Collection Of Your Personal Information
CARS collects personally identifiable information from you and your co-applicant, if applicable, such as your full name, home address, birth date, and social security number as required to protect you from fraud and identity theft as well as to access your credit history. CARS also collects other information such as your telephone number, e-mail address, work address, employer information, income, and other information related to your existing loan and vehicle.
Once you have submitted an application, CARS will begin the process of finding you the best possible financing option from our partner lenders. By submitting an application to CARS, you consent to the use of your credit report for the purpose of obtaining a credit offer from one or more of our partner lenders. You also consent to our referring your application to one of our loan broker partners if we do not believe we are able to get a suitable lender for you based on your application. You understand that our lender and/or broker partners may also be requesting credit reports on you from credit reporting agencies.
CARS encourages you to review the privacy statements of websites you choose to link to from CARS so that you can understand how those websites collect, use and share your information. CARS, Inc. is not responsible for the privacy statements or other content on websites outside of the CARS family of Web sites.
Use Of Your Personal Information
CARS only collects the most pertinent information required to process your request for financing. We only share this information with authorized agents, lending partners, loan broker partners, or as may be required by federal or state law or by court order. In addition, we may disclose the collected information as described above to companies that perform marketing services on our behalf or with which we have joint marketing agreements.
CARS does not sell, rent or lease its customer lists, personal information in regards to yourself, or e-mail addresses to third parties. CARS uses return email addresses to answer the email we receive. Such addresses may be used to send you related offers or inform you of other products or services available from CARS or our partners. CARS may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
CARS does not use or disclose personally identifiable information provided to us online in ways unrelated to the ones described above without your explicit consent.
Security of Your Personal Information
CARS secures your personal information from unauthorized access, use or disclosure. CARS secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol. As a reminder, please never e-mail private information to us. All documents and info should be faxed to 1-636-590-4425, mailed or sent through our secure web based credit application.
Our Commitment to Children’s Privacy
Protecting children’s privacy is especially important. For that reason, we never collect or maintain information from those we actually know are under 18 years of age.
Changes to This Statement
How to Contact Us
Should you have questions or concerns about these Privacy Policies, please call us at 1-800-779-2111. Our address is: Consumer Auto Refinance Services, Inc., 532 Trade Center Blvd., Chesterfield, MO 63005.