Privacy
UsedCarLoanNetwork.com its websites and affiliates companies
take the position that privacy is a very serious matter and an
essential part of our relationship with customers. We take your
personal privacy extremely seriously. We aim to safeguard your
privacy, while offering you the opportunity to apply for credit
to obtain an automobile loan through our nationwide network of
participating auto dealers and affiliate partners.
In connection with your application for credit,
UsedCarLoanNetwork.com may acquire information about you, which
is handled as stated in this notice.
We collect nonpublic personal information about you from the
following sources:
1. Information we receive from you on the actual credit
application, such as Name, Address, Social Security number,
Monthly Income, date of birth, etc. Social Security Numbers are
required on the application form. When you enter your social
security number on our form we encrypt is using secure socket
layer technology (SSL).
2. We request your authorization to receive information from a
consumer reporting agency (credit bureau). That authorization is
transmitted to a participating automobile dealer or affiliate
partner in our network, who will actually request and receive
your credit report.
3. Uses of Information – We use the information provided by you
on the application form to assist in finding financing of a
motor vehicle within our national new and used car dealer
network or one of our affiliate partners. We also use this
information to present other offers of interest that you have
not specifically opted out of.
4. Correspondence - The information you provide when
communicating in writing, by phone or online with our customer
service representatives. We do share information about our
customers, their accounts or transactions to others for their
use as described in this Privacy Policy.
5. Personally identifiable
information – We share personally identifiable information with
partners as it relates to offers and promotions where you have
opted in.
When we do share information it is limited to the information
necessary for the particular circumstance and only under strict
controls to prevent misuse.
We and/or our partners maintain strict physical, electronic and procedural
safeguards that comply with all state and federal regulations to
guard your nonpublic personal information.
We and/or our partners use this information to evaluate your application, and to
locate a participating auto dealer or affiliate partner who can
continue the process of assisting you in obtaining an auto loan
or purchasing an automobile. With your consent, we may inform
you of offers for other services offered by third parties.
Cookies
"Cookies" are small computer files which are automatically
placed on your computer's hard drive when you are connected to a
website. At the present time, we do not use cookies to gather
information about our customers.
Log Files
As is true of most Websites; we gather certain information
automatically and store it in log files. This information
includes internet protocol (IP) addresses, browser type,
internet service provider (ISP), referring/exit pages, operating
system, date/time stamp, and clickstream data. We link this
automatically collected data to personally identifiable data. IP
addresses are linked to personally identifiable information for
security purposes.
Sharing Information
UsedCarLoanNetwork.com may disclose information about you to the
following types of third parties:
UsedCarLoanNetwork.com affiliates- auto dealerships or other lenders
in your region who may be able to assist you in the auto loan
application process.
This Privacy Policy applies to consumers that have signed up on
the
UsedCarLoanNetwork.com affiliated websites. We may use the personal
information that you supply to us and work with other third
party businesses to bring selected retail opportunities to our
members via direct mail, email and telemarketing. These
businesses may include providers of direct marketing services
and applications, including lookup and reference, data
enhancement, suppression and validation and email marketing.
UsedCarLoanNetwork.com does not knowingly offer its credit
application to minors.
Links to Other Sites
This Web site contains links to other sites that are not owned
or controlled by
UsedCarLoanNetwork.com. Please be aware that we,
UsedCarLoanNetwork.com, are not responsible for the privacy practices
of such other sites.
We encourage you to be aware when you leave our site and to read
the privacy statements of each and every Web site that collects
personally identifiable information.
Security
The security of your personal information is important to us.
When you enter sensitive information (such as credit card number
and/or social security number) on our registration or order
forms, we encrypt that information using secure socket layer
technology (SSL). To learn more about SSL, follow this link
http://www.webopedia.com/TERM/S/SSL.html
We follow generally accepted industry standards to protect the
personal information submitted to us, both during transmission
and once we receive it. No method of transmission over the
Internet, or method of electronic storage, is 100% secure,
however. Therefore, while we strive to use commercially
acceptable means to protect your personal information, we cannot
guarantee its absolute security.
If you have any questions about security on our Web site, you
can send email us at admin@UsedCarLoanNetwork.com.
This privacy statement applies only to information collected by
this Web site.
For Indiana residents,
UsedCarLoanNetwork.com and its dealer affiliates have express
permission to contact you by telephone, provided you have given
your telephone number in the application.
California Applicants:
If married, you may apply for a separate account.
New York Applicants:
In connection with your application for credit, the dealer to
whom this application is delivered may request a consumer report
which contains information on your credit worthiness, credit
standing, personal characteristics and general reputation. If
the dealer grants you credit, it (or its assignee) may order
additional consumer reports in connection with any update,
renewal or extension of the credit. If you ask the dealer, it
will tell you whether it obtained a consumer report and, if it
did, it will tell you the name and address of the consumer
reporting agency that gave it the report.
Ohio Applicants:
The Ohio laws against discrimination require that all creditors
make credit equally available to all credit worthy customers,
and that credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio civil rights
commission administers compliance with this law.
Rhode Island Applicants:
A consumer report may be requested in connection with this
application.
Vermont Applicants:
By submitting my (our) application, I (we) authorize the dealer
I chose on my (our) application and its employees, agents and
potential assignees to obtain and verify information about me
(us) (including one or more credit reports, information about my
(our) employment and banking and credit relationships) that any
of them may deem necessary or appropriate in evaluating my (our)
application. If my (our) application is approved and credit is
granted, I (we) also authorize such parties to obtain additional
credit reports and other information about me (us) in connection
with reviewing the account, increasing the available credit on
the account (if applicable), taking collection on the account,
or for any other legitimate purpose.
Wisconsin Applicants:
No provision of a marital property agreement, a unilateral
statement under Wis. Rev. Stat. § 766.59 or a court decree under
Wis. Rev. Stat. § 766.70 adversely affects the interest of the
creditor unless the creditor, prior to the time the credit is
granted, is furnished a copy of the agreement, statement or
decree or has actual knowledge of the adverse provision when the
obligation to the creditor is incurred.
UsedCarLoanNetwork.com is committed to protecting the privacy of
consumers. If you have any questions, comments or concerns
regarding our Privacy Policy and its implementation, please do
not hesitate to e-mail us at mail@UsedCarLoanNetwork.com
Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those
changes to this privacy statement or other places we deem
appropriate so that you are aware of what information we
collect, how we use it, and under what circumstances, if any, we
disclose it.
We reserve the right to modify this privacy statement at any
time, so please review it frequently. If we make material
changes to this policy, we will notify you here, by email, or by
means of a notice on our home page.
UsedCarLoanNetwork.com
Copyright © 2007