California-Privacy-Statement

California Consumer Privacy Statement

Effective: June 1, 2021

This California Consumer Privacy Statement (“Statement”) supplements the VFS US LLC Privacy Policy and applies solely to California consumers. This Statement does not apply to Volvo Financial Services (“VFS”) personnel or job applicants. This Statement also does not apply to personnel of our business customers or dealers.

This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”).

1. Notice of Collection and Use of Personal Information

We may collect (and may have collected during the 12-month period prior to the effective date of this Statement) the following categories of personal information about you:

Identifiers: identifiers such as a real name, postal address, unique personal identifier (such as a device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology; customer number, telephone number and other forms of persistent or probabilistic identifiers), online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, and other similar identifiers

Additional Data Subject to Cal. Civ. Code § 1798.80: signature, state identification card number, insurance policy number, education, bank account number, credit card number, and other financial information

Protected Classifications: characteristics of protected classifications under California or federal law, such as age, sex, gender, marital status, citizenship status, and military and veteran status

Commercial Information: commercial information, including records of personal property

Online Activity: Internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications or advertisements

Sensory Information: audio, electronic, visual, and similar information

Employment Information: professional or employment-related information

Inferences: inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

We may use (and may have used during the 12-month period prior to the effective date of this Statement) your personal information for the purposes described in our VFS Privacy Policy and for the following business purposes specified in the CCPA:

Identifiers: identifiers such as a real name, postal address, unique personal identifier (such as a device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology; customer number, telephone number and other forms of persistent or probabilistic identifiers), online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, and other similar identifiers
Additional Data Subject to Cal. Civ. Code § 1798.80: signature, state identification card number, insurance policy number, education, bank account number, credit card number, and other financial information
Protected Classifications: characteristics of protected classifications under California or federal law, such as age, sex, gender, marital status, citizenship status, and military and veteran status
Commercial Information: commercial information, including records of personal property
Online Activity: Internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications or advertisements
Sensory Information: audio, electronic, visual, and similar information
Employment Information: professional or employment-related information
Inferences: inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytics services, or providing similar services
Auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance
Short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
Debugging to identify and repair errors that impair existing intended functionality
Undertaking internal research for technological development and demonstration
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us

2. Sources of Personal Information

During the 12-month period prior to the effective date of this Statement, we may have obtained personal information about you from the following categories of sources:

Directly from you, for example, when you act as a guarantor on a business loan or lease agreement and provide us with your contact information
Your devices, such as when you visit our website
Other individuals, for example, when one of our business customers lists you as a credit reference, guarantor or includes you on a joint personal financial statement
Banks and other creditors and lenders
Our affiliates and subsidiaries
Government entities
Data brokers

3. Sale of Personal Information

We do not sell your personal information in exchange for monetary compensation. We may allow certain third parties (such as online advertising services) to collect your personal information via automated technologies on our Site in exchange for non-monetary consideration. We share the categories of personal information listed below to serve you content and advertisements that may be of interest to you. You have the right to opt out of this disclosure of your information, which may be considered a “sale” under California law.

During the 12-month period prior to the effective date of this Statement, we may have sold the following categories of personal information to the following categories of third parties:

Category of Personal Information	Category of Third Party
Identifiers	Online advertising services and advertising networks Social networks Data brokers
Online Activity	Online advertising services and advertising networks Social networks Data brokers
Inferences	Online advertising services and advertising networks Social networks Data brokers

We do not have actual knowledge that we sell personal information of minors under 16 years of age.

4. Sharing of Personal Information

During the 12-month period prior to the effective date of this Statement, we may have shared your personal information with certain categories of third parties, as described below.

We may have disclosed the following categories of personal information about you for a business purpose to the following categories of third parties:

Category of Personal Information	Category of Third Party
Identifiers	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms Online advertising services and advertising networks Internet service providers Data analytics providers Operating systems and platforms Social networks Data brokers
Additional Data Subject to Cal. Civ. Code § 1798.80 Law	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms
Protected Classifications	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms Online advertising services and advertising networks Internet service providers Data analytics providers
Commercial Information	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms
Online Activity	Our affiliates and subsidiaries Vendors who provides services on our behalf Professional services organizations, such as auditors and law firms Online advertising services and advertising networks Internet service providers Data analytics providers Operating systems and platforms Social networks Data brokers
Sensory Information	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms Online advertising services and advertising networks Internet service providers Data analytics providers Operating systems and platforms Social networks
Employment Information	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms Internet service providers
Inferences	Our affiliates and subsidiaries Vendors who provides services on our behalf Syndication banks Professional services organizations, such as auditors and law firms Online advertising services and advertising networks Internet service providers Data analytics providers Operating systems and platforms Social networks Data brokers

In addition to the categories of third parties identified above, during the 12-month period prior to the effective date of this Statement, we may have shared personal information about you with government entities, such as in response to a request from law enforcement authorities.

5. California Consumer Privacy Rights

You have certain choices regarding your personal information, as described below.

Access: You have the right to request, twice in a 12-month period, that we disclose to you the personal information we have collected, used, disclosed and sold about you during the past 12 months.

Deletion: You have the right to request that we delete certain personal information we have collected from you.

Opt-Out of Sale: You have the right to opt-out of the sale of your personal information.

How to Submit a Request. To submit an access or deletion request please contact us at vfs.us.dataprivacy@vfsco.com or call us at 877.865.8623, extension 3905. To opt-out of the sale of your personal information in connection with third-party advertising cookies and similar technologies on our Site, click here or email us at vfs.us.dataprivacy@vfsco.com.

To submit a request as an authorized agent on behalf of a consumer, please email us at vfs.us.dataprivacy@vfsco.com. For questions or concerns about our privacy policies and practices, please contact us as described in the How to Contact Us section of our Privacy Policy.

Verifying Requests. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. If you do not have an email address or other direct contact information on file with us (e.g., if you passively visit our website), then there is no reasonable method by which we can verify your identity to the level of certainty required by the CCPA. The reason for this is that VFS historically has not linked IP addresses, device identifiers or other information collected through automated means to named actual persons. Accordingly, if you do not have an email address or other direct contact information on file with us, and you request access to or deletion of your personal information, we will not be able to process your request at this time.

If you have an email address or other direct contact information on file with us, and request access to or deletion of your personal information, we may require you to provide any of the following information: last four digits of SSN, billing address, business phone number, guarantors/co-makers listed on the account, and/or name of customer’s dealer. In addition, if you ask us to provide you with specific pieces of personal information, we will require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request.

Additional Information. If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.