Skip to main content

Privacy Policy

How GEM Cars Collects, Uses and Protects Information

Revised September 2026

Privacy Policy

Facts

What Does GEM CARS 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 explain how we collect, share, and protect your personal information. Please read this notice carefully to understand what GEM CARS INC. does.
What? The types of personal information we collect and share depend on the products or services you have with us. This information may include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
  • Employment and residence information
  • Vehicle, insurance, transaction, and contact information
When you are no longer our customer, we may continue to share your information as described in this notice and as permitted or required by law.
How? Financial companies need to share certain customer information to conduct their everyday business. The table below identifies the reasons financial companies may share personal information, whether GEM CARS INC. shares for those reasons, and whether you may limit that sharing.
Reasons We May Share Your Personal Information Does GEM CARS INC. Share? Can You Limit This Sharing?
For our everyday business purposes Such as processing transactions, maintaining accounts, servicing financing agreements, responding to court orders and legal investigations, preventing fraud, or reporting qualifying payment activity to credit bureaus when applicable or requested. Yes No
For our marketing purposes To offer GEM CARS INC. products and services to you. Yes Yes
For joint marketing with other financial companies No We do not share
For our affiliates' everyday business purposes Information about your transactions and experiences. No We do not share
For our affiliates' everyday business purposes Information about your creditworthiness. No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
To Limit Marketing

You may opt out of marketing communications using the choices provided on our online forms or by following the unsubscribe or opt-out instructions included in the messages you receive.

Please note: Opting out of marketing does not prevent GEM CARS INC. from sending transactional, account-related, servicing, security, legal, or other nonmarketing communications. Certain information sharing required or permitted for everyday business purposes cannot be limited.

Questions? Call (214) 521-2040 or visit GemCarsInc.com.

Who We Are

Who is providing this notice? GEM CARS INC., located at 12182 Garland Rd., Dallas, TX 75218.

What We Do

How does GEM CARS INC. protect my personal information? To protect your personal information from unauthorized access and use, GEM CARS INC. uses physical, electronic, and procedural safeguards designed to comply with applicable federal law. These safeguards may include computer security controls, access restrictions, secured records, and protected facilities.
How does GEM CARS INC. collect my personal information? We may collect personal information when you:
  • Apply for financing or provide employment and income information
  • Purchase, finance, sell, trade, or inquire about a vehicle
  • Make a payment or provide account information
  • Provide identification, insurance, residence, or contact information
  • Complete an online form, contact us, or visit our dealership
We may also collect personal information from other sources, such as credit bureaus, financial institutions, service providers, references, government records, and other companies involved in processing or servicing your transaction.
Why cannot I limit all sharing? Federal law gives consumers the right to limit only certain types of sharing, including:
  • Sharing information about creditworthiness for affiliates' everyday business purposes
  • Affiliates using personal information to market to consumers
  • Sharing personal information with nonaffiliates for their own marketing purposes
State laws and individual companies may provide additional rights to limit sharing. GEM CARS INC. does not currently identify any affiliates, does not participate in joint marketing, and does not share personal information with nonaffiliates for their own marketing purposes.
What happens if I opt out of marketing? Your marketing preference will apply to communications covered by your request. You may continue to receive communications related to an application, transaction, account, payment, customer-service request, legal requirement, safety matter, or other nonmarketing purpose.

Definitions

Affiliates Companies related by common ownership or control. They can be financial or nonfinancial companies.
  • GEM CARS INC. does not currently identify any affiliated companies with which it shares personal information.
Nonaffiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies.
  • GEM CARS INC. does not share personal information with nonaffiliates for those companies' own marketing purposes.
  • Information may be disclosed to service providers, credit bureaus, financial institutions, government authorities, professional advisers, or other parties when needed to process or service a transaction or as otherwise permitted or required by law.
Joint Marketing A formal agreement between nonaffiliated financial companies that jointly market financial products or services.
  • GEM CARS INC. does not participate in joint marketing.

Credit Bureau Reporting

Does GEM CARS INC. report payment activity? GEM CARS INC. may report qualifying payment activity to credit bureaus upon request. Reporting eligibility, timing, and available information may depend on the customer's account and circumstances. Credit results vary and are not determined by a single account or reporting activity.