Privacy Policy

Metro Toyota

5850 Stadium Drive

Kalamazoo, MI 49009

(269) 375-1000

FACTS: WHAT DOES DENOOYER BROTHERS INC 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 that we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Credit history and credit scores
• Account balances and payment history
• Employment information and assets
• Vehicle information, including vehicle identification number (VIN)
• Contact information, including name, address, telephone number, and email address
• Driver’s license number
• Service and repair history maintained by our Service Department

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 DeNooyer Brothers Inc chooses to share, and
whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

TO LIMIT OUR SHARING

If applicable and as indicated in the table above, you may limit our sharing of your personal information. To limit our sharing, you may:

• Call us at 269-372-3040
• Mail the opt-out form below the address at the top of this form Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

QUESTIONS?

Call 269-372-3040 or visit us at www.denooyer.com

WHO WE ARE

Who is providing this notice? This notice is provided by DeNooyer Brothers Inc, located at the above address, including all departments of our dealership (sales, finance and insurance, and our Service Department).

WHAT WE DO

How does DeNooyer Brothers Inc protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including the Federal Trade Commission’s Safeguards Rule under the Gramm- Leach-Bliley Act. These measures include computer safeguards, secured files, and buildings. We maintain an information security program with administrative, technical, and physical safeguards designed to protect customer information. We limit access to nonpublic personal information to those employees who need it to provide products and services to you.

How does DeNooyer Brothers Inc collect my personal information? We collect your personal information when you, for example:

• Apply for financing or a lease
• Purchase or lease a vehicle from us
• Provide personal information for a vehicle quote or financial package estimate
• Use our Service Department for vehicle maintenance, repairs, or warranty work
• Provide your vehicle for a trade-in appraisal
• Complete a credit application
• Provide us with your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only certain types of sharing. Federal law requires us to share information in certain situations, including:

• Sharing for our everyday business purposes, such as processing your transactions
• Sharing when required by law, such as for manufacturer recall purposes
• Sharing to process a transaction you have requested

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates. Companies related by common ownership or control. They can be financial and nonfinancial companies. DeNooyer Brothers Inc’s affiliates include the DeNooyer Agency.

Nonaffiliates. Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which we may share include the manufacturer, finance sources and service providers.

Joint Marketing. A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

INFORMATION SHARING WITH SERVICE PROVIDERS

We may disclose the personal information described above to companies that perform services on our behalf, including companies that assist with marketing our products and services, such 4 as service department promotions and special offers. When we share information with service providers, we require them by contract to keep your information confidential and to use it only for the purpose for which we disclosed it to them.

SERVICE DEPARTMENT INFORMATION

In addition to the financial information described above, our Service Department may collect and maintain information about your vehicle’s service and repair history, warranty claims, parts orders, and related vehicle data. We use this information to provide service to your vehicle, to contact you regarding recommended maintenance or open recalls, and to improve our service operations. We may share service-related information with vehicle manufacturers for warranty processing and recall purposes, as permitted or required by law.

USE OF ARTIFICIAL INTELLIGENCE

DeNooyer Brothers Inc may use artificial intelligence (“AI”) and automated decision-making technologies in connection with our business operations. These technologies may be used to enhance and personalize your experience, improve our services, and support our internal business functions. Specifically, we may use AI-powered tools for the following purposes:

• Customer Communications. We may use AI-powered chatbots or virtual assistants on our website, mobile applications, or messaging platforms to respond to inquiries, schedule service appointments, and provide information about our vehicles, financing options, and Service Department offerings. When you interact with an AI-powered communication tool, your inputs and the information you provide may be collected, stored, and processed in accordance with this Privacy Notice. We will endeavor to clearly identify when you are communicating with an AI system rather than a human representative.
• Marketing and Personalization. We may use AI tools to analyze your preferences, transaction history, and service records to provide you with personalized offers, service reminders, and promotional communications. These tools may use information such as your vehicle type, service history, and purchasing activity to tailor recommendations to your needs.
• Fraud Detection and Prevention. We may use AI-based tools to detect and prevent fraudulent activity, including identity verification during financing transactions and the identification of suspicious patterns in credit applications.
• Service Department Operations. Our Service Department may use AI-assisted diagnostic tools and predictive maintenance technologies that analyze vehicle data to recommend repairs or maintenance. These tools may process vehicle identification numbers, service history, and diagnostic information collected from your vehicle.
• Automated Decision-Making. In certain circumstances, we may use automated tools to assist with decisions related to financing, insurance, or service recommendations. When automated decision-making is used in a manner that may have a significant effect on you, you may request information about the logic involved and, where required by applicable law, request human review of the decision.

Data Sharing with AI Vendors. We may share your personal information with third-party AI technology vendors that provide AI-powered tools and services on our behalf. We require these vendors by contract to maintain the confidentiality and security of your personal information, to use it only for the purposes for which it was disclosed, and to refrain from using your personal information to train generalized AI models unless we have obtained your prior consent. We evaluate AI vendors for appropriate data security practices before engaging their services.

OTHER IMPORTANT INFORMATION

Michigan Identity Theft Protection Act. Under Michigan law (MCL 445.63 et seq.), if we experience a security breach involving your unencrypted personal information (such as your Social Security number, driver’s license number, or financial account number), we will provide you with notice of the breach without unreasonable delay. The notice will describe the breach in general terms, identify the type of personal information affected, describe any steps we have taken to protect data from further breaches, include a telephone number where you may obtain additional information, and remind you of the need to remain vigilant for incidents of fraud and identity theft. Michigan Consumer Protection Act. We comply with the Michigan Consumer Protection Act (MCL 445.901 et seq.) in connection with our business practices, including our handling of customer personal information.

Disposal of Information. We will dispose of your personal information in a manner consistent with applicable federal and state law, including the FTC’s Disposal Rule. We will take reasonable measures to protect against unauthorized access to or use of your information during its disposal.

Changes to This Notice. We reserve the right to change our privacy policies and this Privacy Notice at any time. If we make changes, we will provide you with a revised notice as required by applicable law.

Annual Notice. For as long as you remain our customer, we will provide you with a copy of this Privacy Notice at least once every twelve months, as required by federal law.