Guiding Principles:

In connection with your transaction, Patterson Auto Group may acquire information about you as described in this notice, which we handle as stated in this notice.

We may collect personally identifiable information such as name, postal address, telephone number, e-mail address, social security number, date of birth, etc This personal information is collected and used by Patterson Auto Group staff for the purpose of facilitating a relationship or business transaction.

Our website resides behind a firewall and uses SSL (Secure Sockets Layer, the industry-standard security protocol used to communicate with browsers) to transmit personal information. Data is strongly encrypted during transmission to ensure that personal and payment information is secure. Industry-standard data encryption techniques are used to protect personal information on our servers. SSL-capable browsers typically have a symbol on the browser window to indicate when they are in a secure mode. In addition, the URL will begin with "https:" for all browsers.

Patterson Auto Group does not sell, rent or disclose e-mail addresses to other organizations.

SECURITY POLICY: This statement should tell the consumer how their personal information is kept secure during the transmission of payment.

"Your payment and personal information is always safe. Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure commerce transactions. It encrypts all of your personal information, including credit card number, name, and address, so that it cannot be read over the internet." (etc.)

REFUND POLICY: This policy should be clearly and specifically spelled out to avoid disputes with cardholders.

"We off a 30 Money Back Guarantee on almost every product we offer. Please call customer service at 800-000-0000, in advance to obtain an RMA number(Return Merchandise Authorization) within 30 days of purchase date."

another example: "All refunds will be provided as a credit to the credit card used at the time of purchase within five (5) business days upon receipt of the returned merchandise.".

Note - It could be that all sales are final or No Refunds. If this is the merchants policy, it should be stated on the website and should also be noted on the footer of the merchant receipt or invoice.

POLICY EXAMPLES FOR ALL WEBSITES (required by Cardholder Associations)