Privacy Notice
What does RubyCar do with your personal information?
Why?
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, assets and liabilities
- Account balances and payment history, credit history and credit scores
- Name, address and birthday
When you are no longer a customer we continue to share information as described herein.
How?
All companies involved in financial products need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons RubyCar chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does RubyCar 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 nonaffiliates to market to you | Yes | Yes |
Questions? Call (833) 836-6630 Monday - Friday: 11:00am - 7:30pm EST
| Who we are | |
|---|---|
Who is providing this notice? | RubyCar, LLC |
| What we do | |
|---|---|
How does RubyCar, LLC protect my financial information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Those measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect your information and we limit access to information to those employees for whom access is appropriate. |
How does RubyCar collect my personal information? | We collect your personal information, for example, when you
We may also collect your personal information from others such as affiliates, credit bureaus or other companies. |
Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions | |
|---|---|
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. |
Nonaffiliates | Companies not related by common ownership or control. They can be financial or nonfinancial companies. RubyCar, LLC does share your information with non-affiliates to complete some transactions and those non-affiliates may market to you. |
Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. RubyCar, LLC does jointly market. |