At www.applyautoloan.com, your privacy is a cornerstone of our customer relationship. We strive to find methods to guard personal identity and information by promoting the use of fair information practices. This privacy policy demonstrates our firm’s commitment to privacy the importance of informing you of our practices concerning the collection and use of the information provided to us. Applyautoloan.com may amend this policy from time to time.
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| Collection of Information |
Applyautoloan.com may collect and use personal information to respond to requests for our services. Certain personal information Applyautoloan.com collects may be publicly available via government records, telephone books, or other widely available media. We will treat all information provided as non-public. Applyautoloan.com collects personal information from a variety of sources, including:
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 Application Information
Credit Reports
Correspondence
Marketing partners and publicly available databases
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We use this information to evaluate auto loan applications, locate an appropriate auto dealer and/or lender for you, and to provide high quality service and prevent fraud. We also inform customers of offers of other Applyautoloan.com services provided by third parties. We do this only after receiving the customer’s authorization. We also utilize this information to confirm a customer's identity when they call us to inquire about their account. |
| Technical Information |
Applyautoloan.com uses technology to:
Gather technical information from Web browsers (IP address, operating system).
Set cookies on your computer. "Cookies" are small computer files which are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. Applyautoloan.com uses a cookie for each computer that visits its site. The cookie is integral to the customer experience and is necessary in order to use our online services. It allows Carloan.com to customize the website presentation based on your accounts. While cookies can be disabled, if you choose to disable our cookie you will not be able to use some of our websites. We do not use cookies to collect information from hard drives or to collect personal identifiable information; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.
Keep track of loan application through the use of "Action tags" which are invisible pixel.gif files placed on web pages that are used to track web navigation to those pages. |
| Security Safeguard Procedures |
Applyautoloan.com uses a variety of security safeguards to protect information from loss, misuse, alteration or destruction. We allow our customers to only access information in their account by submitting their user name and password they created during registration. We only provide access to personal information to Applyautoloan.com employees and other authorized parties on a "need to know" basis. We require all employees that have information access to attend a privacy training program and sign a Confidentiality Agreement that indicates that they comply with Applyautoloan.com privacy policies regarding the use and disclosure of information. |
Applyautoloan.com also uses Secure Sockets Layer (SSL) technology supporting 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from Applyautoloan.com. Our firewalls and anti-virus software are maintained to industry standards with updates automatically.
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| Sharing of Information with Third Parties |
| Applyautoloan.com may disclose personal information to the following third parties in the course of providing quality, secure service. |
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Applyautoloan.com Partners - Applyautoloan.com offers its services in conjunction with auto dealerships, financial institutions and other. When a customer completes a credit application with Applyautoloan.com for the purpose of locating a vehicle that meets their criteria and obtains credit for the purchase of such vehicle. The customer agrees that Applyautoloan.com and/or its auto dealers or lending partners may forward their application to other auto dealers or lenders for consideration. The customer authorizes any auto dealer or lender who receives their application to retain it, to rely on it and to obtain such other information as require, including credit reports, to complete the processing of their request for credit. The customer further authorizes that any auto dealer or lender who receives this application to inform Applyautoloan.com and its lending partners of their credit decision. These relationships are clearly stated in the application and by completing the application the customer agrees to permit Applyautoloan.com to share their information, which may include the applicant's name, address, phone number, e-mail address, and other personal financial information with our partners. The customer will be notified of the auto dealership that will be servicing their auto loan application.
Credit Reporting Agencies - When a customer applies for credit, he/she agrees that we may request consumer credit reports from one or more credit reporting agencies in connection with their application and administration of the application. The customer may also authorize us to exchange credit information concerning their account with others, such as merchants, other lenders and credit reporting agencies.
Service Companies - In order to provide quality service, Applyautoloan.com contracts with service providers for processing loan applications. We may disclose some or all of the information we collect to these service providers in order to obtain credit for the customer. These service companies are required by law to adhere to federal and state privacy regulations. We require a contract with organizations that provide services to our customers where we require them to conform to our privacy standards and to allow us to audit them for compliance. . All of Applyautoloan.com service providers have entered into a contract with Applyautoloan.com that forbids them from using information provided by Applyautoloan.com for any purpose other than providing the service for Applyautoloan.com customers.
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| Exercising the Right to Opt-Out of Information Sharing |
Applyautoloan.com provides its customers with the opportunity to opt-out of information sharing with affiliates and partners. A customer can make their opt-out decision before completing the auto loan application process. This is done by clicking on the link at the bottom of the auto loan application screen. |
| Storing of Information |
We protect all personal information by storing the information on tapes at an offsite facility in our Data Warehouse. The Data Warehouse is disconnected from the production environment. |
| Privacy Related Issues |
Applyautoloan.com is committed to customer service and privacy. If you would like to report any known or suspected privacy or security breaches, please do not hesitate to contact our Security Compliance Officer at privacy@applyautoloan.com
If you have any questions, comments or concerns regarding our Privacy Policy please contact our Security Compliance Officer at privacy@applyautoloan.com
Gramm-Leach-Bliley Act |
| Applyautoloan.com complies with the requirements of Title V of the Gramm-Leach-Bliley Act, 15 U.S.C. §6801 through § 6810 ("GLB Act"), and the Federal Trade Commission's implementing regulation, Regulation P, 16 C.F.R. Part 313 ("Regulation P"), related to the disclosure and protection of Non-Public Personal Information ("NPI") for customers with regard to the authorized distribution and intended use of customers' financial information to other parties. Applyautoloan.com will comply with the GLB Act and Regulation P for all customers NPI received, transferred, or obtained from the use of this site. |
| Thank you for visiting Applyautoloan.com |
| Effective Date: July 1, 2006 |
