Consumer Privacy Notice

Rev. February 2015

FACTS

WHAT DOES KRUSE MOTORS

DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: n Social Security number n Account balances and transaction history n Credit history and credit scores n Income n Payment history When you are no longer our customer, we continue to share your information as described in this notice.

How?	All ﬁnancial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons ﬁnancial companies can share their customers' personal information; the reasons Kruse Motors chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Kruse Motors share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other ﬁnancial companies	Yes	No
For our afﬁliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our afﬁliates’ everyday business purposes— information about your creditworthiness	Yes	Yes
For our afﬁliates to market to you	Yes	Yes
For non-afﬁliates to market to you	Yes	Yes

Questions

Call (507) 337-7500 or go to https://www.krusemotors.com/inventory

Who we are
Who is providing this notice?	Kruse Motors, for itself and for VinSolutions, Inc.

What we do
How does Kruse Motors protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured ﬁles and buildings.
How does Kruse Motors collect my personal information?	We collect your personal information, for example, when you n Give us your contact information n Open an account n Apply for financing
Why can’t I limit all sharing?	Federal law gives you the right to limit only n sharing for afﬁliates’ everyday business purposes—information about your creditworthiness n afﬁliates from using your information to market to you n sharing for nonafﬁliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Deﬁnitions
Afﬁliates	Companies related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. n Kruse Motors does not share with our affiliates.
Nonafﬁliates	Companies not related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. n Nonaffiliates we share with can include automotive lenders, loan brokers, dealership software providers, and direct marketing companies
Joint marketing	A formal agreement between nonafﬁliated ﬁnancial companies that together market ﬁnancial products or services to you. n Kruse Motors doesn’t jointly market.
Other important information