Terms Of Purchase By Financing Agency - Information Practices Act Of 1977 - CA Civil Law

Section § 1798.45

If a government agency in California doesn't follow certain rules around personal records, you can sue them. This includes refusing to let you see your records, not keeping accurate information that might affect decisions about you, or breaking other rules in a way that harms you.

An individual may bring a civil action against an agency whenever such agency does any of the following:

(a) Refuses to comply with an individual’s lawful request to inspect pursuant to subdivision (a) of Section 1798.34.

(b) Fails to maintain any record concerning any individual with such accuracy, relevancy, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, opportunities of, or benefits to the individual that may be made on the basis of such record, if, as a proximate result of such failure, a determination is made which is adverse to the individual.

(c) Fails to comply with any other provision of this chapter, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual.

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(Added by Stats. 1977, Ch. 709.)

Section § 1798.46

If you sue a government agency because they didn't give you the records you asked for, the court can order them to release those records to you. The court will look at the situation from scratch and may review the records privately to see if the agency is right to hold them back. It's up to the agency to justify why they're not sharing the records. Also, if you win any part of the case, the agency has to pay for your lawyer and court costs, even if you don't win everything you wanted.

In any suit brought under the provisions of subdivision (a) of Section 1798.45:

(a) The court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from the complainant. In such a suit the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld as being exempt from the individual’s right of access and the burden is on the agency to sustain its action.

(b) The court shall assess against the agency reasonable attorney’s fees and other litigation costs reasonably incurred in any suit under this section in which the complainant has prevailed. A party may be considered to have prevailed even though he or she does not prevail on all issues or against all parties.

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(Amended by Stats. 1985, Ch. 595, Sec. 22.)

Section § 1798.47

If a government agency in California doesn't follow certain privacy rules, a court can step in to stop them. The court can issue orders to prevent rule-breaking activities. The Attorney General, any district attorney, or even a private citizen can file a lawsuit seeking this kind of court order.

Any agency that fails to comply with any provision of this chapter may be enjoined by any court of competent jurisdiction. The court may make any order or judgment as may be necessary to prevent the use or employment by an agency of any practices which violate this chapter.

Actions for injunction under this section may be prosecuted by the Attorney General, or any district attorney in this state, in the name of the people of the State of California whether upon his or her own complaint, or of a member of the general public, or by any individual acting in his or her own behalf.

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(Amended by Stats. 1992, 1st Ex. Sess., Ch. 21, Sec. 33.7. Effective March 7, 1993.)

Section § 1798.48

If someone wins a lawsuit against an agency for violating certain privacy laws mentioned in another section, the agency has to pay the person for any real harm they suffered, including emotional pain. Additionally, the agency must also cover the court costs and reasonable attorney's fees as decided by the court.

In any suit brought under the provisions of subdivision (b) or (c) of Section 1798.45, the agency shall be liable to the individual in an amount equal to the sum of:

(a) Actual damages sustained by the individual, including damages for mental suffering.

(b) The costs of the action together with reasonable attorney’s fees as determined by the court.

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(Added by Stats. 1977, Ch. 709.)

Section § 1798.49

This law section allows you to sue someone if they violated your rights under certain privacy laws in California, but you have to do it within two years from when the issue started. If someone lied about important information they had to tell you, and you find this out later, you can still sue them within two years of discovering the lie. The law doesn’t apply to issues before July 1, 1978. Also, any rights and remedies you have through this law are in addition to other legal rights you might have.

An action to enforce any liability created under Sections 1798.45 to 1798.48, inclusive, may be brought in any court of competent jurisdiction in the county in which the complainant resides, or has his principal place of business, or in which the defendant’s records are situated, within two years from the date on which the cause of action arises, except that where a defendant has materially and willfully misrepresented any information required under this section to be disclosed to an individual who is the subject of the information and the information so misrepresented is material to the establishment of the defendant’s liability to that individual under this section, the action may be brought at any time within two years after discovery by the complainant of the misrepresentation. Nothing in Sections 1798.45 to 1798.48, inclusive, shall be construed to authorize any civil action by reason of any injury sustained as the result of any information practice covered by this chapter prior to July 1, 1978.

The rights and remedies set forth in this chapter shall be deemed to be nonexclusive and are in addition to all those rights and remedies which are otherwise available under any other provision of law.

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(Added by Stats. 1977, Ch. 709.)

Section § 1798.50

This law means you can't sue someone for expressing their opinion about a person's qualifications during a personnel decision, even if you think their opinion isn't accurate, relevant, timely, or complete. The law only applies to opinions, not statements of fact.

A civil action shall not lie under this article based upon an allegation that an opinion which is subjective in nature, as distinguished from a factual assertion, about an individual’s qualifications, in connection with a personnel action concerning such an individual, was not accurate, relevant, timely, or complete.

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(Added by Stats. 1977, Ch. 709.)

Section § 1798.51

This law says if you have missed the deadline to use a different legal solution, you can still correct a record under this chapter. However, fixing the record won't bring back any rights or solutions that expired when you missed the deadline.

Where a remedy other than those provided in Articles 8 and 9 is provided by law but is not available because of lapse of time an individual may obtain a correction to a record under this chapter but such correction shall not operate to revise or restore a right or remedy not provided by this chapter that has been barred because of lapse of time.

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(Added by Stats. 1977, Ch. 709.)

Section § 1798.53

This section of the law states that if someone other than a government employee in their official role intentionally shares private information they know should be kept confidential, they can be sued by the person whose privacy was violated. If the person suing wins the lawsuit, they will receive at least $2,500 along with any additional damages, plus coverage for attorney fees and lawsuit costs. This legal action is an additional option alongside other privacy rights in the California Constitution.

Any person, other than an employee of the state or of a local government agency acting solely in his or her official capacity, who intentionally discloses information, not otherwise public, which they know or should reasonably know was obtained from personal information maintained by a state agency or from “records” within a “system of records” (as these terms are defined in the Federal Privacy Act of 1974 (P. L. 93-579; 5 U.S.C. 552a)) maintained by a federal government agency, shall be subject to a civil action, for invasion of privacy, by the individual to whom the information pertains.

In any successful action brought under this section, the complainant, in addition to any special or general damages awarded, shall be awarded a minimum of two thousand five hundred dollars ($2,500) in exemplary damages as well as attorney’s fees and other litigation costs reasonably incurred in the suit.

The right, remedy, and cause of action set forth in this section shall be nonexclusive and is in addition to all other rights, remedies, and causes of action for invasion of privacy, inherent in Section 1 of Article I of the California Constitution.

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(Amended by Stats. 1985, Ch. 595, Sec. 23.)

Section § 1809.1

This section allows a financing agency to buy a retail installment contract or account from a seller without needing to notify the buyer or file any notice of the assignment. The seller can still control the payments and the goods, even if the goods were repossessed, without affecting the legality of the agreement concerning creditors or others with interest in the seller's assets, unless another law says otherwise.

Notwithstanding any contrary provision of this title a financing agency may purchase a retail installment contract or installment account from a seller on such terms and conditions and for such price as may be mutually agreed upon. No filing of notice or of the assignment, no notice to the buyer of the assignment, and no requirement that the seller be deprived of dominion over payments upon the contract or installment account or over the goods if repossessed by the seller, shall be necessary to the validity of a written assignment of a contract or installment account as against creditors, subsequent purchasers, pledgees, mortgagees or encumbrancers of the seller, except as may otherwise be required by law.

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(Added by Stats. 1959, Ch. 201.)