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