Community Auto Credit

Privacy Policy

Community Auto Credit.com understands that privacy concerns are of utmost importance when it comes to the use of your personal information. Because we would like to assure you that we are committed to protecting your personal privacy, Community Auto Credit.com has created this privacy statement. We collect the information necessary to respond to your requests for our financial products and services, and the following discloses our information gathering and dissemination practices for this website: Our site's qualification form may require users to give us information such as your name, address, phone number, e-mail address, social security number, employment, income, credit history and other financial information. This information gathering procedure allows Community Auto Credit.com to find you a lender that best meets your borrowing needs and is forwarded to the dealer/lender. It will be necessary during this process to contact you via the email address you have provided on the form you submitted for auto finance approval. At any time during this process you decide that you no longer wish to particpate in our program, simply type the word REMOVE in the subject matter box when replying back to our request. This site contains links to other sites.

Community Auto Credit.com is not responsible for the privacy practices or the content of such websites.

Consent for Sharing / Shared Information

If you provide us with your name and mailing address, we may decide to make it available to other companies that wish to tell you about their products. (See below if you prefer that we not share this information). We may segment the information into groups of customers who have bought similar amounts and types of products, but we will never provide details that are specific to a single customer or household. Of course, if there is any information that we are legally required to provide to government agencies, credit reporting agencies or to prevent fraud, we will comply with our legal obligations. Occasionally, when Community Auto Credit.com does not have a partner dealership available in a specific area to assist our consumers, we may forward your request for information to another reputable auto loan network. In such a case, you will become subject to the security and privacy policies that are posted on the associated website and if you wish to do so, you will have to opt out of disclosure through the associated website.

Please read this information carefully and print a copy and/or retain this information electronically for future reference. The terms “you” and “your” refer to a consumer who applies for a loan through our partner.

(“Application”) made by our lending partner. (“we,” “us,” and “our”). This Consent for Sharing and Use of Information supplements our Privacy Policy.

By completing all required fields in the Application, selecting “I read and agree to the Consent for Sharing and Use of Information,” and clicking the “Submit Application” button on our website Application page, you agree that:

1. We may, after approving your Application, disclose the following nonpublic personal information about you to nonaffiliated automobile dealers and nonaffiliated financial institutions or third parties participating in our lending program:

Identification and contact information about you that we received from your Application or related credit forms, such as your name, mailing address, email address, and telephone number;

Information about the vehicle(s) you may want to purchase that we received from your Application or related credit forms; and

Information about your transactions, experiences, and dealings with us, such as the amount, terms, conditions, and status of the loan we have approved based on your Application or related credit forms; and

2. We may, if we are unable to approve your Application or make an auto loan, disclose the following nonpublic personal information about you to nonaffiliated financial institutions, creditors or third parties that may be able to arrange or provide you with a dealer financing or an automobile loan that we cannot or will not provide:

Information about you that we received from your Application or related credit forms, such as your name, mailing address, email address, Social Security number, driver’s license number, telephone number, income, assets and liabilities;

Information about you that we received from a consumer reporting agency, such as your consumer report and credit score.

You understand and agree that we are not responsible for any services that might be provided by nonaffiliated automobile dealers, financial institutions, creditors, or third parties.

You agree the nonaffiliated automobile dealers, financial institutions, creditors or third parties that receive the nonpublic personal information described above may use that information to contact you for their own business purposes and may obtain such additional information about you as they may require, including consumer reports, to complete processing of your credit application.

You understand that your information sharing consent will remain in effect until you revoke or modify it. You may revoke your information sharing consent at any time.

We will maintain a true and correct copy of this.

Consent For Texting / SMS

If a mobile number is provided, we and/or our partners may text you information about your application. Our lending partner does not charge to send or receive text messages as part of our application process.

However, messages and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.

Once your mobile device has been activated, you will receive instructions via email to opt-out and request additional information. We and/or our partners will only send you updates on the status of your application.

Supported mobile service providers include: Alltel (part of Verizon), Appalacian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless

We and/or our partners may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We and/or our partners reserve the right to modify these Terms of Use from time to time without notice. Please review these Terms of Use from time to time so that you are timely notified of any changes.

Additionally, you agree that we and/or our partners may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. You obligation under this paragraph shall survive termination of the Agreement, SMS Statement Notification are provided for your convenience only.

Collecting Information

In order to ensure that consumers get the very best service, Community Auto Credit.com collects demographic information, web pages visited and other consumer-volunteered information from sources such as forms, survey information and/or site registrations. Community Auto Credit.com also collects information from auto loan applications including name, zip code, phone number, e-mail address and certain finance and credit-related information. Gathering this information helps Community Auto Credit.com to identify our customers and manage our customer relationships. It also assists Community Auto Credit.com in the development or referral of products and services that we believe will meet the continuing needs of our customers. Collected information is also used to improve the content of our Web site, customize the content and/or layout of our Web site for individual users, and members of our auto dealer network to contact you for follow-up information to their auto loan application and/or for marketing purposes. Auto loan information is used to route requests to our auto dealer network, fulfillment and marketing partners and to contact consumers. By submitting an application, you agree that a member of our dealer network group can contact.

Personalization

Community Auto Credit.com offers its users the advantage of personalization on our Web site by using cookies. Web site personalization provides our customers with a more convenient online experience and is at no given time used to track information or retrieve data from your hard drive.

Cookies

Cookies are pieces of information that a web server may transfer to your computer through your web browser. When this information is stored on your computer, our system is able to recognize your browser and in turn customize web page content for you. We will not use any cookies to retrieve data from your hard drive or obtain sensitive information about you. When a cookie is set, your browser will check it for length, an expiration date, and where it originated. Only Community Auto Credit.com. can access the cookies that we set. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain aspects of our online services or website features.

Ownership of Collected Data

Once it is received in our database, auto loan information, including your name, e-mail address, home address and financial/credit status information becomes the property of Community Auto Credit.com. This information is passed on to our dealers, fulfillment and marketing partners and affiliates for completion of the loan. Once one of these entities receives this information, it becomes the subject to their respective privacy policy, in addition to Community Auto Credit.com's. Our accredited dealers use this information to process your purchase request and provide valuable services. Any request to opt out of future dealer communications must be made directly to the dealer.

Tracking Pixels

Community Auto Credit.com uses clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. In addition, some Community Auto Credit.com affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their websites.

Our Policies Regarding the Collection of Information of a Minor

The information and services provided by Community Auto Credit.com, our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Community Auto Credit.com.

Viewing our Pages

If you browse through our Web site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our Web site from another Web site, the address of that Web site.

Our Website and Application is Secure

Community Auto Credit.com understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.

If You Reside in Vermont

Vermont has adopted new consumer privacy regulations that may require financial institutions to obtain your consent prior to sharing nonpublic personal information about you with non-affiliated companies. If you are a resident of Vermont, we will not share nonpublic personal information we collect about you, your account or your transactions without your consent except as otherwise permitted by law.

Fair Lending

Under the Equal Credit Opportunity Act (ECOA), Community Auto Credit.com is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has - in good faith - exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). We recommend you make and retain a copy of our Privacy Policy.

Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this loan.

Other Companies' Policies may Differ

Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. If you disclose your information to dealers or other parties that you are placed in contact with through our site or other sites throughout the Internet, different privacy policies may apply to their use or disclosure of the information you disclose to them. Since Community Auto Credit.com does not control the privacy policies of third parties, you are subject to the privacy policies of that third party and we encourage you to read their privacy policies or ask questions before you disclose your personal information to others.

Terms of Acceptance

By using this site and providing us with your information, you agree to the Community Auto Credit.com Privacy Policy. If you do not agree to this policy, please do not use our site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page frequently for changes. Your continued use of the Community Auto Credit.com site means you accept those changes. You can e-mail us with any further questions you may have. Info@communityautocredit.com.

Thank you for visiting Community Auto Credit.com!

This Privacy Policy Last Modified February 22, 2016