Online Practices Privacy Policy of CarCreditCity.com
We at Car Credit City respect your concerns about the privacy of your personal information and about online security. We hope you will take a few moments to read about how we collect, use and protect information about you. This policy may change from time to time so please check back periodically. If there is a material change in the collection, use, or disclosure practices to which you have previously agreed, we will attempt to send you a notice via e-mail if you have provided us with an e-mail address. Please keep in mind that some of the services mentioned specifically in this policy may not be available on the site at this time. This policy does not apply to our collection of information offline.
How We Protect Your Personal Information
This policy provides you with information on how CarCreditCity.com gathers and uses information collected from your normal Web site usage as well as information you provide when you visit our Web site. The amount and type of information we get depends on what you do. We strive to keep your personal information secure. We maintain physical, electronic and procedural safeguards to guard your personal information.
Categories of Personal Information That We Collect and May Disclose
Except as discussed below, during a typical user’s visit to our Web site, we do not collect or store personally identifiable information such as name, mailing address, e-mail address, phone number, cell phone number, or social security number. As you visit CarCreditCity.com to find our location, get store hours or read product details, we may choose to collect and store during such Web site usage the name of your internet service provider, the Web site you last visited, the links you follow, the pages you request, and the date and time of those requests. We may collect this information to generate statistics and measure site activity to improve our responsiveness to the customer. This information is shared with Car Credit City, LLC employees, contractors and vendors as determined by Car Credit City, LLC in order to improve product lines or communication with customers.
If you sign up for our online bill payment service, we ask for additional information to set up your account, including your contract number, password choice, name, e-mail address, company name, physical address, phone number, city, state and zip code.
Collection of Personal Information
The Children's Online Privacy Protection Act protects children under the age of 13 from the online collection of their personal information. We do not knowingly market to or solicit information from children under 13 without parental consent. This Web site is not for use by those under the age of 13. For all others, we may allow you to provide certain information about yourself by filling out and submitting an online form. It is optional for you to fill out any one of these forms. If you choose to do so, you may be providing us with your name, mailing address, e-mail address, social security number or other personally identifying information. When you submit this personal information to us, you understand and agree that we may access, store, and use this information. We collect information for a variety of reasons, which may from time to time include, but is not limited to, monitoring the use of our system, improving our services, verifying your identity, informing you of special offers, informing you of loan availability, allowing you to make payments, making you aware of other products and services and getting in touch with you when contact is necessary for purposes related to our business. We are not in the business of selling your information to others. Unless you specify that you would prefer not to hear from us, we may use the contact information that you provide to advise you of upcoming events or sales which may be of interest to you and for promotional reasons. To opt-out from this, see the "Opt-out" section below.
Information We May Share With Affiliates
We may provide your personally identifiable information to the family of companies that control Car Credit City, otherwise referred to herein as our affiliates, for the purposes of processing that information on behalf of us. When this is done, we request that those parties process such information only in accordance with our instructions, and to maintain appropriate confidentiality and security measures. We may share personal information about you with affiliates in several different lines of business, including automobile sales and consumer finance. Note that we will disclose personally identifiable information when required to do so by law or as requested by government or law enforcement authorities. Also, we may share this information about you with credit reporting agencies as authorized under federal and state laws.
We may share with our affiliates any personal information about our transactions and experiences with you. Unless otherwise permitted by law, we will not share with our affiliates other personal information that you provide to us or that we obtain from nonaffiliated third parties (for example, consumer reporting agencies) if you opt out and instruct us not to disclose personal information about you to affiliates, except for disclosing personal information about (i) your transactions and experiences and (ii) as otherwise permitted by law.
Information We May Share With Nonaffiliated Third Parties
Nonaffiliated third parties are those not part of the family of companies that do not control Car Credit City. We may share customer information we collect from you online with nonaffiliated third party companies that work for us. We may disclose the personal information we obtain about you to the following types of nonaffiliated third parties: financial service providers, such as companies engaged in banking, credit cards, consumer finance, securities and insurance and non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.
If you opt out, we will restrict our disclosures to only the following nonaffiliated third parties:
- Financial institutions with whom we have joint marketing agreements.
- Non-financial companies who perform marketing services on our behalf.
- Other nonaffiliated third parties as permitted by law, including disclosures to nonaffiliated third parties necessary to process and service your account, to protect against fraud, and to protect the security or confidentiality of our records and to protect this Web site.
We may disclose “blinded” aggregated data and user statistics to prospective partners and other third parties, and for other lawful purposes. Blinded data is data which does not identify an individual person.
If you sign up for our online bill payment service, we will transfer your information to LinkPoint International, Inc., or any other service provider we use to process payments (the "Processor"). The Processor will transfer your information to credit confirmation services, banks or credit card companies to authorize your completion of the bill pay transaction.
As we continue to develop our business, we may buy or sell businesses or assets. In such transactions, confidential customer information generally is one of the transferred business assets. In the event of a transaction involving the sale of some or all of its businesses, customer and site visitor information may be one of the transferred assets.
Security
We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online. We will transfer your credit card number, bank account number or other personal information to the appropriate merchant, credit card company or bank in order to process any online payments. Your account information is password-protected so you have access to this personal information. We use encryption technology for credit card numbers, bank account numbers, passwords and registration information and these items will be protected by Secure Sockets Layer ("SSL") or other encryption mechanisms. This protects the confidentiality of your personal and credit card information while it is transmitted over the Internet. In order for encryption mechanisms to function, we may update browser requirements from time to time by posting a notice on our Web site. With respect to online bill payment, information transferred to the Processor will be subject to security measures and procedures established by the Processor.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. Except as discussed above or otherwise designated, this site does not use security encryption measures and information that you disclose by use of this site (as with any site that is non-secure), by posting a message or using e-mail, potentially could be collected and used by others. This may result in unsolicited messages from third parties or use of such information by third parties for their own purposes, legal or illegal. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us or from us, and you do so at your own risk. Once we receive your transmission, we use our commercially reasonable efforts to ensure its security on our systems.
Remember to sign out of your Web site account and close your browser window when you have finished your work. This is to ensure that others cannot access your account by using your computer when you are away from it. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers and make sure you use a secure browser.
Links And Banners
This Web site may contain links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of every Web site that collects personally identifiable information. We may sometimes contract with companies to advertise our products and services on sites not affiliated with us through the use of banner ads. If you click on one of our ads, you link to our site. These ads may contain cookies that allow tracking of your response to our advertisements. Cookies are small text files that placed in visitors' computer browsers to store their preferences.
Use of Cookies
As part of offering and providing customizable and personalized services, many Web sites use cookies to store and sometimes track information about you. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. We may use cookies to allow faster and easier access to your account information, monitor traffic on the site and measure traffic patterns to improve functionality. Our Web pages may in the future contain electronic images known as Web beacons (sometimes called clear giffs or Web bugs) or other advanced technologies that are useful in the provision of services to you. We may use such devices to verify compliance with our terms and conditions of use or with any promotions on the site.
Opt-Out
If you do not wish to receive electronic communication from us or if you wish to exercise certain opt out rights with regards to disclosures as described above, specifically indicate your preferences and provide your name and address to us by mailing this information to us at : Car Credit City, LLC, Attn: Accounting Department, PO Box 730, Bridgeton, MO 63044-0730. Please allow approximately 30 days from our receipt of this notice for your privacy choices to become effective.
Contact
If you have any questions, comments or concerns regarding our privacy policy and/or practices, please contact us at the address listed in the Opt-out paragraph. We reserve the right to change our Online Practices Privacy Policy.
