Website Usage Policy

Introduction

We want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law.  This document explains our website usage policy and gives you reasons why we ask for the type of information we do. Please take a moment to read this entire policy.

We have contracted with our technology partner "Auto Jockey CRM" to provide the loan application on this website. We have contractual agreements with "Auto Jockey CRM" prohibiting them from disclosing or using the information other than for the purpose it was disclosed. If you have any questions about this particular usage statement, the practices of this Web site, or your dealings with this Web site, you can contact us at support@autojockey.com.

By using this web site, you are agreeing to the terms of our website usage policy. We reserve the right to change this website usage policy at any time.

You can visit this website without telling us who you are and without revealing any personal information. During normal website usage, we do not collect, gather or store any personal information from you, such as name, social security number, address, phone number or e-mail address unless you consent to provide the information voluntarily by completing the Credit Application.

Anytime you visit our Web site, we may gather certain non-personally identifiable information regarding the means you use to access our site. This information may include the type and version of your browser, your service provider, your IP address and any search engine you may have used to locate the site. We use this information to help diagnose problems with our server, administer the Web site, and compile broad statistical data. Such information is gathered by us in the aggregate and will not be associated with a specific individual without that individual's consent.

Collection of Information

The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information.  For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness.  We may also obtain information from a credit-reporting agency.  We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state or federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

In order to provide you with better service, we require you to submit specific personal information about yourself, including your name, address, phone number, social security number, e-mail address, and employment information. We will also compile financial data such as your credit history, monthly income, and employment history. This information gathering process enables us to locate the best financing program available to meet your individual borrowing needs.

Protecting Your Information

We safeguard nonpublic personal information according to established industry standards and procedures.  We maintain physical and electronic safeguards that comply with federal law.  We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you.  We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Consent for Electronic Disclosures Electronic Signatures in Global and National Commerce Act.

Introduction: You are submitting a request for a loan pre-qualification, a loan application or form through us (hereinafter, a "Request"). We can only give you the benefits of our service by conducting our business through the Internet. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices, privacy policies and information ("Disclosures") from us and the lenders to whom your Request is submitted. By completing and submitting a Request through us, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures.

Electronic Communications: Any Disclosures related to your Request will be provided to you electronically from us. However, if you wish to obtain a paper copy of any of the Disclosures, you may write to our technology supplier: Auto Jockey CRM, Inc., Disclosure Request, 1008 N. Davis, Arlington, TX  76012 with the details of your request. Paper copies will be provided to you at no charge.

Consenting to Do Business Electronically: Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described in this document.

Scope of Consent: Your consent to receive Disclosures and to do business electronically, and our agreement to do so, only applies to this Request. You will receive Disclosures from us and you may also receive Disclosures and other communications from our participating Lenders. After your Request is transmitted to one or more of our participating Lenders, and after you decide to continue to pursue your Request, then you and the Lender should discuss how subsequent Disclosures will be delivered.

Hardware and Software Requirements: To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or equivalent software; and hardware capable of running this software.

Withdrawing Consent: Because we will provide the Disclosures to you instantaneously, you will not be able to withdraw your consent to do business electronically with us. However, you may withdraw your consent to do business electronically with our participating Lenders at no cost to you. You may do so by contacting the Lender at the mailing address, e-mail address or telephone number they provide with their offer. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.

Changes to Your Contact Information: You should keep us informed of any change in your electronic or mailing address. You may contact our technology provider Auto Jockey CRM Customer Care by telephone at 817-276-0000 regarding any such changes.

YOUR ABILITY TO ACCESS DISCLOSURES. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH US ELECTRONICALLY.

Federal Notices

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

STATE NOTICES

State Law Disclosures

Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin Residents: If you, the applicant, are married and live in a community property state, you should also provide the personal credit information on your spouse in the co-applicant section. Your spouse is not required to be a co-applicant for the credit requested unless he/she wishes to be a co-applicant.

California Residents: An applicant, if married, may apply for a separate account.

Maine Applicants: You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender.

Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

New Hampshire Residents: If this is an application for balloon financing, you are entitled to receive, upon request, a written estimate of the monthly payment amount that would be required to refinance the balloon payment at the time such payment is due based on the creditor's current refinancing programs.

New York Residents: In connection with your application for credit, we may request a consumer report that contains information on your credit worthiness, credit standing, personal characteristics and general reputation. If we grant you credit, we or our servicer may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask us, we will tell you whether we obtained a consumer report and if we did, we will tell you the name and address of the consumer reporting agency that gave us the report.

Rhode Island Applicants: Credit reports may be obtained in connection with your application.

Vermont Residents: By clicking on "Next", you authorize us and our employees or agents to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that we may deem necessary or appropriate in evaluating your application. If your application is approved and credit is extended, you also authorize us, and our employees and agents, to obtain additional credit reports and other information about you 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 Residents: Wisconsin law provides that no provision of any marital property agreement, or unilateral statement, or court order applied to marital property will adversely affect a creditor’s interests unless, prior to the time that the credit is granted, the creditor is furnished with a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, the full name and current address of your spouse must be properly disclosed in the co-applicant section of this application.