Privacy Policy
WHAT DOES Arivo Acceptance, LLC 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
- Credit information and employment information
- Account balances and payment history
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 Arivo Acceptance, LLC chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does Arivo Acceptance LLC share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes To process your transactions, maintain your account, respond to court orders and legal investigations, or to 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 | - |
| For our affiliates' everyday business purposes Information about your transactions and experiences | No | - |
| For our affiliates' everyday business purposes Information about your creditworthiness | No | - |
| For affiliates to market to you | No | - |
| For nonaffiliates to market to you | No | - |
Questions about limiting information sharing?
Call us at 801-993-0400 or visit www.arivo.com.
If you are a new customer, we may start sharing your information 30 days after sending this notice. We may continue sharing even after you're no longer a customer.
* While federal law gives you the right to limit certain types of sharing, such as for marketing or affiliate business purposes, Arivo Acceptance, LLC does not share your information for these purposes.
Who We Are
Who is providing this notice?Arivo Acceptance, LLC
What We Do
How does Arivo Acceptance, LLC 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 / buildings.
We allow only employees with a relevant business need access to this information, and we require all partner companies to enact safeguards.
How does Arivo Acceptance, LLC collect my personal information?We collect your personal information when you:
- Apply for financing or give us your income information
- Provide employment history or provide account information
- Provide us with your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other reporting firms.
Why can't I limit all sharing?
Federal law gives you the right to limit:
- 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 may give additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.
Definitions
- Affiliates
- Companies related by common ownership or control. Can be financial and non-financial companies.
- Our affiliates can include the Garff Enterprises, Inc. group of companies.
- Non-affiliates
- Companies not related by common ownership or control. Can be financial and non-financial companies.
- Non-affiliates we share with can include auto dealerships, service providers, and data processors.
- Joint Marketing
- A formal agreement between non-affiliated financial companies that, together, market financial products or services to you.
- We do not have any joint marketing agreements.
You may have other protections under state laws. Arivo Acceptance, LLC will comply with those protections.
US Privacy Rights
Your US State Privacy Rights
This section applies to United States residents pursuant to applicable US state consumer privacy laws (including but not limited to those in California, Texas, Colorado, Virginia, and others).
Categories of Personal Information Collected
In the preceding 12 months, we have collected the following categories of personal information:
- Identifiers: Name, postal address, IP address, and email address.
- Sensitive Personal Information: Social Security Number and driver's license or state identification.
- Commercial Information: Account balances and payment history.
- Internet or Other Electronic Network Activity: Browsing and search history, and information regarding your interaction with our website or app.
- Professional or Employment Information: Job history, employer name, and income details.
Your Rights and Choices
US residents have following rights regarding their personal information:
- Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you.
- Right to Delete: You have the right to request that we delete your personal information, subject to certain legal exceptions.
- Right to Correct: You may request the correction of inaccurate personal information we maintain about you.
- Right to Opt Out of Sale or Sharing: We do not sell your personal information or share it with third parties for cross-context behavioral advertising.
- Right to Limit the Use of Sensitive Personal Information: You have the right to direct us to limit the use of your sensitive personal information to only those purposes necessary to perform the services you requested.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.
How to Exercise Your Rights
To exercise your rights to know, delete, or correct your information, please submit a request by:
- Calling us at: 801-993-0400
- Visiting our website at: www.arivo.com
- Emailing us at: wecare@arivo.com
*To protect your information, we will verify your identity by matching at least three data points provided in your request against our internal records.
Appeals: If we decline to take action on your privacy request, residents of certain states (e.g., Virginia, Colorado, and Texas) may appeal our decision within 45 days by contacting us at wecare@arivo.com.
Data Retention
We retain the personal and sensitive personal information collected as long as necessary to fulfill the purpose for which it was collected, including for the purpose of satisfying any legal, accounting, or reporting requirements. We generally retain loan-related data for 7 years post-loan closure. If your application is denied or withdrawn, we will retain this information for 5 years from the date of the final decision to comply with federal and state lending regulations and record-keeping requirements.
Global Privacy Control (GPC) & Do Not Track (DNT)
Our website is configured to recognize and respect your browser's automated privacy settings. We will automatically opt you out of targeted advertising and data sharing if your browser sends either of the following signals:
- Global Privacy Control (GPC)
- Do Not Track (DNT)