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Effective July 28, 2014
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our customers. We, our, and us means Prestige Financial Services, Inc. and/or 888DropMyRate where applicable. When we use the words “you” and “your” we mean consumer customers who have either: (1) submitted an application to Prestige Financial Services, Inc. and/or 888DropMyRate to obtain an extension of credit or (2) secured a loan from Prestige Financial Services, Inc. and maintain a customer account with us. Note that our policy regarding disclosure of nonpublic personal information to nonaffiliated third parties is different for each type of customer as discussed in detail below. We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.
The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.
THE INFORMATION THAT WE COLLECT
We collect nonpublic information about you from the following sources:
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to instruct us not to disclose this information.
TYPES AND AFFILIATES
We may disclose nonpublic personal information about you to the following types of affiliates:
Reasons For Disclosures
Here is why we may disclose nonpublic personal information about you to our affiliates:
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Customers Applying For An Extension Of Credit
We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:
The nonpublic personal information we may disclose to nonaffiliated third parties:
Reasons why we may disclose nonpublic personal information about you to our nonaffiliated third parties:
You have a right to prevent the disclosure of this information to nonaffiliated third parties by “opting out” of the disclosure. You may exercise your right to “opt-out” of the disclosure of this information to nonaffiliated third parties by selecting “Decline” on this website’s application for an extension of credit, or by failing to sign a physical application for an extension of credit. In the event that you “opt-out” of the disclosure of this information to nonaffiliated third parties, your application for an extension of credit will not be accepted or processed by 888DropMyRate.
We do not sell customer information to third parties nor do we share customer information with outside parties who may wish to market their products to you. You do not have to take any action to instruct us to keep your information confidential. We will protect your privacy automatically.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
Effective July 28, 2014
Please read the following to understand the role and function of the website 888DropMyRate (‘This Site’):
This Site is intended for, and made available to, residents of the United States only, 18 years of age or older.
Prestige Financial makes no warranties or representations regarding the information contained in This Site, which is provided to promote and provide information about Prestige Financial. The materials contained herein are provided on an ‘as is’ and ‘as available’ basis without warranties of any kind, either express or implied. This Site disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, and fitness for a particular purpose, title, and non-infringement. This Site does not represent or warrant that materials in This Site are accurate, complete, reliable, current, or error-free. This Site does not represent or warrant that This Site or its server(s) are free of viruses or other harmful components. The documents and related graphics published on this server could include technical error inaccuracies or typographical errors. Changes are periodically added to the information herein. The names and accompanying cities or states of individuals presented as customers may have been changed. This Site and its vendors and/or suppliers may make improvements and/or changes in the documents and/or graphics described herein at any time. The rules, regulations, and statutory references to legal and ethical requirements at This Site are subject to revision and interpretation. Unless otherwise noted, we make no representation, warranty or claim that the information available here is current or accurate. This Site is not responsible for any errors or omissions in the resources or information available at or from This Site. All opinions and information and/or materials are offered for promotional and/or information purposes only. Audio/video footage and their respective transcripts present on This Site include statements made by paid actors, statements which are the opinions of Prestige Financial and are provided for promotional purposes only. The credit reporting agencies referred to may change their proprietary reporting and scoring methods from time to time, and statements made on This Site regarding credit reports and credit scores solely reflect the best knowledge of Prestige Financial. Prestige Financial is not a licensed attorney or financial advisor in any state. For further information about your finances and laws relating to consumer credit, consult a licensed attorney or financial advisor.
Sharing of Information:
Rate Reduction RewardsSM Program:
In order to qualify for a 0.25 percent rate drop every three months (up to 1 percent per year), the Program requires that the Customer:
In order for the Customer to qualify for a 0.5 percent rate drop every three months (up to 2 percent per year), the Customer must meet the 0.25 percent rate drop requirements and:
The minimum interest rate allowed under the program is 14 percent. All customers with interest rates less than or equal to 14 percent do not qualify for the Rate Reduction Program.
All promotional offers are On Approved Credit. Must be 18 or older. Finance amount cannot exceed 145% of wholesale book value plus tax, license, aftermarket warranty and approved options of vehicle being financed. Terms of approval including interest rate, loan term, monthly payment, down payment requirements and qualifying vehicle determined according to applicant’s credit history and financial capacity and subject to lender discretion. Lender may stipulate with approval that derogatory accounts be brought current. All offers subject to change and/or termination at any time and without notice.
Notice to recipients of 888DropMyRate advertising via mail: You may have been pre-qualified for an offer from Prestige Financial based upon information obtained from the U.S. Bankruptcy Courts, or you may have received a firm offer of credit from Prestige Financial based on information in a pre-qualifying report from a credit-reporting agency. You may exercise your right to prohibit the use of information contained in your credit file with any credit-reporting agency for all future credit transactions not initiated by you by calling the credit reporting agencies that provide pre-qualifying reports toll free at 1-888-567-8688. You may remove your name from promotional advertising lists used by 888DropMyRate alone by calling toll free 1(888) 376-7697.
Disclosure and Offer Information:
MONTHLY SAVINGS/ADDITIONAL INTEREST FOR LONGER TERMS AND EXTENDED FIRST PAYMENTS/SIMPLE INTEREST CONTRACTS:
Savings claims based on monthly payment savings alone. If approved, lower monthly payment may result from a lower interest rate, a longer term or both. Remaining term may be extended for additional monthly savings; however, extending the term or the first payment beyond 30 days will increase the total interest paid.
A reduced monthly payment does not mean that you will pay less overall with a new loan. If you choose to extend the new term from your remaining term for more monthly savings, you will pay more in interest and have more monthly payments which will impact any savings from a reduced monthly payment. Savings may vary and your savings may be different.
SITE TERMS AND CONDITIONS
Effective July 28, 2014
Please read the following to understand the terms and conditions associated with the use of this website:
Prestige Financial Services, Inc. maintains the site 888DropMyRate.com (‘This Site’) for your personal information, education, and communication. While you should feel free to browse This Site, please understand that your access to and use of This Site is subject to the following terms and conditions (‘Terms and Conditions’) and all applicable laws. By accessing and browsing This Site, you accept, without limitation or qualification, the Terms and Conditions and acknowledge that any other agreements between you and Prestige Financial concerning This Site are superseded to the extent they conflict with these Terms and Conditions. Your use of or linking to any message, data, information, text, graphic or other material (‘Content(s)’) on This Site, except as provided in these Terms and Conditions is strictly prohibited. Terms and Conditions
Please direct legal notices to:
1420 South 500 West
Salt Lake City, UT 84115