Please know that we will not sell information about you or release any personally identifiable information without receiving your permission to do so. You can visit CarLoanMarket.com without revealing who you are and without providing personal information to CarLoanMarket.com.
Links to Third-Party Web Sites
Information Collected When You Are Browsing CarLoanMarket.com
When you browse through CarLoanMarket.com without entering any personal information, we will gather and retain information about your visit to CarLoanMarket.com. This data does not personally identify you and cannot be linked back to you unless you determine at some point to identify yourself to us. If you are only browsing CarLoanMarket.com, we collect the following information:
- Your IP address
- The type of web browser you are using and the operating system used to access CarLoanMarket.com
- The date and time that you access CarLoanMarket.com
- The pages that you visit while browsing on CarLoanMarket.com
Additionally, if you linked to CarLoanMarket.com from another web site we will also gather:
- The address of that web site as well as additional information related to your visit.
We will also use your IP address to help with diagnosing technical problems with our Web Site and web server, as well as for helping with administration of CarLoanMarket.com.
Other Information We Collect
When you communicate with us, such as when you submit a loan application, contact us via email, request a quote, request special financing, purchase a product or service, enter a contest, etc, we will need to obtain personally identifiable information from you or about you. This personally identifiable information may include information such as:
- Your name, home address, ZIP code, and/or other residence information including but not limited to your driver’s license number
- Employment information which may include employment references
- Email address, telephone number, Social Security number
- Financial information, including but not limited to assets, income, bankruptcy history, credit references, etc.
You acknowledge and agree that when you submit an application, request a quote, or request special financing that you expressly authorize us and up to six (6) third-party partners to contact you in connection with each application and/or request regardless of whether or not you are listed on any or all “Do Not Call” lists.
General and personally identifiable information we receive from you and/or about you may be used by us and/or shared – this includes evaluating and obtaining financial products or services – by us with our partners, affiliates, agents, vendors and other third parties to help complete a transaction or process a request or complete a transaction. In addition, this information may be used or shared to:
- Comply with any law, regulation, audit or court order
- Help improve the design and functionality of CarLoanMarket.com or enhance the products and/or services offered on the Web Site
- Support market and customer research
- Better understand the needs and desires of our users and customers
- Assist in the conception and development of new services and product offerings
- Alert you to new offerings, products and services either from us or our business partners and affiliates in which you may be interested.
Note that we may also take general and personally identifiable information about you that is available to us from internal or external sources and combine it with information you provide us to better serve your needs and improve our services and general offerings.
As part of our day-to-day business operations, we may also aggregate information and develop a variety of reports regarding the general and specific usage of CarLoanMarket.com, purchase history, as well as other data for sale or distribution to others. Please note that these reports are aggregated and do not include personally identifying information. We may also use your personal information to correspond with you via email or through postal communications with regard to promotions, products, or services offered by us, or by third parties, partners, and affiliates with whom we have relationships with regard to promotions, products, and services they offer, in which we think you may have an interest. We do not sell, share, rent, or trade your personal information to third parties for unknown reasons. You may choose not to receive promotional emails or postal communications from us by contacting us at firstname.lastname@example.org.
You also acknowledge and agree that, notwithstanding the foregoing, we may continue to contact you for the purposes of communicating information with regard to CarLoanMarket.com, and also to augment, facilitate, complete, and/or confirm any transaction that you may enter into or in order to respond to an inquiry or request made to us by you.
If you would prefer that we not provide your name and email address and/or your postal/home/business address to third parties for the purposes of direct marketing, please contact us at email@example.com.
As part of our general business operations, we collect nonpublic personal information about you from these (among other) sources:
- Information we receive from you on applications on CarLoanMarket.com or on other forms
- Information about any transactions you conduct with us, our partners and affiliates, or others
- Information about you that we may receive from credit reporting agencies
You acknowledge and agree that we may disclose some or all of the information we collect, as noted above, to credit and financial institutions, dealership lender partners, local automobile dealers and other third parties that provide financing referral services and to explore financing options as part of the processing of your credit request.
We also may disclose non-public personal information about you to non-affiliated third parties as permitted or required by law.
When you submit a financing request, information submitted to us is used to transmit your request to third parties who may be in a position to respond to your financing request. Note: Car Loan Market, LLC does not provide financing through CarLoanMarket.com and/or services associated with CarLoanMarket.com, but instead transmits financing requests to third-party vendors for consideration.
Federal law requires that all financial institutions obtain, verify and record information that identifies each person who opens an account with said financial institution. When you submit a financing application through CarLoanMarket.com and/or services associated with CarLoanMarket.com, your name, home address, birth date, and Social Security number will be used to validate/verify your identity. Additionally, as part of the financing request process, we may use business processes to verify the information you provide, and/or obtain omitted address and/or other contact information from third party organizations.
Modifying, Updating or Deleting Your Information
As part of the request process, you may modify, update, or delete your information at any time prior to submitting any request to us. Once you have completed and submitted a request form, you will not be able to change any of the information. In addition, once you have submitted your request to us, and that information has been transmitted to, and received by, third parties (lenders, brokers, dealers, etc.), this information is no longer under the control of Car Loan Market, LLC.
Data Safety and Security
Federal and state regulations require us to maintain a copy of your information for a period of three (3) years. During this period, we will maintain this data in a confidential and secure manner that will restrict access to third parties.
Access by Minors
As part of out business practices, we do not knowingly collect information from individuals under eighteen (18) years of age. Note: No information should be submitted to, or posted at, CarLoanMarket.com by individuals under the age of eighteen (18) years.
Third-Party Advertising on CarLoanMarket.com
We may, in the course of business, allow third-party advertising companies to serve ads on CarLoanMarket.com that you may view when you visit the Web Site. These organizations and companies use non-personally identifiable information regarding your visit to CarLoanMarket.com and other web sites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad to serve ads to you on CarLoanMarket.com (and other web sites) that may be of interest to you. They do not access/use your name, address, or other personal information as part of this process. In the course of serving advertisements to CarLoanMarket.com, these third-party advertisers may place or recognize a unique cookie on your web browser.
As part of the operation of CarLoanMarket.com, we use clear Graphic Interchange Files (GIFs) and/or pixel tags for management of our online advertising activities. These clear GIFs and/or pixel tags allow our ad serving companies to recognize your web browser’s cookie when that browser visits CarLoanMarket.com. These help us track and rank banner advertising in terms of their effectiveness in bringing users to CarLoanMarket.com. Information we collect and share using clear GIFs and/or pixel tags is not personally identifiable.
Copyright and Trademark Information
The CarLoanMarket.com Web Site is owned and operated by Car Loan Market, LLC. Unless otherwise specified, all content, materials, and information appearing on this Web Site, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements of such are the sole property of Car Loan Market, LLC, © 2010 Car Loan Market, LLC, ALL RIGHTS RESERVED. Permission is granted to electronically copy and/or to print portions of the CarLoanMarket.com Web Site for the sole purpose of placing an order for products or services offered on the Web Site. Any and all other uses of materials provided on this site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication is strictly prohibited without prior written permission of Car Loan Market, LLC. Any trademarks, trade names, or service marks owned by third parties are trademarks, trade names, or service marks of their respective companies.
The CarLoanMarket.com Web Site contains certain trademarks, copyrighted works, and service marks owned by Car Loan Market, LLC, and may also contain trademarks, copyrighted works, and service marks owned by affiliates, partners, and others who are associated with Car Loan Market, LLC and CarLoanMarket.com. You agree that you will not use, copy, or otherwise in any way infringe upon these trademarks, copyrighted works, or service marks. You further agree that you will not remove, copy, or alter any copyrighted work, service mark, trademark or any other notices from any of the content on the CarLoanMarket.com Web Site. Nothing contained on this site may be in any way construed as granting any right or license to use any of our copyrighted works, trademarks, or service marks without the express written consent of Car Loan Market, LLC.
Please print and retain a copy of this document for your records.