Courtesy Car Loans, its websites and affiliates take the position that privacy is a very serious matter and an essential part of our relationship with customers. We take your personal privacy seriously. We aim to safeguard your privacy, while offering you the opportunity to apply for credit to obtain an automobile loan through our network of participating auto dealers nationwide and affiliate partners.

In connection with your application for credit, Courtesy Car Loans may acquire information about you, which is handled as stated in this notice.

We collect nonpublic personal information about you from the following sources:
1. Information we receive from you on the actual credit application, such as Name, Address, Social Security number, Monthly Income, date of birth, etc.
Social Security Numbers are required on the application form. When you enter your social security number on our form we encrypt is using secure socket layer technology (SSL).

2. We request your authorization to receive information from a consumer reporting agency (credit bureau). That authorization is transmitted to a participating automobile dealer or affiliate partner in our network, who will actually request and receive your credit report.

3. Uses of Information – We use the information provided by you on the application form to assist in finding financing of a motor vehicle within our national new and used car dealer network or one of our affiliate partners. We also use this information to present other offers of interest that you have not specifically opted out of.

4. Correspondence - The information you provide when communicating in writing, by phone or online with our customer service representatives. We do share information about our customers, their accounts or transactions to others for their use as described in this Privacy Policy.

5. Personally identifiable information – We share personally identifiable information with partners as it relates to offers and promotions where you have opted in.

When we do share information, it is limited to the information necessary for the particular circumstance and only under strict controls to prevent misuse.


We maintain strict physical, electronic and procedural safeguards that comply with all state and federal regulations to guard your nonpublic personal information.

We use this information to evaluate your application, and to locate a participating auto dealer or affiliate partner who can continue the process of assisting you in obtaining an auto loan or purchasing an automobile. With your consent, we may inform you of offers for other services offered by third parties.

We do not disclose or sell your information to non-affiliated third parties, except with your prior consent.

Choice/Opt-Out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you complete our loan application but do not wish to receive any additional marketing material from us or our partners, you can indicate your preference to opt-in or opt-out on our application form. You may opt-out of any special promotions or offers at anytime by sending an email requesting to opt-out to admin@courtesycarloans.com.

Cookies
"Cookies" are small computer files which are automatically placed on your computer's hard drive when you are connected to a website. At the present time, we do not use cookies to gather information about our customers.

Log Files
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We link this automatically collected data to personally identifiable data. IP addresses are linked to personally identifiable information for security purposes.

Sharing Information
Courtesy Car Loans may disclose information about you to the following types of third parties: Courtesy Car Loans affiliates- auto dealerships or other lenders in your region who may be able to assist you in the auto loan application process.

This Privacy Policy applies to consumers that have signed up on the Courtesy Car Loans affiliated websites. We may use the personal information that you supply to us and work with other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.
Courtesy Car Loans does not knowingly offer its credit application to minors.

Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by Courtesy Car Loans. Please be aware that we, Courtesy Car Loans, are not responsible for the privacy practices of such other sites.

We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.

Security
The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html .

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Web site, you can send email us at admin@courtesycarloans.com.

This privacy statement applies only to information collected by this Web site.
For Indiana residents, Courtesy Car Loans and its dealer affiliates have express permission to contact you by telephone, provided you have given your telephone number in the application.

California Applicants:
If married, you may apply for a separate account.

New York Applicants:
In connection with your application for credit, the dealer to whom this application is delivered may request a consumer report, which contains information on your credit worthiness, credit standing, personal characteristics and general reputation. If the dealer grants you credit, it (or its assignee) may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask the dealer, it will tell you whether it obtained a consumer report and, if it did, it will tell you the name and address of the consumer reporting agency that gave it the report.

Ohio Applicants:
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.

Rhode Island Applicants:
A consumer report may be requested in connection with this application.

Vermont Applicants:
By submitting my (our) application, I (we) authorize the dealer I chose on my (our) application and its employees, agents and potential assignees to obtain and verify information about me (us) (including one or more credit reports, information about my (our) employment and banking and credit relationships) that any of them may deem necessary or appropriate in evaluating my (our) application. If my (our) application is approved and credit is granted, I (we) also authorize such parties to obtain additional credit reports and other information about me (us) in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

Wisconsin Applicants:
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

Courtesy Car Loans is committed to protecting the privacy of consumers. If you have any questions, comments or concerns regarding our Privacy Policy and its implementation, please do not hesitate to e-mail us at admin@courtesycarloans.com.

Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those changes to this privacy statement or other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

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