PRIVACY POLICY | Nyfi Dealer Servic 2

NYFI Dealer Services (“Company,” “we,” “our,” or “us”) values your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us, including when we handle leads on behalf of car dealerships.

1. Information We Collect

We may collect the following categories of information:

a. Personal Information You Provide

Name, address, phone number, and email address
Date of birth
Driver’s license or identification information (if required for financing)
Employment and income details (if you apply for credit)
Social Security Number (only when required by lenders for financing applications)
Vehicle interests, trade-in details, or purchase inquiries

b. Automatically Collected Information

IP address and device information
Browser type and operating system
Website usage data (pages visited, referral links, time spent)
Cookies, pixels, and tracking technologies

c. Information from Third Parties

Credit bureaus, lenders, and financing partners (when you apply for credit)
Dealer partners who share your lead or application details with us

2. How We Use Your Information

We may use the information we collect for the following purposes:

To provide lead management services for our dealer partners
To process financing applications and match you with appropriate lenders
To communicate with you about vehicles, services, and financing options
To comply with legal and regulatory requirements (e.g., NY General Business Law, FTC Safeguards Rule, GLBA)
To prevent fraud and enhance security
For marketing, advertising, and promotional purposes (only with your consent where required)

3. How We Share Your Information

We may disclose your information under the following circumstances:

With Dealers: To connect you with the dealership(s) handling your vehicle inquiry.
With Lenders and Financing Institutions: To process your credit application and provide financing options.
With Service Providers: Third-party vendors who help us operate our business (IT, hosting, customer support, analytics, etc.).
For Legal Reasons: When required by law, court order, or regulatory authority.
In Business Transactions: If NYFI Dealer Services is merged, sold, or transferred, your information may be part of the assets shared.

We do not sell personal information to unaffiliated third parties.

4. Your Rights and Choices

Depending on your location and applicable law, you may have the right to:

Access and request a copy of your personal information
Correct or update inaccurate information
Request deletion of your personal information (subject to legal requirements)
Opt-out of receiving marketing communications
Restrict or object to certain data processing activities

To exercise your rights, please contact us at [Insert Contact Email].

5. Data Security

We implement administrative, technical, and physical safeguards consistent with the FTC Safeguards Rule and GLBA to protect your information, including:

Encryption of sensitive data (e.g., SSNs, financial details)
Secure servers and restricted system access
Vendor due diligence and confidentiality agreements
Regular monitoring and auditing of data handling practices

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Policy, comply with legal requirements, and resolve disputes.

7. Cookies and Tracking Technologies

We may use cookies, tracking pixels, and similar technologies to enhance your browsing experience, measure website traffic, and provide targeted advertising. You can disable cookies through your browser settings, but some site features may not function properly.

8. Marketing Communications

Email Marketing (CAN-SPAM Act): You may opt out of promotional emails by following the unsubscribe link in each message.
Text Messaging (TCPA Compliance): By providing your phone number, you consent to receive SMS communications. You may reply STOP to opt out at any time. Standard message and data rates may apply.

9. Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect or process personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted with an updated effective date. Continued use of our services constitutes acceptance of the updated policy.

11. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us:

These Terms of Service (“Terms,” “Agreement”) govern your use of the services provided by NYFI Dealer Services (“Company,” “we,” “our,” or “us”). By accessing or using our website, lead services, or related offerings (collectively, the “Services”), you agree to be bound by these Terms. If you do not agree, you may not use our Services.

1. Eligibility

You must be at least 18 years of age to use our Services.
By using our Services, you represent that you have the legal capacity to enter into a binding agreement.

2. Services Provided

NYFI Dealer Services provides lead management, financing facilitation, and related services for automotive dealerships and their customers. We:

Collect and transmit customer inquiries to participating dealers and lenders.
Provide tools to streamline financing and vehicle purchase processes.
Do not guarantee financing approvals or vehicle availability. Final decisions rest with dealers and lenders.

3. User Responsibilities

When using our Services, you agree to:

Provide accurate, current, and complete information.
Not impersonate another person or misrepresent your identity.
Use the Services only for lawful purposes.
Comply with all applicable local, state, and federal laws, including New York General Business Law, GLBA, CAN-SPAM, TCPA, and FTC guidelines.

4. Communications Consent

By submitting your information, you consent to receive phone calls, text messages, and emails from NYFI Dealer Services, participating dealers, and lenders regarding your inquiry.
Standard message and data rates may apply.
You may opt out at any time by replying STOP to text messages or using the unsubscribe link in emails.

5. Privacy and Data Security

Your use of the Services is also governed by our [Privacy Policy]. By using our Services, you consent to our collection, use, and disclosure of information as described in that policy.

We implement safeguards consistent with the FTC Safeguards Rule and GLBA to protect sensitive information.
You acknowledge that no transmission over the internet is completely secure.

6. Third-Party Dealers and Lenders

We act as an intermediary between consumers, dealers, and lenders.
We are not responsible for the acts, omissions, or representations of any dealer or lender.
All financing terms, approvals, and vehicle sales are between you and the dealer or lender.

7. Intellectual Property

All content, trademarks, logos, and materials provided by NYFI Dealer Services are our property or the property of our licensors.
You may not copy, distribute, modify, or create derivative works without prior written consent.

8. Disclaimers

We make no warranties, express or implied, regarding vehicle availability, financing approval, or suitability for a particular purpose.
Services are provided “AS IS” and “AS AVAILABLE.”
We do not guarantee that the Services will be error-free, uninterrupted, or secure.

9. Limitation of Liability

To the maximum extent permitted by law:

NYFI Dealer Services shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or goodwill.
Our total liability arising out of or relating to the Services shall not exceed the greater of: (a) $100 or (b) the amount you paid us for Services in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless NYFI Dealer Services, its officers, employees, and partners from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

11. Electronic Signatures and Records

By using our Services, you consent to the use of electronic records and signatures under the E-SIGN Act.
You agree that your electronic acceptance of these Terms has the same legal effect as a signed written contract.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.
Any disputes shall be resolved in state or federal courts located in Wayne County or Monroe County, New York.
You waive any objection to jurisdiction or venue in those courts.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without cause.
Provisions relating to limitation of liability, indemnification, intellectual property, and dispute resolution shall survive termination.

14. Changes to These Terms

We reserve the right to update or modify these Terms at any time. The updated Terms will be posted with a revised effective date. Continued use of the Services constitutes acceptance of the changes.

15. Contact Information

For questions about these Terms, please contact:

NYFI Dealer Services