Mutualautocredit.com
Privacy Policy
Mutualautocredit.com (the "Site") is owned and operated by Mutual Auto Credit, Inc., a leading sub-prime auto loan portal. Mutualautocredit.com understands the importance that Internet users place on privacy and have designed our service with this in mind. 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. Mutualautocredit.com is fully committed to permission-based marketing. You agree to this Privacy Policy in its entirety when you: (a) visit or use the Site at www.mutualautocredit.com. (b) Agree to receive an email message from us; and/or (c) obtain, or attempt to obtain business services through Mutualautocredit.com, as an agent.
Information Mutualautocredit.com Collects
Personally Identifiable Information
In order to ensure that Users get the very best service, Mutualautocredit.com collects demographic information, web pages visited and other user-volunteered information from sources such as forms, survey information and/or site registrations.
You may choose to provide personal information on this Site. Here are some of the ways you may provide the information and the types of information you may submit.
User Information
We collect personally identifiable information about our Users, based on: information gathered at the time of registration, User interaction and response to subsequent electronic mailings and web site use, information provided by our affiliates and information appended from data aggregators. Information collected may include name, social security number, email address, postal address, monthly income, birth date, telephone number, cell number, etc.
We will also 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.
Social Security Numbers are required on the application form. When you enter your social security number on our form we encrypt it using secure socket layer technology (SSL).
This information enables us to assist in finding financing of a motor vehicle within our National new and used car dealer network or one of our affiliate partners. In addition, this information enables us to better tailor our content to Users' needs and to help our affiliates promote and sell their products and services.
To the extent the Users information you provide to us includes a wireless device, your provision of such information represents your agreement to be contacted on that device by email, text (SMS) message and telemarketing, and your receipt of notice that your wireless provider may charge you in connection with receipt of incoming calls or messages. You may revoke authorization to be contacted by such means at any time (see the Opt-Out Policy section below).
Correspondence
The information you provide when communicating in writing, by phone or online with our customer service representatives. We do share information about our Users, their accounts or transactions to others for their use as described in this Privacy Policy.
Mutualautocredit.com reserves the right to transfer and/or share aggregate or group data about Mutualautocredit.com users for lawful purposes. Aggregate or group data is data that describes the demographics, usage or other characteristics of Mutualautocredit.com users as a group without disclosing personally identifiable information. By submitting your personal information to, and/or using, the Site, you agree to allow Mutualautocredit.com to transfer and/or sell such aggregate data to third parties.
Non-Personally Identifiable Information
We collect certain aggregate and non-personally identifiable information, as described below, when you visit this Site. This information does not relate to a single identifiable visitor. It tells us such things as how many users visited our Site and the pages accessed.
IP Addresses
We use your IP address to help diagnose problems with our server, and to administer our Site. Your IP address is also used to gather broad and specific demographic information as well as for validation purposes.
Cookies
We may employ "cookies" at any time to help customize your access to the Site, and for the delivery of targeted advertisements.
A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at the Website and to facilitate the receipt of targeted advertisements. To find out more about cookies, please visit www.cookiecentral.com. Even in the case where a user rejects a cookie, he or she may still use the Website. In addition, for the purpose of formatting and delivering future campaigns, Mutualautocredit.com may employ pixel tags (also known as clear gifs) to track: (a) The pages that our Users visit on affiliate and/or partner websites; and (b) User opens of, and clicks on, our targeted email advertising. You can disable pixel tags by (a) changing your browser settings to omit images; or (b) employing a commercial software package designed for this purpose.
We reserve the right to employ User source information, including applicable category and interest(s), for the marketing of targeted e-mail messages. This source information may be shared with our third party marketing partners. Mutualautocredit.com reserves the right to retain cookie and pixel tag data indefinitely.
Web Beacons
Pages on our Site may contain "web beacons" (also known as Internet tags, pixel tags and clear GIFs). Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons.
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.
Use Of Information
We use the application data that you supply for verification purposes. The personally identifiable information that you submit to Mutualautocredit.com remains your property, but by submitting that information to Mutualautocredit.com you grant Mutualautocredit.com the right to use that information for marketing purposes. We may sell our User information and/or join together with other businesses to bring selected opportunities to our users. Mutualautocredit.com is able to offer products and/or services to you, in part, based on your willingness to be reached by our third-party advertisers. By allowing us to make the information you supply available to these third parties, you will receive free information on products and services that may be of interest to you. This information may also be shared with advertisers on an aggregate basis. We also use contact information from your registration data to send you information about Mutualautocredit.com and to keep you informed of our other products and services, and/or those of our Affiliates that may be of interest to you. Please keep in mind, however, that Mutualautocredit.com does not control, and is not responsible for, the practices of our third party advertisers. Your contact information is also used to reach you, when necessary, regarding issues concerning purchases made on the Website. If you wish to stop receiving future communications from us, please see the Opt-Out section below.
By registering at this Site, you agree that this act constitutes an inquiry and/or application for purposes of telemarketing laws, and notwithstanding that your telephone and/or cell number may be listed with the federal Do-Not-Call Registry you expressly opt-in to: (a) receive an offer or service from one or more of our Clients; (b) receive future information about products and services from us and from a variety of third parties to whom we may provide your information; (c) permit us, our affiliates and other third parties to contact you pursuant to the business relationship we have established using the information you provided to us for any purpose such as contacting you by e-mail address, phone and/or cell number (including use of automated dialing equipment), text (SMS) message or any means of communication for any purpose that, among other things, your wireless device may be capable of receiving (e.g. mms, video etc. ).
We May Share Personal Information About You
With our service providers and business partners who work on behalf of or with us under confidentiality agreements. These parties may use your personal information to help us communicate with you about offers from us and our affiliates. These companies do not have any independent right to use or disclose your information.
To respond to subpoenas, court orders, or other legal process, or to exercise our legal rights or defend against legal claims.
If we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our terms of use.
In the event we sell or transfer all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use the personal information you have provided through this Site in a manner that is consistent with this Privacy Policy.
Minors Policy
The information and services provided by Mutualautocredit.com, our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Mutualautocredit.com.
Special Notice To Vermont Residents
Vermont has adopted new consumer privacy regulations that may require financial institutions to obtain your consent prior to sharing nonpublic personal information about you with non-affiliated companies. If you are a resident of Vermont, we will not share nonpublic personal information we collect about you, your account or your transactions without your consent except as otherwise permitted by law.
Special Notification for California Residents
Individuals who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted to us in writing at Mutualautocredit.com, Attention: Privacy Officer, PO Box 1664, Everett, Washington 98206. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified above.
Links To Other Websites
This Web site contains links to other sites that are not owned or controlled by Mutualautocredit.com. Please be aware that we 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
Mutualautocredit.com understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology.
If you have any questions about security on our Site, you can send email us at secure@mutualautocredit.com
Opt-Out
Mutualautocredit.com provides its visitors with the opportunity to opt-out of information sharing with affiliates and partners. A User must make their opt-out decision before completing the auto loan application process. If you prefer that we not disclose any nonpublic personal information about you to any nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). It generally takes up to thirty (30) days before your request becomes effective. If you do not want us to share any information that you have provided to us or that we have gathered, please let us know by e-mailing us at optout@mutualautocredit.com or by writing us at Mutualautocredit.com, Attention: Privacy Officer, PO Box 1664, Everett, Washington 98206. Please include your name, address, and other identification information, such as the last 4 digits of your Social Security Number and Telephone Number. Your request will apply to any of the information we have obtained in any transaction, such as your application. .
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.
Your Acceptance of These Terms
By using the Site, including, without limitation, signing up for promotional offers on the Site, you agree to this Privacy Policy. We reserve the right, at our discretion, to change, modify, add, and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Website. Please check this page periodically for changes. You can e-mail us with any further questions you may have at privacy@mutualautocredit.com.
Thank you for visiting Mutualautocredit.com
This Privacy Policy Last Modified October 23, 2007 |
