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Financing Terms and Conditions
Privacy Policy
Autos
of Dallas
believes that privacy is a cornerstone of our customer relationship. In
operating our business, we strive to find methods to guard personal
identity and information by promoting the use of fair information
practices. We have created this privacy policy to demonstrate our firm
commitment to privacy and to inform you of our practices concerning the
collection and use of the information that you provide to us.
Autos of Dallas
may
amend this policy from time to time. If we make any substantial changes in
the way we use your personal information, we will post an announcement on
our web site.
Gramm-Leach-Bliley Act
Autos of Dallas
complies with the requirements of Title V of the
Gramm-Leach-Bliley Act, 15 U.S.C. §6801 through § 6810 ("GLB Act"), and
the Federal Trade Commission's implementing regulation, Regulation P,
16 C.F.R.
Part 313 ("Regulation P"), in particular, as both related to the
disclosure and protection of Non-Public Personal Information ("NPI") for
customers with regard to the authorized distribution and intended use
of
customers' financial information to other parties. Autos of Dallas will
substantially comply with the GLB Act and Regulation P for all customer
NPI received, transferred or obtained from the use of this site or from a
party.
Collection of
Information
Autos of Dallas
may collect and use personal information to respond to requests for our
services or to provide information about our services that may be of
value. Certain personal information Autos of Dallas
collects
may be publicly available via government records, telephone books, or
other widely available media however we treat all information provided as
non-public. Autos of Dallas
collects personal information from
a
variety of sources, including:
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Application Information
(Information provided from loan applications and other forms such as
names, addresses, telephone numbers, birthday, social security numbers,
level of family income, employer's name, and employer's address);
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Credit Reports
(Information from consumer reporting agencies);
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Correspondence
(Information provided when communicating in writing, online or by phone
with our customer service representatives); and
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Marketing partners and
publicly available databases (We receive information from our marketing
partners, e.g., financial institutions, auto dealerships and other
businesses and public databases which we use to help us serve our
customers).
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We use information that
we obtain to evaluate auto loan applications, locate an appropriate auto
dealer and/or lender for you, in order to provide high quality service,
prevent fraud and, with the customer's consent, inform customers of
offers of other
Autos of Dallas
services offered by third parties. We may also use this information to
confirm a customer's identity when they call us to inquire about their
account.
Technical Information
Autos of Dallas
uses technology to:
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Gather technical
information from Web browsers (IP address, operating system).
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Set cookies on your
computer. "Cookies" are small computer files which are automatically
placed on your computer's hard drive when you are connected to a website
or remote server so that the website can recognize you upon your return
to the website and tailor your experience based on your earlier use of
the site.
Autos of Dallas
uses a cookie for each computer that visits its site. The cookie is
integral to the customer experience and is necessary in order to use our
online services. It allows
Autos of Dallas
to customize the website presentation based on your accounts. While
cookies can be disabled, if you choose to disable our cookie you will
not be able to use some of our websites. We do not use cookies to
collect information from hard drives or to collect personal identifiable
information; rather, it allows us to recognize you and know how you
navigated through our site. It is also part of our effort to detect and
stop fraud.
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Keep track of loan
application statuses through the use of "Action tags" (also known as Web
Beacons, Trackers, or Bugs), which are invisible pixel.gif files placed
on web pages that are used to track web navigation to those pages.
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Security Safeguard
Procedures
Autos of Dallas
uses a variety of security safeguards to protect information from loss,
misuse, alteration or destruction. For example, customers are only able
to access information in their account by submitting their user name and
password they created during registration. We provide access to personal
information to
Autos of Dallas
employees and other authorized parties on a "need to know" basis. In
addition, we require that all employees attend a privacy training
program and sign a Confidentiality Agreement that indicates that they
are aware of
Autos of Dallas
privacy policy regarding the use and disclosure of information.
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Autos of Dallas
also
uses Secure Sockets Layer (SSL) technology supporting up to 128-bit
encryption to prevent unauthorized parties from viewing any personal
information transmitted to or from
Autos of Dallas
. We maintain up-to-date firewalls and use anti-virus software that
updates automatically.
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Sharing of Information
with Third Parties
Autos of Dallas
may disclose personal information to the following types of third
parties:
Autos of Dallas
partners (auto dealerships that meet customer's criteria and financial
institutions), Credit Bureaus and Service Companies (companies that
provide services to
Autos of Dallas
in order to process auto loan applications). Personal information is
disclosed to the foregoing entities solely for the purpose of locating a
vehicle that meet the customer's criteria and to obtain credit for the
purchase of such vehicle. Outlined below is the information we share
with each type of third party.
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Autos of Dallas
Partners -
Autos of Dallas
offers its services in conjunction with auto dealerships, financial
institutions and other businesses (collectively,
Autos of Dallas
Partners). When a customer completes a credit application with
Autos of Dallas
for the purpose of locating a vehicle that meets their criteria and
obtains credit for the purchase of such vehicle, the customer may agree
to the sharing of information with that partner. The customer agrees
that
Autos of Dallas
and/or its auto dealers or lending partners may forward their
application to other auto dealers or lenders for consideration. The
customer authorizes any auto dealer or lender who receives their
application to retain it, to rely on it and to obtain such other
information as require, including credit reports, to complete the
processing of their request for credit. The customer further authorizes
that any auto dealer or lender who receives this application to inform
Autos of Dallas
and its lending partners of their credit decision. These relationships
are clearly stated in the application and by completing the application
the customer agrees to permit
Autos of Dallas
to share their information, which may include the applicant's name,
address, phone number, e-mail address, and other personal financial
information with our partners. In addition, since we do not service auto
loan applications, we will sell loan applications to auto dealerships.
The customer will be notified of the auto dealership that will be
servicing their auto loan application.
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Credit Reporting
Agencies - Companies involved in the loan process are a necessary part
of the auto loan process. When a customer applies for credit, he/she
agrees that we may request consumer credit reports from one or more
credit reporting agencies in connection with their application and
administration of the application. The customer may also authorize us to
exchange credit information concerning their account with (and answer
questions and requests from) others, such as merchants, other lenders
and credit reporting agencies.
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Service Companies -- In
order to provide quality service,
Autos of Dallas
contracts with service providers for the essential role of processing
loan applications. We may disclose some or all of the information we
collect to these service providers but only in order to obtain credit
for the customer. All of
Autos of Dallas
service providers have entered into a contract with
Autos of Dallas
that forbids them from using information provided by
Autos of Dallas
for any purpose other than providing the service for
Autos of Dallas
customers. These service companies are required by law to adhere to
federal and state privacy regulations.
Autos of Dallas
takes security precautions to monitor the use of the information and
prevent the use of the information for any other purpose. When we
contract with organizations to provide services to our customers, we
will require them to conform to our privacy standards and to allow us to
audit them for compliance.
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Merchants --
Autos of Dallas
does not share any information with external merchants for the purpose
of extending offers of goods and services without the customer's
consent.
Autos of Dallas
does NOT use third party advertising companies to provide advertisements
or allow third party advertisers to track web browsing activities on its
web sites.
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In addition,
Autos of Dallas
does not knowingly offer its services to minors. Similarly,
Autos of Dallas
does not collect information from children. Our application approval
process is designed to identify applications submitted by children and
to prevent their use of our websites.
Exercising
the Right to Opt-Out of Information Sharing
Autos
of Dallas provides its customers with the
opportunity to opt-out of information sharing with affiliates and
partners. A customer must make their opt-out decision before completing
the auto loan application process. Customers can opt-out by clicking on
the link at the bottom of the auto loan application screen.
Storing of Information
We
maintain electronic loan application information and hardcopy data. We
also protect all personal information by storing the information on tapes
at an offsite facility in our Data Warehouse. The Data Warehouse is
disconnected from the production environment and the information is used
internally for reporting purposes.
Privacy Related Issues
Autos
of Dallas is committed to customer service and privacy. If you feel that
we are not abiding by this privacy policy, you should contact us
immediately via telephone at (888) 31.AUTOS or (972)
484.9200, Fax (972)518.1044, or eMail sales@autosofdallas.com
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