01 — Who this applies to
This Privacy Policy applies to anyone who visits 123autogroupnyc.com, contacts us by phone, text, WhatsApp, or email, or submits a credit application or contact form. By using our services you agree to the collection and use of information as described here.
We are 123 Auto Group NYC, a licensed automotive brokerage based in New York City. References to "we," "us," and "our" mean 123 Auto Group NYC.
02 — Information we collect
The information we collect depends on how you interact with us. We try to ask for only what we need to do our job.
Information you give us directly
- Contact details — name, email, phone number, mailing or residence address.
- Vehicle preferences — make, model, trim, color, target payment, lease vs finance, mileage, trade-in info.
- Application data — date of birth, Social Security number, employment, income, housing, and prior credit history (only if you submit a credit application).
- Communications — messages you send us through our forms, email, SMS, or WhatsApp.
Information collected automatically
- Device & usage data — IP address, browser type, device type, referring URL, pages viewed, time on page.
- Cookies & similar technologies — see the Cookies section below.
Information from other sources
- Lenders & dealers — credit decisions, available terms, residual and money-factor data tied to your inquiry.
- Credit bureaus — soft or hard credit reports, only with your authorization.
03 — How we use it
We use the information we collect to:
- Find and negotiate vehicle lease, finance, or purchase terms on your behalf;
- Submit credit applications to lenders you authorize;
- Coordinate vehicle delivery, paperwork, and trade-in logistics;
- Respond to your questions and follow up on inquiries;
- Improve our website, services, and client communications;
- Comply with legal, regulatory, and licensing obligations under New York state and federal law.
05 — Credit applications
If you submit a credit application, you authorize us to share your information with one or more lenders to obtain credit terms. A soft credit inquiry may be performed initially — this does not affect your credit score. A hard inquiry only occurs when you give explicit written or electronic consent to proceed with a specific lender.
You may withdraw your application at any time before a hard inquiry is run by contacting us at the address below.
07 — How long we keep it
We retain personal information for as long as needed to provide our services and to comply with legal, tax, and licensing requirements. Inactive contact records are typically purged or anonymized after seven (7) years. Credit applications are retained per applicable lender and regulatory requirements.
08 — Your rights & choices
Depending on where you live, you may have the right to:
- Request access to the personal information we hold about you;
- Request correction of inaccurate or incomplete information;
- Request deletion of your information, subject to legal retention obligations;
- Opt out of marketing communications at any time;
- Withdraw consent for a credit inquiry before it is submitted to a lender.
To exercise any of these rights, email privacy@123autogroupnyc.com or use the contact details below. We respond within 30 days.
09 — Security
We use industry-standard administrative, physical, and technical safeguards to protect your information. Sensitive data — like Social Security numbers — is transmitted over TLS-encrypted connections and stored encrypted at rest. No system is perfectly secure; if we ever discover a breach affecting your data we will notify you as required by law.
10 — Children's privacy
Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children under 13. If you believe a child has submitted information to us, contact us and we will delete it promptly.
11 — Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be communicated through the website or by direct notice where appropriate.
12 — Contact us
Questions about this policy or your information?