www.auto-loans-network.com
its websites and affiliates take the position
that privacy is a very serious matter and
an essential part of our relationship with
customers. We take your personal privacy seriously.
We aim to safeguard your privacy, while offering
you the opportunity to apply for credit to
obtain an automobile loan through our network
of participating auto dealers nationwide and
affiliate partners.
In connection with your application for
credit, www.auto-loans-network.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:
- 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).
- 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.
- 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.
- 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.
- 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 maintain strict physical, electronic
and procedural safeguards that comply with
all state and federal regulations to guard
your nonpublic personal information.
We 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.
We do not disclose or sell your information
to non-affiliated third parties, except with
your prior consent.
Choice/Opt-Out
We provide you the opportunity to ‘opt-out’
of having your personally identifiable information
used for certain purposes, when we ask for
this information. For example, if you complete
our loan application but do not wish to receive
any additional marketing material from us
or our partners, you can indicate your preference
to opt-in or opt-out on our application form.
You may opt-out of any special promotions
or offers at anytime by sending an email requesting
to opt-out to admin@auto-loans-network.com.
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 Web sites, 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
www.auto-loans-network.com may disclose information
about you to the following types of third
parties: www.auto-loans-network.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 www.auto-loans-network.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.
www.auto-loans-network.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 www.auto-loans-network.com.
Please be aware that we, www.auto-loans-network.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.php
.
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@auto-loans-network.com.
This privacy statement applies only to information
collected by this Web site.
For Indiana residents, www.auto-loans-network.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
www.auto-loans-network.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 admin@auto-loans-network.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.
auto-loans-network.com.
Copyright © 2004
All Rights Reserved |
