• You provide in requests for financial services and products (e.g. name, address, phone number). 
  
  
• We receive from others on your behalf on applications, forms and other means.
  
  
• From transactions or experiences with us or others (e.g. the services provided, how you perform on your account) 
  
  
• From consumer reporting agencies (e.g. credit history) 
  
  
• From outside sources such as motor vehicle dealers, employers and others (e.g. vehicle financing information, employment status, verification information).

Safeguarding customer information is important to us. We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. These safeguards are in place to maintain the accuracy of customer information and to protect it from loss, misuse, or alteration. Customer information is accessible only by appropriate personnel who have a business need for the information. We provide training and communication programs to educate our personnel about the meaning and requirements of this privacy policy.

We use customer information in order to: fulfill your requests for financial products and services, such as vehicle financing; administer your account with us; develop new financial products and services of value to you; and to comply with legal requirements. We also use customer information to determine which products or services might be of interest to you. We may make these products and services available to you directly or through cooperation with others. In striving to serve you, we sometimes share customer information with others.

In order to provide you with the services requested and with other valuable financial products and services, we also share customer information with other companies. While we reserve the right to share any of the information we collect, the amount and type of information we share depends in part on the products or services to be provided and our relationships with these unrelated companies. Unrelated companies receiving customer information from us have entered or will enter agreements with us to protect the information they receive before information is provided. These agreements also limit the use of the information to providing services we request. Unless an agreement to protect customer information is in place, we do not share customer information with other companies except as permitted by law. We may share the customer information we collect about present and former customers with the following types of companies: 

• Select financial services providers who participate in joint marketing programs with us: such as motor vehicle dealers providing vehicle financing. 

• Financial service providers and non-financial companies who provide services for us or on our behalf, such as companies that help us service accounts. 

• Others, such as independent contractors or suppliers.

We’re dedicated to serving your needs and to respecting your choices related to privacy. We have described the importance of customer information, how we get it, and how we use it. We have indicated that we may share customer information with other unrelated companies, along with our reasons for sharing. No action is required to continue receiving the benefits of information sharing. However, if at any time you prefer that we not share customer information, you may instruct us not to share customer information about you (“opt out”).

To make your opt out choices known requires that you complete Nicholas Financial's Privacy Policy Form and return it to Nicholas Financial. The link that follows will provide you with a copy of Nicholas Financial's Privacy Policy Form in PDF format (To Access This Form Requires Adobe Acrobat Reader). 

Nicholas Financial's Privacy Policy Form

Supply all the requested information, check the appropriate boxes and mail the completed form to us at the address shown. Please complete the form carefully. We will not be able to honor opt out requests received on forms with information missing, forms with inaccurate information, or properly completed forms sent to any address other than the one shown on the attached form.