Privacy Policy

We invite you to use Carloan.Expert and hope you find helpful information that can assist you in obtaining automotive financing. We take your privacy seriously & we are committed to protecting it online. We have general business practices to help protect & safeguard your privacy. Carloan.Expert Privacy Policy applies to information about you that we collect and receive.

Please understand that we will not sell information about you or release any personally identifiable information without receiving your permission to do so. You can visit Carloan.Expert without revealing who you are and without providing personal information.

Our Privacy Policy is designed to help you understand how personal information about you will be handled as you use Carloan.Expert. This document also discloses our practices with regard to information gathering and dissemination. By using this site, you acknowledge and agree to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please discontinue use of Carloan.Expert.

Links to Third-Party Sites

Carloan.Expert has links on our site. These links include third-party web sites that offer resources, information, and related or helpful products and services. If you choose to visit another web site through a link that is on Carloan.Expert, please make sure you review the privacy policy of the web site you are visiting. Carloan.Expert is in no way responsible for the content or privacy practices of other web sites that you may choose to visit.

Information Collected while visiting Carloan.Expert

When you browse through Carloan.Expert without entering any personal information, we will gather and keep information about your visit. This data does not personally identify you & cannot be linked back to you unless you determine at some point to identify yourself to us. We collect the following information:

  1. Your IP address
  2. The type of web browser you are using and the operating system used to access Carloan.Expert The date and time that you access Carloan.Expert
  3. The pages that you visit while browsing on Carloan.Expert

Additionally, if you linked to Carloan.Expert from another web site we will also gather:

  1. 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 webserver, as well as for helping with administration of Carloan.Expert.

Other Information We Collect

When you communicate with us, such as when you submit Financing Request form, or financing application or contact us via email, request a quote, 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

  1. Employment information with references
  2. Email address, telephone number, Social Security number
  3. Financial information, including but not limited to assets, income, bankruptcy history, credit references, etc.

You acknowledge and agree that when you submit a Financing Request form and/or request a quote, that you expressly authorize us and up to (6) third-party affiliates may 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. Further you understand that these people may contact you on your home, cell, work, or any other number provided directly or with an auto dialer. General and or any personally 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 or even with our partners, affiliates, agents, vendors and other third parties to help complete a transaction or process a request. In addition, this information may be used or shared to:

  1. Comply with any law, regulation, audit or court order
  2. Help improve the design and functionality of Carloan.Expert or enhance the products and/or services offered on the Web Site
  3. Support market and customer research
  4. Better understand the needs and desires of our users and customers
  5. Assist in the conception and development of new services and product offerings
  6. 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 business operations, we may also aggregate information and develop a variety of reports regarding the general and specific usage of Carloan.Expert, 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 customercare@carloanexpert.com.

You also acknowledge and agree that, notwithstanding the foregoing, we may continue to contact you for the purposes of communicating information with regard to Carloan.Expert, 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 customercare@carloanexpert.com.

As part of our general business operations, we collect nonpublic personal information about you from these (among other) sources:

  1. Information we receive from you on applications on Carloan.Expert or on other forms
  2. Information about any transactions you conduct with us, our partners and affiliates, or others
  3. 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, automobile dealership affiliates, local automobile dealers and other third parties that provide financing and financing referral services and to explore financing options as part of the processing of your financing request.

We also may disclose non-public personal information about you to non-affiliated third parties as permitted or required by law.

All information provided by consumers in any of the above-listed ways or otherwise may be used and disclosed as permitted in this Privacy Policy.

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: Carloan.Expert does not provide financing 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 Carloan.Expert and/or services associated with Carloan.Expert, 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.

Use of Cookies

As part of your interaction with, and usage of, Carloan.Expert, we may place "cookies" on your computer. "Cookies" are small data identifiers sent from a web server and stored on your hard drive. They help us to recognize you if you visit Carloan.Expert again in the future. We also use cookies to determine and track how you found Carloan.Expert. The design and intent of cookies is that they are not to be used to obtain data from your computer’s hard drive, your email system (s), or gather any other personal information about you. In order to protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet. With virtually any browser, you can reject cookies by changing your browser settings. Note, however, that if you reject our cookies it is possible that some web pages from Carloan.Expert may not properly load, you may have to enter information about yourself more than once, or your access to certain information could be denied.

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 Carloan.Expert.

Data Safety and Security

During electronic transmission from you to us, we safeguard your personal information (such as credit card information, Social Security numbers and other financing request information, etc…) using known encryption, security standards, and business procedures. Access to non-public personal information about you is restricted only to those employees on a strict "need to know" basis and only made available to them in order to provide products or services requested by you. We maintain electronic, physical, and other business and procedural safeguards in order to comply with applicable privacy laws to protect your non-public personal information. In addition, we evaluate new technology offerings for safeguarding sensitive customer information on a regular basis. Note, however, that if your information is forwarded to a finance company, dealership, or other third party provider, your information will be transmitted according to the security and privacy policies of that financing company, dealership, or third-party provider whose privacy practices may be different from ours. Under those circumstances, your information as shared with those other providers will become subject to their specific privacy policies and not the Privacy Policy of Carloan.Expert. 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, Carloan.Expert by individuals under the age of eighteen (18) years. Third-Party Advertising on Car loan Expert.

We may, in the course of business, allow third-party advertising companies to serve ads on Carloan.Expert that you may view when you visit the Web Site. These organizations and companies use non-personally identifiable information regarding your visit to Carloan.Expert 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 Carloan.Expert (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 Carloan.Expert, these third-party advertisers may place or recognize a unique cookie on your web browser.

As part of the operation of Carloan.Expert, 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 Carloan.Expert. These help us track and rank banner advertising in terms of their effectiveness in bringing users to Carloan.Expert. Information we collect and share using clear GIFs and/or pixel tags is not personally identifiable.

Copyright and Trademark Information

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 Carloan.Expert, © 2013 Carloan.Expert. ALL RIGHTS RESERVED. Permission is granted to electronically copy and/or to print portions of the Carloan.Expert 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 Carloan.Expert. Any trademarks, trade names, or service marks owned by third parties are trademarks, trade names, or service marks of their respective companies.

Carloan.Expert Web Site contains certain trademarks, copyrighted works, and service marks owned by Carloan.Expert, and may also contain trademarks, copyrighted works, and service marks owned by affiliates, partners, and others who are associated with Carloan.Expert. 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 Carloan.Expert 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 Carloan.Expert.

Modifications to This Privacy Policy

This Privacy Policy may be modified, edited, or materially altered from time to time. You will not be given any notice as to these modifications so be sure that you check back here frequently. Your continued use of Carloan.Expert after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes in this Privacy Policy.

Questions

If you have any questions about our Privacy Policy please contact us at: customercare@carloanexpert.com. Please print and retain a copy of this document for your records.

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