Legal
Privacy Policy
Last updated October 12, 2026
Who this policy covers
This policy applies to Prime Auto USA (PPOC LLC), 1377 US Highway 45 Bypass South, Jackson, TN 38305 ("Prime Auto USA," "we," "us"), to this website and the customer portal we operate, and to our calls, text messages and emails. Prime Auto USA sells vehicles and, as the creditor, finances many of the vehicles it sells.
Information we collect
- Information you give us. Name, address, telephone number, email address, date of birth, employment and income history, residence history, driver license details, and Social Security number when you submit a credit application.
- Documents you upload. Proof of income, proof of residence, government identification, payoff quotes and other documents you send in support of an application or trade-in.
- Financial and account information. Bank account and transaction information when you choose to connect an account through our third-party verification provider, payment information processed by our payment providers, consumer reports, and the payment history and status of any account you have with us.
- Vehicle information. VIN, mileage, condition and photographs for a trade-in or service appointment, and insurance information for a financed vehicle.
- Communications. Records of calls, text messages, chats and emails with us, including call recordings and transcripts, and your contact consent choices (see Calls, recordings and our AI assistant below).
- Website information. Pages viewed, vehicles viewed or saved, referring site, device and browser information, and IP address.
We store a random visitor ID in your browser so we can remember the pages, vehicles and chats from your earlier visits; if you later give us your name, phone or email, we connect that earlier activity to your record. Visits never connected to a name are deleted 180 days after your last visit, and clearing your browser's site data removes the ID.
How we use it
- To evaluate a credit application and verify the information in it.
- To arrange financing, prepare documents and complete a sale.
- To service your account: payment reminders, past-due and collection communications, insurance and title matters, and service scheduling.
- To respond to you and to keep a record of what was said.
- To meet legal, regulatory and recordkeeping obligations.
- To send you marketing calls, texts and emails where you have consented or the law otherwise allows, and to improve the website.
How we share it
We share personal information with consumer reporting agencies, service providers who work on our behalf (document storage, identity and income verification, payment processing, communications and call handling), vehicle history and valuation providers, insurers, any lender, finance source or assignee involved in your financing, and government agencies where required by law. We do not sell personal information.
Financial privacy notice (credit applicants and financing customers)
Federal law (the Gramm-Leach-Bliley Act) gives consumers who apply for or obtain financing from us the right to know how we collect, share and protect their nonpublic personal information, and to limit some sharing.
- What we collect: the application, account, payment history, consumer report and identity information described above.
- How we share it: only as the law permits for our everyday business purposes: to process your application and transaction, service and collect your account, report to consumer reporting agencies, respond to court orders and legal investigations, prevent fraud, and work with service providers bound to keep it confidential.
- What we do not do: we do not sell it, and we do not share it with nonaffiliated third parties for their own marketing. Because we do not share in ways the law lets you limit, there is nothing you need to do to limit sharing. If that ever changes, we will notify you first and give you a way to opt out.
- How we protect it: see Security below.
- Questions: call (731) 624-1000 or email collections@primeautousa.com.
Financing customers also receive our privacy notice with their contract documents. If anything in that notice differs from this summary, that notice controls for your account.
Credit applications and your Social Security number
A Social Security number submitted on a credit application is stored separately from the rest of the application, encrypted, and access is restricted to staff whose role requires it. Every access is recorded. Only underwriting can issue an approval, conditional approval, decline or final terms, and only after a full review.
Bank information through Plaid
If you choose to connect a bank account during your application, we use Plaid Inc. (“Plaid”) to receive your account names and types, the last four digits of your account numbers, balances, up to 180 days of transactions, the account holder's name and contact details as your bank has them, and income deposits Plaid identifies. We use it only to verify your income and ability to pay. Plaid's End User Privacy Policy (plaid.com/legal) explains how Plaid handles your information. We keep this information with your application file for at least 25 months after we act on your application, as federal lending rules require, and longer while you have a loan with us, then delete it. We disconnect your bank from Plaid within 30 days after your application is declined or closed, or sooner if you ask. To request a copy or deletion of your information, email credit@primeautousa.com; we respond within 30 days, keeping only what the law requires us to keep.
Calls, recordings and our AI assistant
Calls to and from Prime Auto USA may be recorded and monitored for quality, training and to keep an accurate record of your account. Some calls are answered or placed by our AI phone assistant, "London," which uses an artificial (computer-generated) voice. You can ask to speak with a person at any time.
With your consent, we and those acting for us may contact you at the numbers you give us, including cell phones, by automated or autodialed calls, prerecorded or artificial (AI) voice calls, and text messages. When you apply for or obtain financing, you agree on the credit application to calls and texts about your application and account (status, documents, payment reminders, past-due amounts and collection, insurance, title and service). Our forms ask separately, each with its own optional, unchecked box: one for service texts (your inquiry, credit application and appointments, and payment reminders and account notices if you buy or finance with us), one for marketing texts about vehicles, specials and offers, and one for calls made with automated technology, prerecorded messages or our AI voice assistant. Marketing texts are sent only if you checked the marketing text box. No box is ever a condition of any purchase or credit.
Stopping calls and texts
You can withdraw consent at any time, in any reasonable way: reply STOP (or a word such as QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE or OPT OUT) to any text, tell the person or assistant on a call, call us at (731) 624-1000, email collections@primeautousa.com or sales@primeautousa.com, or write to us at the address below. We honor requests promptly and no later than 10 business days after we receive them. We may send one text confirming your opt-out.
Withdrawing consent stops automated, prerecorded and artificial-voice calls and texts. It does not cancel any amount owed or change your contract, and we may still contact you about your account by mail, by email, or by a call placed by hand by a staff member, as the law allows.
Do Not Call policy
We maintain an internal do-not-call list. If you ask us not to make marketing calls or texts to you, we add your number to that list, stop marketing calls and texts to it within 10 business days, and keep the request on file for at least five years. Staff who contact customers are trained on this policy. We make marketing calls and texts only to people who have given us their consent or with whom we have an established business relationship as the law defines it, and we check numbers against the National Do Not Call Registry where the law requires. A copy of this policy is available on request.
Text messaging and mobile information
If you agree to receive text messages from Prime Auto USA, we use your mobile number only to send the messages you agreed to. We do not sell, rent, or share your mobile phone number or text messaging consent with third parties or affiliates for their marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third party, except service providers that help us deliver messages (such as our messaging carrier), who may use it only for that purpose.
You can opt out at any time by replying STOP to any message. Reply HELP for help, or call 731-624-1000. You can also email sales@primeautousa.com for help.
We run two text programs, and you opt in to each separately: service texts about your inquiry, your credit application, your appointments and, if you buy or finance with us, payment reminders and account notices; and marketing texts about vehicles, specials and offers. Message frequency varies. Message and data rates may apply. Full program terms are in the SMS section of our Terms of Use.
Reply STOP to any message to stop receiving texts. Reply HELP for help, or call us at (731) 624-1000. Opting out of text messages does not affect your application, and consent to receive text messages is not a condition of any purchase or of financing.
We record when, where and how consent was given (the wording shown, the page, the time, the device's IP address and browser, and the phone number), and we honor an opt-out as described above. If a number is later reassigned to someone else, that opt-out stays with the number.
Marketing emails from Prime Auto USA identify us as the sender, include our postal address, and contain a working unsubscribe link. We honor unsubscribe requests within 10 business days. Transactional and account emails — application status, document requests, payment notices, receipts, statements and other messages about a transaction or account you have with us — are not marketing and continue after you unsubscribe from marketing email.
How long we keep it
We retain application records, uploaded documents, consent records, call records and access logs for the period required by applicable law and our record retention schedule, and then dispose of them securely.
Your choices
- You may opt out of marketing email at any time using the unsubscribe link, and out of calls and text messages as described in Stopping calls and texts above.
- You may ask us to correct information we hold about you, or ask what we hold, by contacting us using the details below.
Security
We use administrative, technical and physical safeguards to protect personal information, including encryption of sensitive fields, role-based access control, and logging of access to sensitive records. No method of transmission or storage is completely secure.
Children
This website is not directed to children under 13 and we do not knowingly collect their personal information. Our text messaging program is for people 18 and older.
Changes
We may update this policy. The date at the top shows when it was last revised.
Contact us
Prime Auto USA (PPOC LLC)
1377 US Highway 45 Bypass South, Jackson, TN 38305
(731) 624-1000
Sales: sales@primeautousa.com
Accounts and payments: collections@primeautousa.com