California Privacy Notice

Effective January 1, 2020

Flagship Credit Acceptance LLC (“Flagship”) is providing this California Privacy Notice pursuant to the California Consumer Privacy Act (CCPA). It applies to consumers who are California residents, as defined in 18 California Code of Regulation §17014.

California Privacy Policy. The purpose of this California Privacy Policy is to provide California consumers with a description of Flagship’s practices regarding the collection, use, disclosure, and sale of personal information and of the rights of California consumers regarding their personal information.

California consumers have the right to:

To request information regarding the categories of personal information collected or specific pieces of personal information collected, call Flagship toll free at 800-900-5150 or submit a request online at https://www.flagshipcredit.com/contact-us. To designate an authorized agent to make these requests on the consumer’s behalf, submit a copy of the California Secretary of State registration, authorizing the designated agent to act on the consumer’s behalf.

Listed below are the categories of personal information subject to the CCPA that Flagship has collected about California consumers in the preceding 12 months, and the third parties to which Flagship has disclosed such information in the preceding 12 months.

Categories of Personal Information Subject to the CCPA Source Business Purpose Categories of Third Parties to whom Flagship has Disclosed
Personal identifying information of non-obligated consumers, such as name, address, and telephone numbers
  • Third party service providers; or
  • Consumer provided online or by phone
  • To locate a Flagship customer or collateral; or
  • To process a payment for a Flagship customer account
  • Investors
  • Third Party Debt Collectors
  • Payment Processors

Flagship does not sell to third parties any personal information subject to the CCPA, and it has not sold such information in the preceding 12 months. Additionally, Flagship does not sell personal information of minors under 16 years of age without affirmative authorization. For these reasons, Flagship does not provide a mechanism for California consumers to opt-out of the sale of their personal information.

Under the CCPA, Flagship is not required to delete the categories of personal information shown above. Thus, Flagship does not provide a mechanism for California consumers to request such information to be deleted from Flagship’s records or the records of third party service providers.

For questions or concerns regarding this California Privacy Policy or Flagship’s practices related to same, call Flagship toll free at (800) 900-5150 or submit a request online at https://www.flagshipcredit.com/contact-us.

This California Privacy Policy was last updated January 1, 2020.

Pre-Collection Notice. The purpose of this pre-collection notice is to inform California consumers, at or before the time Flagship collects personal information, of the categories of personal information to be collected from them and the purposes for which such categories of personal information will be used.

Categories of Information Business Purpose
Personal identifying information of non-obligated consumers, such as name, address, telephone numbers
  • To locate a Flagship customer or collateral; and
  • To process a payment for a Flagship customer’s account

Notice of Right to Opt-Out of Sale of Personal Information. The purpose of this notice of right to opt-out of sale of personal information is to inform California consumers of their right to direct Flagship to stop selling their personal information (“opt-out”). However, Flagship does not, and will not, sell any personal information subject to the CCPA, therefore, it does not provide a mechanism for California consumers to opt-out.

Notice of Financial Incentive. The purpose of this notice of financial incentive is to explain to California consumers each financial incentive Flagship may offer in exchange for the retention or sale of a California consumer’s personal information. Flagship does not offer financial incentives for this purpose.

Fair Lending Policy

Flagship Credit Acceptance LLC ("Flagship") is committed to maintaining a culture of fair lending throughout the organization. The Company adheres to a fair lending policy which requires that credit decisions be made without regard to a consumer’s race, color, religion, national origin, sex, gender identity, sexual orientation, military status, marital status, or age (provided that the consumer(s) has the capacity to enter into a binding contract); the fact that all or part of a consumer’s income derives from any public assistance program; the fact that the consumer(s) has in good faith exercised any right under the Consumer Credit Protection Act; any other prohibited basis under federal, state, or local law; or any other factor that is not related to the consumer’s credit worthiness and ability to repay (the “Fair Lending Policy”). The Fair Lending Policy applies to all aspects of Flagship's operations and all services offered by Flagship. It applies across all of Flagship's credit operations, including marketing, underwriting, origination, processing, servicing, collection, loss mitigation, and payoff activities, and it also applies to all personnel who work for or on behalf of Flagship, whether as associates, officers, members of the Board of Directors, agents, representatives or service providers.

Should you have any questions about the details of any of Flagship's policies, please contact us at 1.800.900.5150 M-F, between 9:00 a.m. and 5:00 p.m. EST.

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Our Lending Philosophy

A borrower is more than just a credit score. At Flagship, we focus on the story behind the customer …and look beyond the number.

Life happens. Whether low credit scores are a result of past circumstances, one-time events or just bad luck, Flagship offers multi-tiered pricing structures to finance borrowers across the credit spectrum.

At Flagship we believe a borrower’s credit past shouldn’t dictate their future.

Many borrowers need a second chance. We recognize the vast majority of persons with credit challenges are working hard to re-establish their credit rating. Each of our Credit Analysts are trained in "common sense" lending, a philosophy of reviewing all the circumstances and determining the appropriate deal structure for the specific borrower situation. Flagship maintains a very high standard regarding  Fair Lending compliance, ensuring our customers are always treated professionally and consistently.

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