Modernautofinancing.com
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, modernautofinancing.com
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@modernautofinancing.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
modernautofinancing.com may disclose information about you to the
following types of third parties: modernautofinancing.com 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 modernautofinancing.com 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.
modernautofinancing.com 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 modernautofinancing.com. Please be aware that we,
modernautofinancing.com, 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@modernautofinancing.com.
This privacy statement applies only to information collected by
this Web site.
For Indiana residents, modernautofinancing.com 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
modernautofinancing.com 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@modernautofinancing.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.
Modern Auto Financing
Copyright © 2006
All Rights Reserved
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