Dealer Finance of Western Kentucky, LLC (“DFWK”) is committed to maintaining robust privacy protections for its users. Our Privacy Policy (“Privacy Policy”) is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Service.
For purposes of this Agreement, “Site” refers to the Company’s website, which can be accessed at www.dfwky.com or through our systems accessible through a mobile application if available.
“Service” refers to the Company’s services accessed via the Site or mobile application, in which users can conduct business associated with DFWK.
The terms “we,” “us,” and “our” refer to the Company.
“You” refers to you, as a user of our Site or our Service.
By accessing our Site or our Service, you accept our Privacy Policy and Terms of Use (found at www.dfwky.com), and you consent to our collection, storage, use and disclosure of your Personal Information as described in this Privacy Policy.
DFWK collects “Non-Personal Information” and “Personal Information.” Non-Personal Information includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. Personal Information may include your Social Security number and income, account balances and payment history, credit history and credit scores, contact information, date of birth, and marital status which you submit to us through the business processes. The detailed types of personal information we collect and share depend on the product or service you have with us.
DFWK collects “Non-Personal Information” and “Personal Information” in support of our business practices and processes. In certain circumstances, DFWK is legally required to collect, use, and retain customer information. DFWK may collect information for processes including but not limited to managing customer accounts, collections, marketing, customer communications, or for quality improvement.
DFWK may collect customers’ personal information either directly or indirectly in the course of business. This may take the form of physical (i.e. paper based) or electronic information and the collection thereof. Collection, use, and retention of this information may be required by law in addition to conducting business with the customer. We collect your personal information, for example, when you
DFWK, Site and the Service, are not directed to anyone under the age of 13. The Site does not knowingly collect or solicit information from anyone under the age of 13, or allow anyone under the age of 13 to sign up for the Service. In the event that we learn that we have gathered personal information from anyone under the age of 13 without the consent of a parent or guardian, we will delete that information as soon as possible. If you believe we have collected such information, please contact us at our primary office in Paducah, KY. See contact information on www.dfwky.com.
DFWK may need to share customers’ personal information to run our everyday business and chooses how we 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. In the section below, we list the reasons we can share our customers’ personal information; the reasons DFWK chooses to share; and whether you can limit this sharing.
| REASONS WE CAN SHARE YOUR PERSONAL INFORMATION | DOES DFWK SHARE? | CAN YOU LIMIT THE 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 | YES | NO |
| For our affiliates' everyday business purposes; Information about your transactions and experiences | NO | We don't share |
| For our affiliates' everyday business purposes; Information about your creditworthiness | NO | We don't share |
| For our affiliates to market to you | NO | We don't share |
| For our non-affiliates to market to you | NO | We don't share |
Federal law gives you the right to limit only
You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. You can also indicate that you do not wish to receive marketing communications from us by contacting our Paducah, KY office. Please note that notwithstanding the promotional preferences you indicate, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.
DFWK implements security measures designed to protect your information from unauthorized access. These measures include computer safeguards and secured files and buildings. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.
DFWK reserves the right to change this policy and our Terms of Service at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. You should periodically check the Site and this privacy policy for updates.
As part of the Service, DFWK may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and the Service. Therefore, this Privacy Policy does not apply to your use of a third party website accessed by selecting a link on our Site or via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.
| DEFINITIONS | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include nonfinancial companies. |
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. DFWK does not share with non-affiliates so they can market to you. |
| Joint Marketing | A formal agreement between non-affiliated companies that together market financial products or services to you. Our joint marketing partners include third party service providers who may be used to market our products to you. |
This Privacy Policy and Notice is provided by Dealer Finance of Western Kentucky, LLC. Any questions or concerns may be directed to our Paducah, KY office. Contact information is available on the site, www.dfwky.com.