PRIVACY POLICY

Attention Consumers: AFG Companies, Inc. does not sell Personal Information and does not share Personal Information with third parties for targeted advertising or cross-context behavioral advertising.

AFG Companies, Inc. and its subsidiaries and affiliates, including but not limited to CareGard, Inc., and Dealer Lifetime are referred to in this Policy as “AFG,” “We,” “Us,” and “Our.” We value your privacy and protecting your information is important to Us. This Privacy Policy (“Policy”) explains how We collect, use, disclose, retain, and protect Personal Information in connection with Our websites, online services, vehicle service contracts, limited warranties, GAP products, ancillary products (collectively referred to as “Products”), claims, cancellations, transfers, customer service, dealer and lender relationships, and related business operations. We appreciate the trust that you have in Us, and We protect that trust by continuing to respect the privacy of all AFG Website (“Website”) users and Our Product holders.

PERSONAL INFORMATION WE COLLECT

“Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could be reasonably linked, directly or indirectly, with an individual, consumer, household, or device. Personal Information may include information you provide to Us, information generated through your use of Our Website or online services, and information We receive from dealers, lenders, repair facilities, insurers, service providers, vendors, or other third parties in connection with Our Products and related services. Personal Information does not include publicly available information from government records, de-identified information, aggregated information, or other information excluded from applicable privacy laws.

Depending on your relationship with Us and how you interact with Us, AFG may collect the following categories of Personal Information:

Contact Information

Examples: name, postal address, email address, telephone number, company name, and similar contact details.

Vehicle Information

Examples: VIN, year, make, model, mileage, vehicle condition, coverage eligibility information, and related vehicle details.

Product and Contract-related Information

Examples: Product type, contract number, coverage terms, selling dealer, lender or lienholder, purchase date, cancellation information, transfer information, refund information, and related transaction details.

Claim and Service Information

Examples: repair orders, estimates, invoices, proof of loss, inspection information, claim photos or documentation, service history submitted with a claim, and communications with repair facilities, inspectors, roadside providers, or other service providers.

Voluntary Inquiry Information

Examples: information you choose to submit through a Website form, email, telephone call, or other communication, including your name, contact information, company, role, and the content of your request.

Internet, Device, and Website Usage Information

Examples: IP address, browser type, device type, operating system, referring website, pages visited, approximate location derived from device or network information, dates and times of visits, and similar analytics information.

Communications Information

Examples: records of emails, letters, calls, chat messages, portal submissions, customer-service requests, and other communications with Us or Our service providers.

Compliance, Security, and Fraud-Prevention Information

Examples: information used to detect, prevent, investigate, or respond to fraud, misuse, legal claims, regulatory inquiries, security incidents, or other compliance matters.

We may collect Personal Information from the following sources:

You, including when you submit information through Our Website, contact Us, purchase or hold a Product, submit a claim, request a cancellation, request a transfer, or otherwise communicate with Us;
Selling Dealers, agents, administrators, lenders, lienholders, repair facilities, inspection companies, roadside assistance providers, insurers, reimbursement carriers, payment processors, and other parties involved in issuing, administering, servicing, financing, supporting, or processing a Product or related transaction;
Our subsidiaries, affiliates, service providers, vendors, and business partners;
Our Website and online services, including analytics tools used to understand Website traffic and usage; and
Public records, regulatory sources, legal sources, or other sources permitted by law.

Personal Information does not include information that has been made public from federal, state, or local government records. If you provide Personal Information about another person to AFG, Our affiliates, or Our service providers, you represent and warrant that you have authority to provide that information and to permit Us to use and disclose it as described in this Policy and as permitted by applicable law.

USING PERSONAL INFORMATION

AFG may use Personal Information for the following business and legal purposes:

to operate, maintain, and improve Our Website, online services, systems, and business operations;
to respond to inquiries, requests, and communications that you submit to Us;
to review, issue, administer, service, support, transfer, cancel, or process Products and related benefits;
to process claims, including claims submitted by you, a repair facility, dealer, lender, lienholder, insurer, roadside assistance provider, inspector, or other service provider;
to confirm, correct, verify, or update information submitted to Us;
to communicate with consumers, Product holders, dealers, agents, lenders, repair facilities, insurers, vendors, and service providers;
to process cancellations, refunds, chargebacks, payment-related issues, and other transaction-related matters;
to detect, prevent, investigate, or respond to fraud, misuse, security incidents, claims, disputes, regulatory inquiries, legal requests, or other compliance matters;
to perform internal reporting, auditing, quality control, analytics, training, and business administration;
to comply with contracts, laws, regulations, court orders, subpoenas, regulatory requests, and other legal obligations; and
as otherwise disclosed to you, authorized by you, or permitted or required by applicable law.

We retain Personal Information for as long as is reasonably necessary to fulfill the purposes described in this Policy, provide and administer Products and related services, comply with legal and regulatory obligations, resolve disputes, maintain business records, enforce agreements, and protect Our rights and the rights of others. Retention periods may vary depending on the type of information, the Product or service involved, the nature of Our relationship with you, and applicable legal, regulatory, contractual, accounting, tax, litigation, or operational requirements.

DISCLOSURES OF PERSONAL INFORMATION

AFG may disclose Personal Information to the following categories of recipients, as reasonably necessary for the purposes described in this Policy:

Our subsidiaries and affiliates;
selling dealers, dealer groups, agents, independent sales representatives, assignees, successors, and other parties involved in offering, selling, issuing, supporting, or servicing a Product;
lenders, lienholders, finance companies, payment processors, refund processors, and other parties involved in financing, payment, refund, cancellation, GAP, or related transaction processing;
repair facilities, claims personnel, inspectors, roadside assistance providers, rental providers, parts suppliers, and other service providers involved in evaluating, administering, supporting, or processing a Product, claim, benefit, cancellation, transfer, or related service;
insurance companies, reimbursement carriers, obligors, administrators, reinsurers, and other entities that provide financial security, underwriting, reimbursement, administrative, or related support for Our Products;
technology providers, website hosts, analytics providers, customer relationship management providers, document management providers, communications providers, data storage providers, cybersecurity providers, and other vendors or service providers that support Our Website, online services, systems, or business operations;
auditors, accountants, consultants, attorneys, compliance advisors, and other professional advisors;
regulatory authorities, law enforcement, courts, governmental agencies, and other parties when We believe disclosure is necessary or appropriate to comply with law, respond to legal process, protect rights or safety, prevent fraud, or support security and compliance;
a third party in connection with an actual or proposed merger, acquisition, reorganization, financing, sale, transfer, assignment, bankruptcy, receivership, or other transaction involving all or part of Our business, assets, stock, or operations; and other parties with your consent, at your direction, or as otherwise permitted or required by applicable law.

Sale, Sharing, Targeted Advertising, and Profiling

AFG does not sell Personal Information. AFG does not share Personal Information with third parties for targeted advertising or cross-context behavioral advertising. We may use analytics tools, including Google Analytics, to understand Website traffic and usage, but We do not use Google Analytics, advertising pixels, remarketing tools, conversion-tracking tools, Meta pixels, LinkedIn Insight Tags, Google Ads remarketing, or similar technologies to serve targeted advertising.

AFG does not use Personal Information to profile consumers in furtherance of decisions that produce legal or similarly significant effects concerning a consumer, unless otherwise disclosed at or before the time of collection and permitted by applicable law.

We may disclose Personal Information to service providers, vendors, affiliates, dealers, lenders, insurers, repair facilities, regulators, professional advisors, and other parties as described in this Policy for business, operational, legal, compliance, security, Product administration, claim processing, cancellation, transfer, refund, and related purposes.

STATE-SPECIFIC PRIVACY STATEMENTS

Residents of certain states, including California, Maryland, Minnesota, Nebraska, Texas, Virginia, and other states that may enact similar laws, may have additional rights regarding their Personal Information or personal data, subject to applicable legal requirements, exemptions, and limitations. Depending on your state of residence and the law that applies to your request, these rights may include one or more of the following:

the right to confirm whether We process your Personal Information;
the right to know or access the categories and, where required, specific pieces of Personal Information We collect, use, disclose, sell, or share;
the right to obtain information about the categories of sources from which Personal Information is collected;
the right to obtain information about the purposes for which Personal Information is collected, used, disclosed, sold, or shared;
the right to obtain information about the categories of third parties to whom Personal Information is disclosed;
the right to correct inaccuracies in Personal Information;
the right to request deletion of Personal Information, subject to applicable exceptions;
the right to obtain a portable copy of Personal Information, where required and technically feasible;
the right to opt out of the sale of Personal Information, sharing of Personal Information for targeted advertising or cross-context behavioral advertising, and certain profiling activities, where applicable;
the right to limit the use or disclosure of sensitive Personal Information, where applicable;
the right to appeal or request reconsideration of certain decisions regarding your privacy request, where applicable; and
the right not to be discriminated or retaliated against for exercising privacy rights.

AFG does not sell Personal Information and does not share Personal Information with third parties for targeted advertising or cross-context behavioral advertising. AFG also does not use Personal Information to profile consumers in furtherance of decisions that produce legal or similarly significant effects, unless otherwise disclosed and permitted by applicable law.

HOW TO MAKE A PRIVACY RIGHTS REQUEST

You may make a request to exercise privacy rights available under applicable law by using one of the following methods:

Email: [email protected]
Calling, toll-free: (800) 856-0990

When you submit a privacy rights request, We may ask you to provide information reasonably necessary to verify your identity, locate your information, understand the nature of your request, and process your request. Depending on the request and the information involved, We may ask for information such as your name, contact information, contract number, VIN, Product information, dealer information, or other information reasonably related to your relationship with Us.

If you submit a request through an authorized agent, We may require proof that the agent is authorized to act on your behalf and may also require you to verify your identity directly with Us, unless prohibited by applicable law.

We will evaluate and respond to privacy requests as required by applicable law and subject to applicable exceptions. We may deny or limit a request where permitted by law, including where We cannot verify the request, where the information is subject to legal or contractual retention requirements, where the information is needed to complete a transaction or provide a requested Product or service, where the information is needed for security, fraud prevention, legal claims, compliance, or other legally permitted purposes, or where another exception applies.

We will not discriminate or retaliate against you for exercising your privacy rights available under applicable law.

Format of Requested Information

Where required by applicable law, We will provide requested information in a portable and, to the extent technically feasible, readily useable format that allows you to easily transmit this information to another entity.

Fees

We generally do not charge a fee to process or respond to privacy requests. If a request is excessive, repetitive, manifestly unfounded, or otherwise permits a fee under applicable law, We may charge a reasonable fee or decline to act on the request, as permitted by law. If We determine that a fee may apply, We will explain the basis for the fee and provide an estimate before completing the request.

Appeals and Reconsideration

If you disagree with a decision We make regarding your privacy request, you may ask Us to reconsider or appeal the decision by using the contact information in this Policy. We will review and respond to appeal or reconsideration requests as required by applicable law.

COOKIE STATEMENT

“Cookies” are small text files or similar technologies that may be placed on your browser or device when you visit a website. Cookies and similar technologies can help websites function, remember preferences, understand website traffic, and improve user experience.

We use “Google Analytics,” a service provided by Google, to help Us understand how visitors use Our Website, including information such as pages visited, browser and device information, approximate location, referring pages, and other usage data.

We do not use advertising cookies, remarketing pixels, conversion-tracking tools, Meta pixels, LinkedIn Insight Tags, Google Ads remarketing, or similar targeted-advertising technologies to serve targeted advertising.

We do not enable Google Analytics advertising features.

You may be able to adjust your browser settings to warn you before cookies are stored, block some or all cookies, or delete cookies from your device. Blocking or deleting cookies may affect how some websites function.

You can learn more about how Google collects and processes data through Google Analytics by reviewing Google’s privacy and analytics disclosures. You may also use Google’s available opt-out tools where applicable.

ELECTIVE ONLINE FORMS

If you choose to submit information through a form or other online feature, We may collect the information you provide, such as your name, phone number, email, address, company, role, the content of your request, and related information. We use this information to respond to your inquiry, route your request, provide requested information, conduct related business operations, and take other actions consistent with the purpose for which you provided the information.

We may disclose information submitted through online forms to Our affiliates, service providers, vendors, business partners, or other parties as reasonably necessary to respond to your request, support Our Website and business operations, or as otherwise described in this Policy.

Personal Information may be maintained in systems operated by AFG, Our affiliates, or service providers that support Our Website, online services, Products, claims, cancellations, transfers, customer service, compliance, security, and related business operations.

THIRD-PARTY SERVICES AND WEBSITES

Our Website, communications, or online services may include links to third-party websites, platforms, tools, or services. This Policy does not apply to any information you provide directly to third-party websites or platforms that We do not own or control. We are not responsible for the privacy, security, or other practices, of third-party websites or platforms.

AFG may maintain social media pages or interact with third-party social media platforms such as Facebook, LinkedIn, X/Twitter, or similar services. Your use of those platforms is governed by the privacy policies and terms of the applicable platform, not this Policy.

A link to a third-party website or platform does not mean AFG endorses that website, platform, or the products or services offered through it.

SAFEGUARDING PERSONAL INFORMATION

AFG uses administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, use, disclosure, alteration, or destruction. We restrict access to Personal Information to personnel, affiliates, service providers, vendors, and other parties who need the information for authorized business, legal, compliance, security, Product administration, claim processing, cancellation, transfer, refund, or related purposes. AFG regularly reviews its security measures and employee education programs to help protect information.

We review Our security measures and employee training practices periodically and use safeguards appropriate to the nature of the information and Our business operations. When We disclose Personal Information service providers or vendors, We require them to use the information only for authorized purposes and to maintain appropriate confidentiality and security protections.

No website, system, storage environment, or transmission method is completely secure. We therefore cannot guarantee absolute security of Personal Information. This Policy continues to apply to Personal Information We maintain after your relationship with AFG ends, subject to applicable retention requirements and legal exceptions.

CHILDREN’S PRIVACY

Our Products and Website are intended for adults and are not directed to children or minors. We do not knowingly collect Personal Information from children under the age of thirteen (13). We also do not knowingly sell or share Personal Information of children or minors for targeted advertising or cross-context behavioral advertising. If We learn that We have collected Personal Information from a child in a manner not permitted by law, We will take appropriate steps to delete or otherwise address the information as required by applicable law.

CORRECTING PERSONAL INFORMATION

If you believe Personal Information We maintain about you is inaccurate, you may contact Us using the methods listed in the “How to Make a Privacy Rights Request” and “Contact Information” sections of this Policy. We will review correction requests as required by applicable law and subject to applicable exceptions.

OTHER INFORMATION

Do Not Track and Preference Signals

Some browsers or extensions allow users to send “Do Not Track” or similar signals. There is not currently a uniform industry standard for responding to all such signals. Because AFG does not sell Personal Information or share Personal Information for targeted advertising or cross-context behavioral advertising, Our Website is not designed to process opt-out preference signals for those activities. If Our practices change, We will update this Policy and implement legally required preference-signal processes as applicable.

CHANGES TO THIS POLICY

AFG may update this Policy from time to time. The “Revision Date” at the top of this Policy identifies the date of the most recent revision. Changes become active when posted or otherwise made available, unless a different effective date is stated. Your continued use Our Website, Products, or services after an updated Policy is posted or made available will be subject to the updated Policy, to the extent permitted by applicable law .

CONTACT INFORMATION

If you have questions about this Policy or AFG’s privacy practices, or if you want to submit a privacy request, you may contact Us by:

Phone: (800) 856-0990

Email: [email protected], or

Mail: AFG Companies, Inc., Attn: Compliance, 1900 Champagne Blvd., Grapevine, TX 76051.

California residents may review Our additional California Privacy Notice here:

Revision Date: June 22, 2026

Effective Date: June 22, 2026

CALIFORNIA PRIVACY NOTICE

This California Privacy Notice is being provided by AFG Companies, Inc. (“AFG”), supplement AFG’s Privacy Policy (“Policy”), and applies to California residents. Terms used in this California Privacy Notice have the meanings given to them under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, and its implementing regulations, collectively referred to in this notice as the “CCPA”.

CATEGORIES OF PERSONAL INFORMATION WE COLLECT

Depending on your relationship with Us and how you interact with Us, We may collect the following categories of Personal Information:

identifiers, such as name, postal address, email address, telephone number, contract number, account or reference number, and similar identifiers;
customer records information, such as contact information, Product information, transaction information, lender or lienholder information, and related records;
commercial information, such as Product purchase, coverage, claim, cancellation, refund, transfer, repair, service, dealer, lender, and transaction information;
internet or other electronic network activity information, such as IP address, browser type, device information, referring pages, pages visited, and Website usage information;
geolocation information, such as approximate location derived from IP address or similar network information;
audio, electronic, or similar information, such as communications with Us or Our service providers, where applicable;
professional or employment-related information, if you interact with Us in a business, dealer, vendor, or representative capacity; and
inferences or internal records derived from the information above for business, security, fraud-prevention, compliance, analytics, or operational purposes.

SENSITIVE PERSONAL INFORMATION

We do not use or disclose Sensitive Personal Information for purposes that would require a right to limit under the CCPA. If We collect Sensitive Personal Information in connection with a Product, claim, cancellation, refund, legal request, compliance matter, security matter, or related transaction, We use and disclose it only for permitted business, legal, compliance, security, service-related, or other purposes allowed by applicable law.

SOURCES OF PERSONAL INFORMATION

We may collect Personal Information from you; selling dealers; agents; lenders; lienholders; repair facilities; claims personnel; inspectors; roadside assistance providers; insurers; reimbursement carriers; payment processors; affiliates; vendors; service providers; Our Website and online services; public records; regulatory sources; legal sources; and other sources permitted by law.

PURPOSES FOR COLLECTING, USING, AND DISCLOSING PERSONAL INFORMATION

We may collect, use, and disclose Personal Information for the business and legal purposes described in the AFG Privacy Policy, including to operate Our Website and business; respond to inquiries; issue, administer, service, support, transfer, cancel, or process Products; process claims and benefits; communicate with consumers, dealers, lenders, repair facilities, insurers, vendors, and service providers; process cancellations, refunds, and transaction-related matters; detect and prevent fraud; maintain security; perform analytics and internal reporting; comply with legal and regulatory obligations; respond to legal process; resolve disputes; and protect Our rights and the rights of others.

CATEGORIES OF THIRD PARTIES TO WHOM WE DISCLOSE PERSONAL INFORMATION

We may disclose Personal Information to the categories of third parties described in the AFG Privacy Policy, including affiliates; selling dealers; dealer groups; agents; lenders; lienholders; finance companies; payment processors; refund processors; repair facilities; claims personnel; inspectors; roadside assistance providers; parts suppliers; insurers; reimbursement carriers; obligors; administrators; reinsurers; technology providers; analytics providers; website hosts; customer relationship management providers; communications providers; data storage providers; cybersecurity providers; professional advisors; regulators; law enforcement; courts; governmental agencies; and parties to business transactions.

SALE AND SHARING OF PERSONAL INFORMATION

AFG does not sell Personal Information. AFG does not share Personal Information with third parties for cross-context behavioral advertising. We may use analytics tools, including Google Analytics, to understand Website traffic and usage, but We do not use Google Analytics, advertising pixels, remarketing tools, conversion-tracking tools, Meta pixels, LinkedIn Insight Tags, Google Ads remarketing, or similar technologies to serve targeted advertising.

RETENTION

We retain Personal Information for as long as reasonably necessary to fulfill the purposes described in the AFG Privacy Policy, provide and administer Products and related services, comply with legal and regulatory obligations, resolve disputes, maintain business records, enforce agreements, and protect Our rights and the rights of others. Retention periods may vary depending on the type of information, the Product or service involved, the nature of Our relationship with you, and applicable legal, regulatory, contractual, accounting, tax, litigation, or operational requirements.

CALIFORNIA PRIVACY RIGHTS

Subject to applicable legal requirements, exceptions, and limitations, California residents may have the following rights:

the right to know the categories of Personal Information We collect, the categories of sources from which We collect Personal Information, the purposes for which We collect, use, disclose, sell, or share Personal Information, the categories of third parties to whom We disclose Personal Information, and the categories of Personal Information sold, shared, or disclosed for a business purpose;
the right to access or receive the specific pieces of Personal Information We have collected about you;
the right to request deletion of Personal Information We collected from you, subject to applicable exceptions;
the right to correct inaccurate Personal Information;
the right to opt out of the sale or sharing of Personal Information, although AFG does not sell Personal Information or share Personal Information for cross-context behavioral advertising;
the right to limit the use or disclosure of Sensitive Personal Information where required by law, although AFG does not use or disclose Sensitive Personal Information for purposes that would require a right to limit under the CCPA; and
the right not to be discriminated or retaliated against for exercising rights under the CCPA.

How to Submit a California Privacy Request

California residents may submit a privacy request by using one of the following methods:

Email: [email protected]
Phone: (800) 856-0990

We may need to verify your identity before processing certain requests. We may ask you to provide information reasonably necessary to verify your identity, locate your information, and process your request. If you use an authorized agent, We may require proof of the agent’s authority and may require you to verify your identity directly with Us, unless prohibited by applicable law.

We will respond to California privacy requests within the time required by applicable law. If We need additional time, We will notify you as required by law. We may deny or limit requests where permitted by law.

CONTACT FOR QUESTIONS

If you have any questions about this California Privacy Notice, you may contact Us at:

Phone: (800) 856-0990

Email: [email protected], or

Mail: AFG Companies, Inc., Attn: Compliance, 1900 Champagne Blvd., Grapevine, TX 76051.