Privacy and Legal
You can trust us to respect your privacy.
Please read this information carefully and print a copy and/or retain this information electronically for future reference.
Our Collection of Information
We collect nonpublic personal information about you from the following sources:
- Information that you provide, or that others provide on your behalf, on applications or other forms, such as your name, mailing address, e-mail address(es), Social Security number, telephone number(s), driver's license number, employer, assets, income, liabilities and personal references;
- Information about your transactions and dealings with us, our affiliates, or others, such as account balances, payment histories, services provided to you, and transaction parties;
- Information we receive from a consumer reporting agency, such as your credit history, credit capacity, account balances and account numbers;
- Information we receive from motor vehicle dealers and others, such as vehicle information, vehicle financing and insurance information, goods and services provided to you, and transaction parties; and
- Information collected in connection with our Web site.
Our Use of Information
We use nonpublic personal information about you to meet your requests for financial products and services, administer accounts, develop new financial products and services, and comply with legal requirements. We also use nonpublic personal information about you to determine which products or services might interest you.
Information we May Disclose to Affiliates Within Our Family of Companies
One category of information about you is based on our direct transactions, experiences and dealings with you, such as your identification and contact information, loan or application status, loan balances, or payment history (what we refer to as “Transaction Information”). Another category of information about you is not based directly on our transactions or experiences with you, such as information about you provided by a consumer reporting agency or information about your income, assets, or liabilities that you provide in your application (“Other Information”).
We may share Transaction Information and Other Information within the family of companies related to us by common control or ownership (our “Affiliates”), both for our everyday business purposes and in connection with products and services they might offer.
As explained below, you may opt-out and direct us not to share Other Information about you with our Affiliates for everyday business purposes and connected with products or services they might offer.
As explained below, you may also opt-out and direct us not to share Transaction Information about you with our Affiliates in connection with products or services they might offer. Any opt-out instructions you provide will not prevent us from sharing Transaction Information about you with our Affiliates for everyday business purposes, to the extent the sharing is otherwise permitted by law.
Information we May Disclose to Nonaffiliated Third Parties
We may disclose all of the information we collect about you, as described above, to companies that perform marketing and other services for us or on our behalf. The companies that perform services for us or on our behalf may include providers that prepare account invoices or statements, help us service accounts and applications, promote or market our products, or provide computer and systems support and other services.
With your consent or at your direction, we may disclose nonpublic personal information about you to nonaffiliated automobile dealers participating in our RoadLoans program and nonaffiliated financial institutions and creditors that may be able to provide you with a financial product or service that we cannot or do not provide. If we make these disclosures, we may receive compensation.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Confidentiality and Security
We maintain appropriate physical, electronic and procedural safeguards to protect the security of consumer information and comply with applicable federal standards. Our employees receive training regarding the importance of confidentiality and customer privacy. We restrict access to consumer information to those employees who have a legitimate business purpose for using such information.
Additional Rights; State Law Notices to California, Vermont and Texas Residents
Some states may provide additional privacy protections under existing or future state laws.
California Residents: If our records indicate that you have a California address, we will not disclose information about you with nonaffiliated third parties or with Affiliates, except as authorized by you or as otherwise permitted by applicable California and federal law. Any authorization you give must be in writing or, if you agree, in electronic form.
Vermont Residents: If our records indicate that you have a Vermont address, we will not disclose information about you with nonaffiliated third parties or with Affiliates, except as authorized by you or as otherwise permitted by applicable Vermont and federal law. Any authorization you give must be in writing or, if you agree, in electronic form. If we disclose information about you to financial services providers that participate in joint marketing programs with us, the information we share will be limited to your name, contact information, and our own transactions or experiences with you.
Texas Residents: We are registered under the laws of the State of Texas and are subject to regulatory oversight by the Office of Consumer Credit Commissioner. If you wish to file a complaint against Santander Consumer USA Inc., you should contact the Office of Consumer Credit Commission at 2601 North Lamar Boulevard, Austin, Texas, 78705-4207 or by telephone at 800-538-1579.
Your Right to Choose
If you do not want us to disclose Other Information about you to our Affiliates, or disclose Transaction Information about you to our Affiliates in connection with products and services they might offer, you may opt out and direct us not to make those disclosures (except for disclosures otherwise permitted by law for everyday business purposes). Opt-out instructions that any of you provide in connection with a joint account or relationship will be treated as an opt-out instruction by each of you for purposes of that joint account or relationship. To opt out and direct us not to disclose this information to our Affiliates, you may: (1) call us toll-free at 888-222-4227; or (2) mail your written opt-out instructions to us using the opt-out form provided below, addressed to Santander Consumer USA Inc., P.O. Box 562088, Suite 900, Dallas, TX 75247.