Privacy Policy
We won't sell or give away your name, mail address, phone number, email address, credit card number or
any other information to anyone with the exception of the information on an application for a car title
loan. This information will only be shared with our lender network.
We'll use state-of-the-art security measures to protect your information from unauthorized users.
NOTICE
We will ask you when we need information that personally identifies you (personal information) or allows
us to
contact you. Generally this information is requested when you create a Registration ID on the site or
when you
download free software, enter a contest, order e-mail newsletters or join a limited-access premium site.
We use
your Personal Information for four primary purposes:
To make the site easier for you to use by not having to enter information more than once.
To help you quickly find software, services or information.
To help us create content most relevant to you.
To alert you to product upgrades, special offers, updated information and other new services from This
Site.
SECURITY
This Site has taken strong measures to protect the security of your personal information and to ensure
that
your choices for its intended use are honored. We take strong precautions to protect your data from
loss,
misuse, unauthorized access or disclosure, alteration, or destruction.
We guarantee your e-commerce transactions to be 100% safe and secure. When you place orders or access
your
personal account information, you're utilizing a secure server software SSL, which encrypts your
personal
information before it's sent over the Internet. SSL is one of the safest encryption technologies
available.
In addition, your transactions are guaranteed under the Fair Credit Billing Act.
This Site strictly protects the security of your personal information and honors your choices for its
intended
use. We carefully protect your data from loss, misuse, unauthorized access or disclosure, alteration, or
destruction.
Your personal information is never shared outside the company without your permission, except under
conditions
explained above. Inside the company, data is stored in password-controlled servers with limited access.
Your
information may be stored and processed in the United States or any other country where This Site, its
subsidiaries, affiliates or agents are located.
You also have a significant role in protecting your information. No one can see or edit your personal
information without knowing your user name and password, so do not share these with others.
What we do with the information you share:
When you join us, you provide us with your contact information, including your name and email address. We
use
this information to send you updates about your application, questionnaires to measure your satisfaction
with
our service and announcements about new and exciting services that we offer. When you order from us, we
may ask
for your credit card number and billing address. We use this information only to bill you for the
product(s) you
order at that time. For your convenience, we do save billing information in case you want to order from
us
again, but we don't use this information again without your permission.
We occasionally hire other companies to provide limited services on our behalf, including packaging,
mailing
and delivering purchases, answering customer questions about products or services, sending postal mail
and
processing event registration. We will only provide those companies the information they need to deliver
the
service, and they are prohibited from using that information for any other purpose.
This Site will disclose your personal information, without notice, only if required to do so by law or in
the
good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with
legal
process served on This Site or the site; (b) protect and defend the rights or property of This Site and
its
family of Web sites, and, (c) act in urgent circumstances to protect the personal safety of users of
This Site,
its Web sites, or the public.
NOTICE - This Web Site collects certain information relative to users who visit the
site. This
Web site categorizes this information into certain categories and the privacy level and what we do with
the
information that we collect on you depends upon the category in which you fall.
Our company does not make any attempt to obtain information that personally identifies our users who
visit our
web site with the exception of users who fill out online applications. It is not our policy to sell or
otherwise
provide access to such information to unaffiliated third parties.
Category I - Information on users who visit our site to read or download information on
our
pages. From these users, we collect and store only the following information:
The domain name through which you gained access to our Web site;
The precise time and date that you entered our web site.
The URL of the web page through which you linked to our web site.
Category II - Users who send us e-mail containing personal information or identifies
you, sign
our guest book, or request email publications. Any information that we collect in this way is used only
for
purposes of responding to you and addressing the issues that you may have raised.
Any information that we collect is collected as part of our business practices in order to identify
demographic
information relative to users who access our site, assessing the number and type of user accessing
various
sections of our site, helping us determine what content and business concepts are working for us and/or
are of
interest to our visitors, determining technical design features and specifications and helping us assess
systems
performance. We also use such information in statistical form to assist us in business and marketing
strategies
and programs. We utilize software programs to create summary statistics which we utilize for the above
purposes.
As a security measure for ourselves and our users, we utilize certain software programs to monitor
traffic to
our site and within our network. This software also enables us to identify unauthorized upload attempts,
access
to our system, and other attempts to cause damage to our systems.
e-Sign Consent Agreement
Please read this e-Sign Consent Agreement ("Agreement") carefully and retain a copy for your records.
This Agreement applies to all disclosures, agreements, statements, notices and other documents related
to your application or loan (the "Documents") including, but not limited to, any documents relating to
your Documents.
This Agreement will be effective until you tell us that you no longer want to receive Documents
electronically by sending notice in the manner described in Section 4 below.
1. Electronic Delivery of Documents
By checking the box and clicking "continue," you consent and agree that:
- a. Documents can be provided to you electronically including, but not limited to, all disclosures
required
by law and other information about your legal rights and duties, and our agreement to do so applies
to your
inquiry with us and our participating network of lenders;
- b. Your electronic signature on any Documents has the same effect as if you signed them in ink;
and
- c. Your computer or electronic device meets the specifications and requirements listed below, and
that
computer or device permits you to access and retain the Documents electronically.
You agree to have all Documents sent to you electronically (1) via email, or (2) by access to a website
or link
that is provided to you in an e-mail notice which is sent to you when the information is available,
or(3) to the
extent permissible by law, by access to a website designated in advance for such purpose. You agree that
Documents provided electronically have the same meaning and effect as if paper Documents were provided
to you.
When an email or other electronic notification is sent to you telling you that a Document is available
electronically (and the Document is not is not made available online), that shall have the same meaning
and
effect as if a paper Document was provided to you, whether or not you choose to view it.
You also confirm that you have the hardware and software described in Section 3 below, and that you are
able to
receive and review electronic records, and that you have an active email account.
2. Email Address
You must keep your email or electronic address current with us. You must promptly notify us of any change
in your email or other electronic address. You may change the email address on record for you by calling
us during working hours. You agree that if we send an email message to you regarding any electronic
communication or send any electronic communication to the email address you have provided us and such
email message is returned as undeliverable, we will be deemed to have provided such electronic
communication to you.
3. Hardware and Software You Will Need
You must have the following listed items and features in order to receive Documents electronically, to
print
copies of the documents, and to retain electronic copies of the Documents:
- a. A personal computer with monitor, keyboard and mouse capable of accessing the internet and
sending and
receiving email
- b. Internet access with 128-bit encryption
- c. Adobe Acrobat Reader 6 or higher
- d. Ability to Print Internet Explorer 6 or higher
- e. Netscape 8.04 and above (Use in IE mode)
- f. Email Access or Firefox version 1.5
As permitted by and in accordance with applicable law, we reserve the right to discontinue support of any
software for any reason, including without limitation, our opinion that it suffers from a security or
other
defect that makes it unsuitable for use with our website. And we always reserve the right, in our sole
discretion, to communicate with you by mail.
4. Withdrawing Consent
You understand that you have the right to receive Documents in paper form. You can request paper copies
and/or
withdraw consent to receive Documents electronically by calling us during working hours.
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a
reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able
to use
certain online functionality or complete actions with respect to your account online.
