Romano Auto Sales Miami

PRIVACY POLICY STEGIM LLC.

Last updated: August 3, 2024.

Stegim LLC, and its subsidiaries and affiliates (collectively, “Stegim”, “Romano”, “Romano Auto Sales Miami”, “we”, “our ” or “us”) are committed to maintaining your trust and confidence regarding the privacy and security of your personal information. This Privacy Policy describes how we use, disclose, and protect personal information collected through our website, , our website, and our website.

  • through our website, www.romanomiami.com, and any other website or mobile application where this Privacy Policy is posted or linked to (collectively, the “Digital Products“) and any services available through the Digital Products;
  • in connection with the delivery of our products and services to our customers;
  •  in connection with our business development and marketing activities; and
  • through our other business and offline interactions.

Collectively, we refer to our online and offline interactions with you as the “Services“. In this Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual. Please review this Privacy Policy carefully to learn more about our treatment of information and our privacy practices.

PERSONAL INFORMATION WE COLLECT

Depending on your use of the Services and how you interact with us, we may collect or obtain information from and about you in a variety of ways, including (1) directly from you; (2) automatically when you visit and interact with the Digital Products; and (3) from third parties. Additional details about our collection of your personal information are set forth below.

Information provided by you.


When you visit and interact with the Digital Products or otherwise interact with us, we collect personal information that you share with us. For example, we may collect personal information when you contact us (by phone, email, etc.), request that we send you promotional communications or other materials, or otherwise communicate with us.

Depending on the context of your interactions with us and the Services, the categories of personal information we may collect directly from you include:

  • Contact information, including your name, mailing address, phone number and email address.
  • Identifying information, including your Roman account name, Social Security number, date of birth and other similar identifiers.
  • Correspondence and communications, including recordings of our telephone and email conversations with you and any correspondence relating to the provision of the Services.
  • Preferences, including the frequency with which you wish to receive marketing and promotional communications from us.
  • Other information you choose to provide, including information you include in any web forms you complete and submit on the Digital Products and other information you provide during your interactions with us.

Where appropriate, we may tell you whether and why you must provide us with your personal information and the consequences of not doing so. For example, it may be necessary for you to disclose certain personal information in order for us to provide the Services to you.

Some of the personal information we receive from you may relate to other persons (e.g., co-borrowers). You are responsible for obtaining all necessary permissions to provide us with personal information relating to other persons.

Information Collected from Other Sources

We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners (as defined below) and other partners.

The information we receive from other sources may include contact information, demographic information, consumer credit reports, credit scores, credit history and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, use or disposition of a loan or other financial product received from a Network Partner) and information from the Internet or other electronic network activity.

We use the personal information we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with the Services; perform internal business analysis; and fulfill other business or commercial purposes described in this Privacy Policy.

Combining Information

We may combine personal information we receive from and about you, including information you provide to us, information we automatically collect through the Digital Products, and information we receive from third party sources. Where appropriate, we will use, disclose and protect the combined information for the purposes described in this Privacy Policy.

HOW WE USE PERSONAL INFORMATION

We may use the personal information we collect for the following purposes:

  • Providing the Services, including to operate, maintain, support and provide the Services.
  • Communicating with you, including to contact you for administrative purposes (for example, to provide you with the Services and information you request or to respond to your comments and questions) or to send you important updates and communications about this Privacy Policy and/or other applicable terms and conditions.
  • To send you promotional and marketing communications, including emails about products or services that we think may be of interest to you. Detailed information on how to exercise your choices with respect to our promotional and marketing communications can be found in the “Your Choices” section.
  • To personalize the Services, including to tailor the content we may send you or display to you and otherwise customize your experience with us.
  • To engage in interest-based advertising, for example, to provide you with interest-based advertising on the Digital Products or other online services through the devices you may use. You can find more information about how to exercise your choices with respect to interest-based advertising in the “Your Choices” section below.
  • Conduct research and analysis to develop and improve the Services, including analyzing usage trends and preferences in order to improve the Services and develop new products, services and features.
  • Maintain security and prevent fraud, which includes monitoring and maintaining the security of our systems and networks and detecting, preventing, investigating and protecting you, our company and others against fraud, unauthorized transactions and other illegal or unsafe activities.
  • To comply with our legal obligations, including compliance with applicable law and to respond to lawful requests and communications from law enforcement and other government officials.
  • To support our business operations and business transactions, including administering our business generally and other related functions and conducting sales or other business transactions.

We may also use your personal information as described to you at the point of information collection or with your consent. In addition, we may use your personal information as we believe necessary or appropriate to protect our rights, privacy, safety, security, property and/or those of others.

HOW WE DISCLOSE PERSONAL INFORMATION

We may disclose each category of personal information we collect from and about you with the following categories of recipients:

  • Our affiliates and subsidiaries. We disclose your personal information to other entities within our family of brands to fulfill any purpose described in this Privacy Policy.
  • Network Partners. When you use the Services to submit a loan application, we disclose your personal information to lenders and other third parties in our network (collectively, “Network Partners”) as necessary to deliver the products and services you requested. We may disclose your personal information to Network Partners to provide you with information about financial products and services that may be of interest to you. Please note that Network Partners who interact with you may use and/or retain your personal information whether or not you use their services, and that their treatment of your personal information is subject to their privacy policies. Our list of Network Partners may be updated from time to time, and we encourage you to review the list periodically to stay informed about who we share information with.
  • Financial Companies. We disclose your personal information to other financial companies with whom we engage in joint marketing efforts or who offer financial-related products or services that may be of interest to you.
  • Our business partners. We disclose your personal information to other companies with whom we partner to provide the Services and conduct other activities described in this Privacy Policy.
  • Our service providers. We disclose your personal information to third parties who provide us with business, professional or technical support services and/or administer activities on our behalf.
  • Our analytics providers. We disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of the Services and our marketing and advertising efforts.
  • Our marketing and advertising partners. We disclose your personal information to our marketing and advertising partners, including social media networks, third party advertising networks and other parties that assist us in serving, measuring performance and optimizing our advertisements.
  • Public and governmental authorities. We disclose your personal information to government and public authorities as required or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency or similar request from a self-regulatory body or government agency.
  • Relevant third parties in connection with a business transaction. We may disclose or otherwise transfer your personal information to an acquirer, successor or transferee as part of any merger, acquisition, debt financing, asset sale or similar transaction, as well as in the event of insolvency, bankruptcy or receivership in which the information is transferred to one or more third parties as one of our business assets.
  • Other parties. We may disclose your personal information to other parties as we believe necessary or appropriate to either (1) comply with applicable law; (2) protect our operations and those of our affiliates and subsidiaries; (3) investigate and prevent against fraud and other illegal activities; (4) protect our rights, privacy, safety, security, property, and/or those of others; or (5) enable us to pursue available remedies or limit the damages we may sustain.
    We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. In addition, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.

YOUR CHOICES

We respect your privacy and offer you the ability to make certain choices about our use of your personal information, as described below.

  • Financial Information: For detailed information about our treatment of financial information and your choices with respect to such information, please see our
  • Marketing and Promotional Communications: You may opt out of receiving marketing and promotional communications from us or manage your preferences at any time through your Romano profile or by visiting https://www.Romano.com/publications. You may opt out of receiving marketing and promotional communications from us by following the instructions included in any such communications you receive from us. Please note that even if you opt out of receiving marketing and promotional communications from us, you will continue to receive non-commercial or transactional messages from us, including messages about your account and responses to your inquiries/requests.
  • Cookies: As noted above, we (and our third party vendors and partners) use cookies on the Digital Products for a variety of purposes, including analytics and interest-based advertising purposes. You may be able to adjust your device or browser settings to limit certain tracking or refuse cookies. Please refer to your device settings or the “Help” section of your browser for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. You can find more information about cookies, including how to manage and delete them, here: https://allaboutcookies.org/.
  • Interest-based advertising: We use services provided by Google, Meta, TikTok and other companies that use tracking technologies to collect from you and across your devices information about your online activities, preferences and interactions with websites. These services are used to deliver targeted advertising to you and to measure the performance of our advertising campaigns. For example, these services allow us to retarget you with ads based on what you have viewed or interacted with on our Digital Products while using platforms provided by Google, Meta or TikTok and to measure when you clicked on our Digital Products after viewing an ad on those or other platforms. Some websites/platforms and mobile devices allow you to exercise certain choices with respect to interest-based advertising, as described below.
  • Mobile Devices: You have the ability to control whether you see interest-based ads on your mobile device in the following ways:
  • Device Settings: Your device’s operating system may provide mechanisms that allow you to opt in or opt out of the use of information about your use of mobile applications to deliver interest-based advertising to your mobile device. For more information, please refer to your device settings.
  • Accessing and Correcting Personal Information: Depending on how you have interacted with us and the Services, as well as your state of residence, you may be able to request access to and/or correction of certain personal information that we maintain relating to you. You may also be able to access and correct certain personal information by logging into the Digital Products. If you have submitted a loan application through the Services and would like to request access to or correction of certain personal information, please contact us using the contact details below. Please note that we will only respond or take action in response to a request for access, correction or deletion of personal information to the extent required by law.

E-mail: romanoautosalesmiami@gmail.com
or Mail:

Compliance Officer
Stegim LLC (Romano Auto Sales Miami)
3590 NW 36th St, Miami, FL 33142

INFORMATION SECURITY

We maintain physical, electronic and procedural measures designed to safeguard your personal information from unauthorized access and disclosure. However, no system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches or other communications will always remain secure.

RETENTION OF INFORMATION

We will retain your personal information for at least as long as necessary to fulfill the purposes described in this Privacy Policy, including compliance with our legal or reporting requirements, unless a longer retention period is required or permitted by law. We reserve the right to retain your personal information to the extent permitted by applicable law. We also reserve the right to provide access to or delete personal information only to the extent required by applicable law.

In determining the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information; the potential risk arising from the deletion, unauthorized use or disclosure of the personal information; the purpose(s) for which we use or may use the personal information; whether we can achieve the purpose(s) by other means; and applicable legal requirements.

If we de-identify information, we will maintain and use it in its de-identified form and will not attempt to re-identify it, except as required or permitted by law.

THIRD PARTY SERVICES

The Digital Products may contain features or links to websites and services provided by third parties, including widgets and social media plugins, which are not governed by this Privacy Policy. Any personal information you provide to the owner or operator of another third-party website or service is provided directly to the owner or operator and is subject to their privacy policy, even if accessed through the Digital Products. We recommend that you review the privacy policies of all third parties before providing them with your personal information.

CHILDREN’S PRIVACY

The Services are not intended for or directed to persons under the age of 18, and we do not knowingly collect personal information from persons under the age of 18.

SERVICES LIMITED TO THE UNITED STATES

Our Digital Products are designed to provide services in the United States and are governed by the laws of the United States. Not all Services may be available in all states or territories of the United States. We make no representation that our Digital Products are governed by or operate in accordance with the laws of any other nation or foreign jurisdiction.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our information handling and privacy practices and/or changes in applicable law. The “Last Updated” date at the top of this page indicates when this Privacy Policy was last revised. If we make changes, we will revise the date at the top of this page and, in the case of material changes, we will provide you with additional notice if required by applicable law. Unless otherwise noted, the current version of this Privacy Policy applies to all Digital Products and all personal information under our control. We encourage you to periodically review this Privacy Policy to stay informed about our information handling and privacy practices. By visiting or using our Digital Products, you agree that any changes to this Privacy Policy will apply to any personal information we may maintain about you, whether collected before or after such changes.

HOW TO CONTACT US

If you have any questions or comments about this Privacy Policy or our information handling and privacy practices, please contact us using the contact details below:

– E-mail: romanoautosalesmiami@gmail.com
– Phone: +1 (786) 695-9545
– Mail: Compliance Officer
Stegim LLC (Romano Auto Sales Miami)
3590 NW 36th St, Miami, FL 33142