Privacy Policy

Effective Date: September 25, 2024

This Privacy Policy describes how Dealer Direct Auto Loans, including its affiliates, subsidiaries, and affiliated dealerships (collectively referred to as “Dealer Direct“, “we,” “us,” or “our”) collects, uses, shares, and protects personal information provided by users of our websites, mobile applications, and services (collectively referred to as “our site and services”). We are committed to protecting your privacy in compliance with federal laws, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and California Consumer Privacy Act (CCPA), as well as other applicable state laws.

1. Information We Collect

We collect several types of information when you access and use our site and services, including:

Personal Information:

• Identifying Information: Full name, address, email address, date of birth, driver’s license number, and Social Security number.
• Financial Information: Account numbers, credit history, income details, employer information, and payment history.
• Transactional Information: Vehicle identification details, loan terms, and purchase history.
• Internet and Other Network Activity: Browsing history, search queries, device information, IP address, and interaction with our websites or mobile applications.

How We Collect This Information:

• Directly From You: Information provided when applying for an auto loan, creating an account, or using our services.
• Automatically: Information collected via cookies, tracking pixels, and other similar technologies when you use our site and services.
• Third Parties: Information provided by credit reporting agencies (Experian, TransUnion, Equifax), affiliates, and non-affiliated financial institutions for purposes related to auto loans and credit verification.

2. Use of Information

We collect and use your personal information for the following purposes: 

• To Process Loan Applications: Verifying your identity, determining creditworthiness, and processing your auto loan application.
• To Improve Our Services: Analyzing website traffic, user interactions, and improving the functionality and usability of our services.
• To Communicate With You: Sending notifications, disclosures, and promotional content about your account or potential products.
• To Comply with Legal Obligations: Including anti-money laundering laws, identity verification, and federal and state financial regulations.

3. Sharing of Information

We may share your personal information as permitted by law and as outlined below:

1. Affiliates and Affiliated Dealerships

We may share your personal information with our affiliates and affiliated dealerships to process transactions, service loans, and provide related services.

1. Non-Affiliates

We may share personal information with non-affiliated third parties, such as:

• Financial Institutions and Lenders: To assist in securing financing for your auto loan.
• Service Providers: Third-party vendors who provide operational services like loan processing, identity verification, or data storage.
• Marketing Partners: To offer you relevant products or services, but only with your consent.
• Legal Authorities: When required by law, including court orders, subpoenas, or to comply with regulatory requirements.

1. Sale of Information

We do not sell personal information to third parties, including under the definition provided by the California Consumer Privacy Act (CCPA).

4. Your Rights Under the California Consumer Privacy Act (CCPA)

If you are a California resident, the CCPA provides specific rights regarding your personal information:

1. Right to Know and Access

You have the right to request that we disclose the following about your personal information:

• The categories of personal information we collect about you.
• The categories of sources for the personal information we collect.
• Our business purpose for collecting personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we have collected about you.

1. Right to Deletion

You have the right to request that we delete any personal information we have collected about you, subject to certain legal exceptions (e.g., information needed to complete a transaction, detect security incidents, or comply with a legal obligation).

1. Right to Opt-Out of Sale

We do not sell your personal information. However, California residents have the right to opt out of any future sales of personal data, should our practices change.

1. Right to Non-Discrimination

You have the right not to be discriminated against for exercising your CCPA rights. This means we will not deny services, charge different prices, or provide a different quality of service if you exercise your rights under the CCPA.

1. Exercising Your Rights

To exercise your rights under the CCPA, you can:

• Call us at [888-555-1212].
• Email us at [privacy@dealerdirectcarloans.com].

We will verify your identity before processing your request. You can designate an authorized agent to make a request on your behalf, but we will still require verification of your identity and their authority.

5. Your Rights Under Federal Laws
6. Gramm-Leach-Bliley Act (GLBA)

Under the GLBA, we are required to explain how we collect, share, and protect your personal financial information. We limit the sharing of your information to only those uses allowed under the law, such as:

• Everyday business purposes: Processing transactions and maintaining accounts.
• Marketing purposes: With your consent, offering you additional products and services.

1. Fair Credit Reporting Act (FCRA)

Under the FCRA, we may share your credit information with credit reporting agencies, affiliates, and third-party lenders as part of our loan application process.

You have the right to request a copy of your credit report and to dispute any inaccuracies through the credit reporting agencies.

6. Data Security

We implement a variety of security measures, including encryption and secure servers, to protect your personal information from unauthorized access, disclosure, or alteration. While we strive to protect your personal data, no system is completely foolproof, and we cannot guarantee the absolute security of your information.

7. Retention of Personal Information

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal requirements, and resolve disputes. The retention period varies depending on the type of data and the applicable legal obligations.

8. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your user experience. Cookies help us recognize your browser or device and store certain information for future use.

You can control your cookie settings by adjusting your browser’s preferences. However, disabling cookies may limit your access to certain features on our site.

9. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. The “Effective Date” at the top of this page indicates when the policy was last revised. Changes will be posted on this page, and continued use of our site and services after such changes constitutes your acceptance of the updated Privacy Policy.

10. Contact Us

If you have any questions or concerns regarding this Privacy Policy or the use of your personal information, please contact us at:

Dealer Direct Auto Loans
[888-555-1212]
[privacy@dealerdirectcarloans.com]
[Address]