Privacy Policy

Consumer Auto Refinance Services, Inc. (“CARS”) is committed to protecting your privacy while serving your auto finance needs. This Privacy Policy applies to the CARS, Inc. website and governs data collection and usage. By using the CARS website, you consent to the data practices described in this policy. If you have questions regarding this Privacy Policy, please call us toll-free at 1-800-779-2111.

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.

Use of Cookies

The CARS website uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of our use of cookies is to provide a convenience feature to save you time when completing an application. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of CARS website.

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

CARS reserves the right, at any time, to modify this Privacy Policy by posting such modified Privacy Policy on the website. Any such modification will be effective immediately upon posting to this website. CARS encourages you to periodically review this Privacy Policy to be informed of how CARS is protecting your information.

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.