality of its customers, Crest needs to track usage by customer account number. Therefore, your use of the site constitutes consent to collection and storage of personally identifying information.

We collect your personal information, for example, when you apply for a lease, apply for lending, give us your income information, provide employment information, provide account numbers either on our website, through online application and by emails and faxes sent by customer.

Use of Cookies and Tracking User Traffic

Some pages on this site may use “cookies”—small files that the site places on your hard drive for identification purposes. A cookie file can contain information such as a user ID to track the pages visited. These files are used for site registration and customization the next time you visit us.

Some parts of the site may also use cookies to track user traffic patterns. Crest does this in order to determine the usefulness of our Website information to our users and to see how effective our navigational structure is in helping users reach that information. Please note that cookies cannot read data off of your hard drive. Your Web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. If you prefer not to receive cookies while browsing our Website, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser. By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site.

In some of our emails to you, Crest uses a “click-through URL.” When you click one of these URLs, you pass through our web server before arriving at the Website that is your destination. We track “click-through’s” to help Crest determine your interest in particular topics and measure the effectiveness of our customer communications.

Crest may use third-party advertising companies, including but not limited to Google, to serve ads on its behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and to serve ads based on a user’s prior visits to Crest’s website.

The General Purposes for Which We Use and Disclose Information

How Crest Uses the Information

Personal Contact Information: This type of information is used to correspond with Crest and is not shared, unless the customer has given permission in the Crest Lease Agreement or Application or doing so is necessary to provide the customer needed services and fulfill Crest’s legitimate business purposes.

Sensitive Information: Sensitive information is used by Crest to provide customers with the services requested.
To save you time and make our web services easier to use, some areas of the Crest Website allow you to create a “Username” using your personal information. The system saves your information and assigns you a unique Username. Next time you log into the customer section of our Website you can simply enter your Username and password — the system will automatically look up the information it needs.
Under What Circumstances Crest Shares Your Information

Personal Contact Information: Because the ability to communicate with our customers during any part of the lease process is absolutely essential, your personal contact information may be shared with other Crest employees. They will protect your personal information in accordance with the Crest

Customer Privacy Policy. Crest will not share your personal contact information with other companies, unless you agree otherwise.
Crest works with other companies that help us provide Crest services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you, we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with Crest’s policies.

In addition, Crest uses your personal contact information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time-to-time, we may also use your personal information in order to contact you regarding participation in a market research surveys, so that we can gauge customer satisfaction and improve our services.

Sensitive Information: There may be some circumstances in which Crest shares certain sensitive information with a third-party vendor. However, when this occurs, the information is encrypted and is handled in a manner consistent with this privacy policy and relevant laws. Sensitive information is only given to third-party vendors when necessary to carry out the legitimate business objectives for which you retained Crest. The circumstances under which sensitive information is shared with third parties include leases, disputes and interventions to merchants as well as processing of payments.
Website Information: This information is collected in order to allow Crest to improve its Website and better serve its customers. This information allows Crest to design and arrange Web pages in the most user-friendly manner and to continually improve its Website to better meet the needs of its customers and prospective customers.

How to Opt out of Certain Uses of the Information We Collect
Crest may use third-party advertising companies, including but not limited to Google, to serve ads on its behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and to serve ads based on a user’s prior visits to Crest’s website. Crest uses Analytics data and the DoubleClick cookie to serve ads based on a user’s prior visits to Crest’s website. Any information these third parties collect via cookies and action tags is completely anonymous.

How We Protect Your Information

Crest safeguards the security of the data you send with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.

• Application of Encryption Technologies
Crest’s Website uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where sensitive personal information, including social security numbers, is collected. To log into the customer section of the Website, you must use an SSL-enabled browser. This type of browser protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.

• Evaluation of Information Protection Practices
Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

• Employee Access, Training and Expectations
Crest’s corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, Crest’s business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons, processes and transactions.

• Legally Compelled Disclosure of Information
Crest may disclose information when legally compelled to do so. In other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. Privileged information about a customer’s case is shared only when required by a subpoena, regulatory investigation, court order or with a customer’s express, verbal or written permission.

• Sharing Information with Outside Parties
Crest may provide aggregate information about our site visitors and related Website information to our affiliates, but this information will not include sensitive information.

Our Company-Wide Commitment to Privacy

To make sure your personal information remains confidential, Crest communicates these privacy guidelines to every Crest employee, staff member, and third-party vendor handling customer Information.

• Protection of Minors
Crest does not knowingly solicit personal information from children or send them requests for personal information.

• Third-Party Website Links
Crest’s Website may contain links to other sites. Crest does not share your personal information with those Websites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.

• Changes to the Use of Personal Information
If Crest is going to use your personal information differently from that stated at the time of collection, we will attempt to contact you, via the mail or by email, using the most recent information we have.

We may update this Website Privacy Statement

We may change our Website Privacy Statement from time to time. We will notify you of any material changes to our Privacy Statement as required by law. We will also post an updated copy on our Websites. Please check periodically for updates. The Website Privacy Statement was last revised on 04/01/2014.