Security & Privacy
Your Security
Secure Web Pages
Every page on the All Credit Auto Loans web site that asks for your personal financial information is delivered to your browser through "https", a secure mode of communication. You can verify this security by looking for Internet Explorer, Chrome, Firefox, Safari "lock" icon on your browser.
Encryption
All Credit Auto Loans protects the transmission of your personal financial information by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to intercept and read your personal information. When you send your information to us, SSL encrypts the data and only we can decode the encryption. Transmissions between All Credit Auto Loans and participating lenders are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. This provides the most secure system available.
Password
To enter your personalized All Credit Auto Loans account to check on the status of loan requests, you must first enter a password you created upon establishing the account. Select a password between six and ten characters, containing both numbers and letters, and keep it in a safe place. We will never ask for this password - Do not give your password to anyone.
Procedures
We employ timely backups of all information on our site. We also use sophisticated intrusion detection software and monitor every visitor to our web site as a measure against malicious intrusion. Use the logout button when you exit the web site. Although All Credit Auto Loans logs you off automatically after a certain time of inactivity, we recommend you use the logout button before closing your browser. This prevents any further activity from taking place after you have left the site. Upon discovery of any unauthorized access, or should you ever discover that someone has accessed your account without your permission, please contact us immediately.
Should you have questions about this security policy, please contact us at customer.service@allcreditautoloans.co.
Privacy Policy
At All Credit Auto Loans, (collectively referred to herein as "ACAL"), we value our customers' trust and confidence. ACAL is dedicated to protecting the privacy of your personal information. This privacy policy outlines the safeguards we employ to protect your personal information and explains how we collect and use that information. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. We do so with the intent to provide you with additional information and support that may provide you additional financing options, vehicle pricing, products and services. We recognize the importance of your trust, and we greatly appreciate your business. Please read the following privacy policy.
Our Privacy Policy
This disclosure is our privacy policy. We want you to understand:
- Who we are
- How we collect your information
- How we share your information
- How we safeguard your information
- How long we retain your information
- Whether it's necessary to opt out
- Other Web sites' privacy policies
Who we are
ACAL is an online lending marketplace for consumers seeking to purchase and finance a new or used vehicle or refinance an existing vehicle. We provide information and the ability to apply for offers online for a loan or financing and pricing of automobiles. If approved, you can then choose a lender, financing and or dealer that satisfy your needs.
In order to match you with appropriate lenders, automobile dealerships and/or affiliates, you will provide certain personal information such as name, address, e-mail address, social security number and income. This and other information such as your credit history and credit score may be obtained and provided to certain participating lenders, automobile dealerships and/or affiliates for a offer decision and vehicle pricing.
We use the information you provide, as well as information from your credit report, to match you with appropriate lenders, automobile dealerships and/or affiliates. Once you submit your information to ACAL, lenders, automobile dealerships and/or affiliates will decide whether to make you a loan/financing offer. All lenders, automobile dealerships and/or affiliates on the ACAL platform are required to comply with the federal privacy laws; however, we suggest you review their privacy policies before accepting a loan transaction with them. Our objective is to help find financing options so that you can purchase or lease the car you want. If you have a unique situation and we are unable to match your profile with one of our lending sources, we continue to remain committed to helping you look for a loan or financing options through affiliates who may be better able to help you obtain financing through their dealership networks. Additionally, you may be notified of special offers through promotional affiliates. Finally, in certain situations we may be required to share your information with law enforcement or government agencies in response to a subpoena, state or federal audit, or other similar circumstances.
ACAL uses extensive and sophisticated secure technology to protect your data and transmissions between you, ACAL, participating Lenders, automobile dealerships and/or affiliates. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires an SSL-capable browser such as Microsoft Internet Explorer version 5.5 (or later) or Netscape Navigator version 4.7 (or later). Transmissions between ACAL and participating lenders, automobile dealerships and/or affiliates are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. Since ensuring your information is secure is important to us, we further limit access to your information to those employees who need access in order to perform their job. We maintain physical, procedural, and electronic safeguards to protect your information from unauthorized access.
Federal and state agencies require that we retain certain loan-related information. Therefore, we may retain your information for a period of seven years.
Is it necessary to opt-out?
The law allows financial institutions to share your information unless you tell them not to; we will share your information unless you opt out. If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change electronically. Your ability to opt out of the new policy will be determined by applicable laws which will be included in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you.
Other web sites
Finally, there are "hyperlinks" or "links" to other web sites embedded within our web site. If you choose to click on one of these links, you will be governed by the privacy policy of the linked web site, even if the content is framed within our Web site.
Last Updated: 05/04/2017
Should you have questions about this privacy policy, please contact us at customer.service@allcreditautoloans.co.
Website Privacy Statement
All Credit Auto Loans (ACAL) maintains this Web site for information and communication purposes, as well as for purposes associated with automobile loans or financing. The Web site includes all forms, services, and associated portals. ACAL is committed to protecting the privacy of information submitted through the Service. This Privacy Statement outlines how ACAL collects, uses and protects such information.
Web Sites Covered
This Privacy Statement covers the information practices of the Web site. When sites are posted by ACAL, the site will link to this Privacy Statement, and this Privacy Statement applies. When sites are posted by third parties, the privacy statement of the third party applies, and this Privacy Statement does not apply.
The Web site may contain links to other Web sites, including other ACAL Web sites. This Privacy Statement applies only to information submitted through ACAL and does not govern the information practices or the content of such other Web sites. ACAL encourages you to review the privacy statements of other Web sites to understand their information practices.
Personally identifiable information may be submitted through ACAL, which may include:
- name, address, e-mail address and telephone number;
- age, date of birth and social security number; and
- financial information, including assets, income, and bankruptcy history.
ACAL uses information collected to perform the services requested. ACAL does not disclose any personally identifiable information to anyone, except as permitted or required by law. For example, personally identifiable information may be used or shared to comply with any law, regulation, audit or court order. In the event that our business or substantially all of the assets of the business are acquired, personally identifiable information may be one of the transferred assets.
ACAL uses commonly used information-gathering tools, such as cookies, to collect information as users navigate the Web site (“Web Site Navigational Information”). This section describes the types of Web Site Navigational Information ACAL may collect and use this information.
Cookies
ACAL uses cookies to make interactions with the Service easy and meaningful. When a user accesses the Service, ACAL’s servers send a cookie to the user’s computer. Standing alone, cookies do not personally identify you. They merely recognize your web browser. Unless you choose to identify yourself to ACAL, either by responding to a promotional offer, opening an account, or filling out a web form (such as a “Contact Me” or a “30-Day Free Trial” web form), you remain anonymous to the ACAL.
There are two types of cookies: session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer.
If you have chosen to identify yourself to ACAL, ACAL uses session cookies containing encrypted information to allow ACAL to uniquely identify you. Each time you access the Web site, a session cookie containing an encrypted, unique identifier that is tied to your account is placed in your browser. These session cookies allow ACAL to uniquely identify you when you are navigating the Web site and to process your online transactions and requests. Session cookies are required to use the Web site.
ACAL uses persistent cookies that only ACAL can read and use to identify browsers that have previously accessed the Web site. When you access the Web site or provide ACAL with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that ACAL places on your web browser. ACAL is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, ACAL does not store account numbers or passwords in persistent cookies. If you disable your web browser’s ability to accept cookies, you will be able to navigate the Web site, but you will not be able to successfully use the ACAL service.
IP Addresses
When you access the Web site, ACAL collects your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, ACAL uses IP addresses to monitor the regions from which users navigate the Service.
Third-Party Cookies
From time-to-time, ACAL engages third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who access the Service. ACAL may also use other third-party cookies to track the performance of ACAL advertisements. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after ACAL receives it. This Privacy Statement does not cover the use of third-party cookies.
ACAL may share Data About Customers with ACAL agents to ensure the quality of information provided. ACAL does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes. If you apply to receive offers, you will be consenting to ACAL sharing your information with select Lenders and Credit Sources.
ACAL reserves the right to disclose personally identifiable information provided by users if required by law or if ACAL reasonably believes that disclosure is necessary to protect ACAL rights and/or to comply with a judicial proceeding, court order, or legal process.
Security
ACAL is committed to protecting the confidentiality of your information and online transactions. We use 128-bit SSL encryption, the highest level of protection offered for Internet communications, to encrypt your data. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, ACAL encrypts all personally identifiable information within our database and restricts access to the information to our employees, agents and contractors who need to know such information to provide products or services to you.
Changes to this Privacy Statement
ACAL reserves the right to change this Privacy Statement at any time. You will not be given any notice to these modifications. Your continued use of ACAL after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Statement.
Questions regarding this Privacy Statement or the information practices of ACAL should be directed by email to customer.service@allcreditautoloans.co.
Last Updated 01/09/2018
