Privacy Policy | smart-car-loan

PRIVACY STATEMENT

Last Updated: October 06, 2008

We recognize the importance of protecting the privacy of all information provided by users of our web sites and recipients of our e-mail newsletters. We created this policy with a fundamental respect for our customers' right to privacy and to guide our relationships with our customers. This Privacy Statement discloses the privacy practices for all products and services owned by smart-car-loan.com.

INFORMATION COLLECTION AND USE
smart-car-loan.com collects information from our website users, subscribers and other customers. In this section of our Privacy Statement, we describe the type of information we collect and how we use it to provide better services to our customers.

Nonpublic personal information
When signing up for certain selected services (such as credit application), we collect nonpublic information which may include but not be limited to Name, Address, Monthly Income, date of birth and Social Security number.

We request your authorization to receive information from a consumer reporting agency (credit bureau). The authorization is transmitted to a participating dealer or lender in our network, who will actually request and receive your credit report. By submitting this form you are authorizing a dealership or a lender in our network to request and receive your credit history report from credit bureau.

Communications with Us
We have features where our customers can submit information to us (such as our feedback forms). Where such submissions include requests for service, support or information, we may forward them to our agents, as needed, to best respond to the specific request. In addition, we may retain e-mails and other information sent to us for our internal administrative purposes, and to help us to serve customers better. Please note that letters to the editor and similar submissions may be made public.

Automatic Data Collection
Our web sites, newsletters and, from time to time, certain other products and services have features that automatically collect information from customers, to deliver content specific to customers' interests and to honor their preferences. This information assists us in creating products and services that will serve the needs of our customers.

For example, we may use "cookies," a piece of data stored on the user's hard drive containing information about the user. Cookies benefit the user by requiring login only once, thereby saving time while on our web site. If users reject the cookies, they may be limited in the use of some areas of our web site. For example, the user may not be able to participate in sweepstakes, contests or drawings. Additionally, we may note some of the pages the user visits on our web sites and via our email newsletters through the use of pixel tags (also called clear gifs) and web beacons. The use of cookies, pixels and web beacons enable us to track and target the interests of our users to enhance the experience on our sites and via our email newsletters.

In addition, some of our business affiliates use cookies on our web sites and in ads or promotions. However, we have no access to or control over these business affiliates' cookies; we urge users to read their privacy policies for information. In particular, we use third-party advertising technology to serve ads for smart-car-loan.com products and services when you visit certain WWC, LLC sites. This technology uses information about your visits to these smart-car-loan.com site (not including your name, address, or other personal information), to serve our ads to you. In the course of serving our advertisements to you, a unique third-party cookie may be placed or recognized on your browser. In addition, we use web beacons, provided by our ad serving partner, to help manage our online advertising for smart-car-loan.com products and services. These web beacons enable our ad server to recognize a browser's cookie when a browser visits these sites and to learn which banner ads bring users to our Web sites. The information used in this process is not personally identifiable.

We also may use an email delivery and marketing company to send emails (including newsletters) for which you have registered (or otherwise agreed to receive). Web beacons and cookies may be used in such email messages to help us measure the effectiveness of our advertising and how customers use our web site and other products and services.

For our internal purposes, we gather date, time, browser type, navigation history and IP address of all visitors to our web sites. This information does not contain anything that can identify users personally. We use this information for our internal security audit log, trend analysis and system administration, and to gather broad demographic information about our user base for aggregate use.

We may combine demographic information supplied by a customer at registration with web site usage data to provide general profiles, in aggregate non-personally identifiable form, about our customers and their preferences in the content of the site and advertising. We may share this composite information with our advertisers and business affiliates to help them better understand our services.

WITH WHOM YOUR INFORMATION IS SHARED

Access to the information we obtain about you resulting from credit application submission is restricted to only those service providers who need to know that information for the purpose of purchasing an automobile or obtaining credit.

Other than as set forth above, we do not share personally identifiable information with other companies, apart from those acting as our agents in providing our product(s)/service(s), and which agree to use it only for that purpose and to keep the information secure and confidential.

We may share aggregate information, which is not personally identifiable, with others. This information may include usage and demographic data, but it will not include personal information.

CORRECTION/UPDATING PERSONAL INFORMATION
We provide a way to correct or update your personal data: you may email request@smart-car-loan.com.

SECURITY
We use reasonable precautions to protect our customers' personal information. Sensitive information that is transmitted online (such as Social Security number) is encrypted and is transmitted securely.

LINKS
Our web sites contain links to other sites. smart-car-loan.com is not responsible for the privacy practices or content of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each web site to which we may link that may collect personally identifiable information.

CHILDREN
smart-car-loan.com websites are not directed at individuals under thirteen years of age, and smart-car-loan.com does not intend to collect any personally-identifiable information from such individuals.

NOTIFICATION and CHANGES
If we change our Privacy Statement, we will post those changes on this page so our users are aware of what information we collect, how we use it and under which circumstances, if any, we disclose it. Users should check this policy frequently to keep abreast of any changes.

For questions about this Privacy Statement, contact:
request@smart-car-loan.com