Effective Date: 6/15/16
Consent and Updates
Except as stated above, all changes will apply to the personal data that is already collected and to the personal data that is collected after the effective date of the revised Policy. If any proposed change is unacceptable to you, you will have the right to terminate your relationship with us. You are advised to consult this Policy regularly for any changes.
What Information We Collect
We collect personal information about you that you provide while using our Services, including the application process and usage of our online platform. For example, we may collect the following personal information:
- your name;
- your email address;
- your date of birth;
- your home address and telephone number;
- your Social Security number;
- employment and income information; and
- credit report, credit score, and credit related information.
In addition, we collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We use this aggregated information in the administration of our website to improve its usability. We may also use this aggregate information to evaluate the success of particular marketing and advertising campaigns, search engine optimization strategies, and other marketing activities as well as for security purposes. We use non-identifying and aggregated information to help optimize our website based on the needs of our users.
Information We Receive From Third Parties
We may receive information about you from third parties, such as credit bureaus, identity verification services, and other public records. If you believe that information reported by the credit bureau is inaccurate, please contact the credit bureau to make any changes.
How We Collect Information
We collect information about you:
- from you when you register on our website in order to request a pre-qualification assessment and/or to apply for financing from a participating financing provider;
- from your communications with us; and
- from third parties such as credit bureaus, identity verification services, and other public records or websites.
Why We Collect Information
We may use and disclose your personal information that is collected through our Services in accordance with applicable law and the privacy notice, where appropriate, which uses may include:
- providing and managing Services you have requested;
- providing pre-qualification assessments;
- verifying your identity and authenticating you;
- creating customer profiles on our website;
- communicating with you regarding services that may be of interest;
- evaluating and improving our website and other offerings;
- tailoring our services and otherwise enhancing features, functionality, and customer experience;
- satisfying legal or regulatory requirements or law enforcement requests; and
as permitted by applicable law.
To help operate our website, enhance your experience, and collect information about online activity, we may place small data files on your computer or other device. These data files may be in the form of cookies, pixel tags, local shared objects, or other similar technologies. Cookies and similar technologies enable us to personalize our website and Services for you. These technologies may allow us to store and manage your preferences and settings, measure and analyze how you use our website and the effectiveness of our communications, offer services, and help us improve our services and security.
- “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience.
- Clear GIFs, pixel tags, or web beacons — which are typically one-pixel, transparent images located on a webpage or in an email or other message — or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns, and measure site or campaign engagement.
- Local shared objects, sometimes referred to as “flash cookies,” may be stored on your hard drive using a media player or other software installed on your device. Local shared objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way. For more information on managing local shared objects, visit https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Most browsers provide you with the ability to block, delete or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your browser’s help pages for assistance with changing your settings.
“Do Not Track” Signals
California law requires that operators of websites disclose how they respond to a “Do Not Track” signal. However, because there is not yet a common understanding of how to interpret Do Not Track signals, we do not currently respond to Do Not Track signals, if any, that we might receive from browsers. We will continue to work with the online industry to define a common understanding of how to treat Do Not Track signals. If you have any questions about cookies and other technologies, please visit http://www.allaboutcookies.org/ or http://networkadvertising.org/ or contact us as indicated in the How to Contact Us section below.
Links to or From Other Websites and Services
We are committed to maintaining the security and confidentiality of your personal information. We maintain physical, electronic, and procedural safeguards that are consistent with industry standards.
We protect your sensitive account information by storing it in encrypted form on computers not publicly accessible via the internet. We control access to this information via secure webpages and limit access to employees and third parties on a need-to-know basis. We do not allow visibility to Social Security numbers or bank account information via the website.
We employ firewalls and other security technologies to protect our servers from external attack. We enable our servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and our servers, creating a private “conversation” that cannot be viewed or accessed by other parties.
We also employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.
To keep your information secure, do not share your login credentials with anyone. Learn more about protecting your information at OnGuard Online: http://www.onguardonline.gov.
We do not knowingly solicit from, and the Services are not intended for, children under 13, and children under 13 should not provide personal information online. If a parent or guardian becomes aware that his or her child under the age of 13 has provided us with information without their consent, he or she should contact us. We will delete such information from our files.
How You Can Contact Us
If you have questions or concerns regarding this Policy, please contact: