Privacy Policy

PRIVACY NOTICE
Effective January 1, 2011

FACTS
WHAT DOES MORSE OPERATIONS, INC.
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 Morse Operations, Inc. chooses to share; and whether you can limit this sharing.

FACTS
WHAT DOES MORSE OPERATIONS, INC.
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 Morse Operations, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Morse Operations, Inc. 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
Yes
No
For our affiliates’ everyday business purposes
Information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes
Information about your creditworthiness
No
We don’t share
For our affiliates to market you
No
We don’t share
For non-affiliates to market you
No
We don’t share
Questions?
Please contact the dealership directly with any questions.
Who is providing this notice?
Morse Operations, Inc.
WHAT WE DO
How does Morse Operations, Inc. 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 Morse Operations, Inc. collect my personal information?
We collect your personal information, for example, when you
     –      apply for financing
     –      give us your income information or provide employment information
     –      provide account information or give us your contact information
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 non-affiliates to market to you
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.
Morse Operations, Inc. has no affiliates
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Morse Operations, Inc. does not share with non-affiliates so they can     market you
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
     –      Our joint marketing partners include finance companies.