Your Privacy Rights
The Online Policy is effective as of 4/1/08.
Changes to the Online Policy
We reserve the right to amend the Online Policy at any time in order to address future developments of the Saturn companies, the Site or changes in industry or legal trends. We will post the revised Online Policy on the Site or announce the change on the home page of the Site. If we make changes to the Online Policy, we will revise the “Effective Date” section above. Any changes to this Online Policy will become effective upon the posting of the revised Online Policy on the Internet, accessible through the Site. By continuing to use the Site following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Online Policy, as it may be amended from time to time, in whole or in part, please do not continue using this Site. If you have any questions or comments about the Online Policy, please feel free to contact us at webmaster@Saturn422.com.
Types of Information Collected
We collect Personal Information and Aggregate Information from visitors to the Site. We use the term “Personal Information” to mean any information that can identify a specific individual. We use the term “Aggregate Information” to refer to any information that does not allow us to identify a specific individual, such as demographic information, areas visited on the Site or what browser was used to access the Site.
We collect various types of Personal Information from visitors to the Site, such as name, address, email address, phone number, mother’s maiden name, Social Security number, date of birth, driver’s license, employment, income, residence, and collateral information.
We may gather and store Aggregate Information about visitors, such as domain and Web browser information. The collection of this Aggregate Information enables us to measure the number of visitors to various portions of the Site, diagnose problems with our Site, administer the Site, and track visitor activity. We will use this Aggregate Information to learn more about what you and our customers are expecting from our services, and tailor and improve the Site. Because Aggregate Information collected on the Site does not personally identify you, we may use Aggregate Information for any purpose whatsoever, and share Aggregate Information with third parties for any purpose whatsoever.
We use temporary “session” cookies to enable our customers to navigate more easily within our Site during an online session. These cookies are deleted once you close your Internet browser. We may also use “persistent” cookies to allow you to set and maintain your preferences for using our Site. Persistent cookies remain in your computer’s memory after you close your Internet browser. These cookies help us to know how many visitors link to our Site from a third-party Web site, which areas of our Site visitors use most often, and how much time visitors spend at our Site. We provide this type of Aggregate Information to a nonaffiliated application service provider that compiles statistical information for us. We then use this information to improve our Site.
You can block cookies by changing the settings on your Internet browser or through the use of software programs specifically designed to block cookies. You can also remove cookies by deleting them from your Temporary Internet folder or your Cookies folder.
In addition, we may collect data by using so-called “pixel tags,” “clear GIFs” or similar means (collectively, “Pixel Tags”) embedded in the Site’s content. A Pixel Tag is an electronic image, often a single-pixel (1x1), that is ordinarily not visible to Site visitors and may be associated with cookies on the visitors’ hard drives. The data we may collect includes which operating system and browser you use, screen resolution and other technical information, demographic information, how you navigate to and through our Site, and how long you stay on our web pages. This information is anonymous and does not include Personal Information. Collection of this data enhances Saturn’s ability to meet the needs of online users and make improvements to the online experience.
Our Use of Personal Information
We use Personal Information provided by Site visitors to fulfill the purpose for which such information was provided, consistent with our Customer Notice (such as to open an account, apply for a loan, or process products, services, or transactions requested or authorized by you), to send you information we think may be of interest to you, evaluate your suitability for a job if you apply on line through the Careers section of our Site, or as specifically disclosed at the time the information is requested.
We also may remove identifiers from Personal Information or aggregate that information to make it anonymous. We will use such Aggregate Information as described in the section “Aggregate Information.”
Disclosure of Personal Information
We may disclose Personal Information, as permitted by law, and: (1) consistent with our Customer Notice; (2) to comply with applicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with valid legal process; (5) to protect the rights, privacy, safety or property of Saturn; (6) to permit us to pursue available remedies or limit damages that we may sustain; and (7) to enforce our rights resulting from inappropriate use of the Site.
In the event there is a change in the corporate structure of Saturn such as, but not limited to, merger, consolidation, sale, liquidation, or transfer of substantial assets, Saturn may, in its sole discretion, transfer, sell or assign information collected on and through this Site, including without limitation, Personal Information concerning visitors, to one or more affiliated or unaffiliated third parties.
Please refer to the sections of the Customer Notice that describe disclosures of customer information for further information on how we may disclose Personal Information about customers and former customers.
Your Choice About Receiving Promotional Emails
Visitors may choose not to receive promotional emails or electronic newsletters from us by following the “unsubscribe” or “remove” instructions in the specific email from which they wish to opt-out. We will respond to a request made pursuant to thismethod as promptly as practicable. Even if you elect to stop receiving promotional emails from us, we may still contact you to tell you important information about the Site or us.
Maintaining Accuracy in Online Information
We strive to maintain complete and accurate online information about you and your accounts. If you believe that our online records contain inaccurate or incomplete information about you, please call us at (330) 544-2000. We will correct any confirmed inaccuracies as necessary and appropriate.
Notice Regarding Children’s Information
We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children.
Safeguarding Personal Information
We employ appropriate safeguards to protect Personal Information that you provide to us through our Site. Unfortunately, no method of transmitting or storing data can be guaranteed to be 100% secure. As a result, although we strive to protect Personal Information, we cannot ensure the security of any information you transmit to us through or in connection with the Site. If you have reason to believe that your interaction with us is no longer secure, please notify us of the problem by contacting us at email@example.com
In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email.
We may include links in our emails that link you to information on our Web site about our products, services, and special pricing or promotional offers. However, we will never ask you for Personal Information in an email from us (for example, username, password, Social Security number or account number). We will also never include links that take you to a non-secure page where you are asked to provide this information. To determine whether an email that you have received from Saturn is legitimate, you may contact our Customer Service Center at (330)544-2000.
If you receive an email or other correspondence requesting that you provide any sensitive information via email or to a Web site that does not seem to be affiliated with the Site, or that otherwise seems suspicious to you, please do not provide such information and report such request to us at webmaster@Saturn422.com.
Notice Regarding Web Linking Practices
We provide access to information, services, and products through Web sites that are owned or operated by other companies (“third-party Web sites”). We have carefully chosen a number of other companies to provide information, services, and products, in hopes of bringing you the value and service you expect from Saturn.
We endeavor to provide you with information, services, and products from trustworthy third-party companies; however, we cannot endorse, approve or guarantee information, products, services or recommendations provided at any third party’s Web site. Because we may not always know when information on a third-party site changes, we are not responsible for the content or accuracy of any third-party Web site. We have no responsibility or liability for your visitation to, and the data collection and use practices of, other sites.
We have also established co-branded relationships with other parties on the Internet to offer you information, services, and products. You can identify that you are at a co-branded Web site through the use of a hyperlink, when you see the words “brought to you by”, “powered by”, or “provided by”, or the logo of a different company is visible in a prominent location on the web page. We do not own the companies that we have chosen to develop a co-branded relationship with, and we do not control how those companies use any information you supply them.
Notice Regarding the Use of Online Surveys and Sweepstakes
Online surveys and sweepstakes are offered from time to time on the Site. Online surveys are used so that we can gather information to better serve you. Based on the information you provide to us, we may inform you of accounts and services from Saturn. You are not required to complete online surveys, sweepstakes or promotions. You should carefully review the rules of each sweepstakes or promotion in which you participate through the Site, as they may contain additional important information about Saturn’s use of Personal Information about you. To the extent that the terms and conditions of each sweepstakes or promotion concerning treatment of your Personal Information conflict with this Online Policy, the terms and conditions will control.