Please refer to the end of the document for the State Law Disclosures, Consent for Electronic Documents and contact information.
This privacy statement describes how Car Loan Pal Holdings, LLC. collects and uses the personal information you provide on our Web site: www.CarLoanAnswer.com . It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
In order to provide you with additional product and service offerings, we may disclose all Private Information about you with trustworthy and reputable third parties such as:
l Financial service providers
l Non-financial companies
IF YOU PREFER THAT WE NOT DISCLOSE YOUR PRIVATE INFORMATION WITH NON-AFFILIATED MARKETING COMPANIES, YOU MAY "OPT-OUT" OF THOSE DISCLOSURES, THAT IS, YOU MAY DIRECT US NOT TO MAKE THOSE DISCLOSURES (OTHER THAN DISCLOSURES OTHERWISE PERMITTED BY LAW). IF YOU WISH TO OPT OUT OF OFFERS OTHER THAN SUBMITTING A VEHICLE FINANCE APPLICATION, SIMPLY DO NOT CHECK THE BOX NEXT TO “I WOULD LIKE TO RECEIVE OTHER SPECIAL OFFERS" ON THE VEHICLE FINANCE APPLICATION FORM.
We will not release your personally-identifiable data without your permission.
If you access www.CarLoanAnswer.com without entering any personal information, we will gather and store information about your visit. This information does not identify you and cannot link back to you unless you choose to identify yourself.
Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.
When you submit a vehicle financing application, we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include your name, home address, residence information, employment information, e-mail address, telephone number, social security number, financial information, bankruptcy history, credit references, etc. Consumers who submit an application expressly authorize us and third party partners to contact them in connection with each application and/or request regardless of whether or not such consumer is listed on a "Do Not Call" list.
The information we receive about you or from you may be used by us or shared (including evaluating and obtaining financial products or services) by us with our corporate affiliates, agents, vendors and other third parties to help process your request or complete a transaction; to comply with any law, regulation, audit or court order; to help improve our website or the products or services we offer; for research; to better understand our customers' needs; to develop new offerings; and to alert you to new products and services (of us or our business associates) in which you may be interested. We may also combine information you provide us with information about you that is available to us internally or from other sources. The more we know about you, the better we are able to serve you.
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications on our website or other forms;
Information about your transactions with us, our affiliates, or others; and
We may disclose all of the information we collect, as described above, to financial institutions, dealership lender partners, local dealers and other third parties that provide financing referral services to explore financing options to process your credit request.
We also may disclose non-public personal information about you to non-affiliated third parties as permitted by law.
Information submitted to us in connection with a financing request is used to transmit the request to third parties who may be in a position to respond to your request. We do not provide financing, but instead transmit those requests to third-party vendors for consideration.
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you submit a financing application, your name, residential address, date of birth and social security number will be used to verify your identity. In addition, as part of the request process, we may verify the information you provide, or obtain omitted address or other contact information from third parties.
By checking the box next to “I authorize your Finance Partners to check my credit report." and by submitting an Application you are affirming on behalf of the stated Applicant(s): “I authorize any and all Finance Partners and its employees, agents and potential assignees to obtain and verify information about me (including one or more credit reports, information about my employment and banking and credit relationships) that any of them may deem necessary or appropriate in evaluating my Application. If my Application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate purpose. I further understand that multiple credit reports may be obtained by multiple Finance Partners in an attempt to process my Application." I understand that by checking the box “A cosigner is available if necessary" that I may be asked to provide additional information about the cosigner and the cosigner will be asked to provide authorization to pull the cosigner’s credit report as well.
Please note that users can not update or delete previously submitted information. If your information (such as your email address) should change, we ask that you re-submit a registration form or request.
We safeguard your personal identifying data (e.g., name and social security number) during electronic transmission from you to us using known encryption, security standards and procedures. With respect to our employees, we restrict access to non-public personal information about you only to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and other procedural safeguards to comply with applicable privacy laws to guard your nonpublic personal information. We also assess new technology for protecting sensitive customer information on an ongoing basis. However, if your information is forwarded to a third party provider, your information will be transmitted according to the security and privacy policies of that third party provider whose privacy practices may differ from ours. Your information, as shared with outside providers will become subject to those different privacy policies.
Our Site includes links to other Web sites whose privacy practices may differ from those of Car Loan Pal Holdings, LLC . If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.
We do not knowingly collect information from individuals under the age of eighteen (18). No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
By submitting personal contact and/or financial information through (carloananswer.com domain), the user hereby grants written permission to carloananswer.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at carloananswer.com you are consenting to receive phone calls from carloananswer.com, its affiliated sites, and its business partners for contact via telephone and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.
Carloananswer.com registrants may opt-out of receiving further communications from carloananswer.com by:
(1) following "unsubscribe" instructions in any carloananswer.com e-mail received by registrant, or
Unsubscribing from the carloanpal.com email list does not automatically unsubscribe you from other email lists. Please read your email carefully to understand which email list you are unsubscribing from.
You can contact us by writing or email us at the address below:
CarLoanPal - 5850 Coral Ridge Dr, Suite 105 Coral Springs, FL 33076
Trademark and Copyright Information
Everything on our website is copyrighted (unless otherwise noted) and may not be used except with our express written consent. Use of text or images by you or other third parties is prohibited and may violate the copyright laws, trademark laws, privacy laws and other laws and regulations. Nothing contained on this site may be construed as granting any license or right to use any of our text, images, trademarks or service marks, or any content on our website, without our prior written consent.
We do not accept or solicit any fees or payments from you. When you submit an Application to us and your Application is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
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.
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.
You are submitting a Vehicle Finance application ("Application"). To continue this process, our Finance Partners must provide you certain notices, documents, information and disclosures related to your Application electronically ("Electronic Documents"). By reading this Consent for Electronic Documents, you agree that you have been informed of your rights when receiving these Electronic Documents. By agreeing to receive Electronic Documents, you acknowledge receipt of this Consent for Electronic Documents, and agree to receive Electronic Documents via the internet to the e-mail address designated on your Application. You need to contact the Finance Partner if you would like such records to be provided on paper or in non-electronic form.
Before choosing to receive Disclosures electronically, you must decide if you have the necessary hardware and software to access and store these Electronic Disclosures. To obtain electronic Disclosures, you will need a personal computer or other device that can access the Internet, Adobe Acrobat Reader software, and a working electronic mail address. To store electronic Disclosures, your computer or access device must allow you either to download and store electronic Disclosures to the computer, access device, or another media storage device or to print web pages and embedded HTML files that are provided electronically. To verify that you have the necessary hardware and software, try to save or print a copy of this screen. If what you save looks like what you see on the screen, you have the necessary hardware and software.
Consent and Acknowledgment:
BY CLICKING THE SUBMIT BUTTON TO SEND THE APPLICATION TO CARLOANPAL.COM, YOU HEREBY ACKNOWLEDGE YOU CAN ACCESS ELECTRONIC DOCUMENTS, AND YOU CONSENT TO HAVING ELECTRONIC DOCUMENTS PROVIDED TO YOU ELECTRONICALLY VIA E-MAIL.
Please be aware that we may change our State Law Disclosures and/or Consent for Electronic Documents from time to time. If we do, we will update this State Law Disclosures and Consent for Electronic Documents at our website, so be sure to check back here frequently.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
LAST UPDATED May 1, 2014