By clicking the ‘Submit’, ‘Get My Loan’ or other button at the bottom of the form which begins the processing of your application, you certify that all of the statements in the application are true and complete and are made for the purpose of obtaining credit. You authorize unitedcarloan.com to share your application and related information with its lending partners in order to complete the processing of your application. You authorize unitedcarloan.com and its lending partners to retain and rely on your application and to access your credit report in order to evaluate your credit application. In addition, you acknowledge that you have read the state-specific notices related to your application and agree to receive Electronic Documents By clicking the ‘Submit’, ‘Get My Loan’ or other button at the bottom of the application form which starts the process, you further authorize unitedcarloan.com third-party lending institutions to share information in your application, and any other credit information they obtain, with other third parties who may be able to offer or arrange for a direct loan and/or auto dealer financing.
CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT
Please read this information carefully and print a copy and/or retain this information electronically for future reference.
Hardware and Software Requirements. Before you decide to receive your Documents electronically, you must determine if you have the necessary hardware and software described below to access and retain these Documents electronically. To access your Documents, you will need an electronic mailing address, Adobe Acrobat Reader, and a personal computer or other access device which is capable of accessing the internet. To retain your Documents, your access device must have the ability to either download to your hard drive or any external media storage, or print web pages as well as embedded HTML files.
Withdrawing Consent. With the exception of email communications and notices of our credit decisions, you may withdraw your consent to receive your Documents electronically at any time by contacting us by email at. In these circumstances, we will continue the financing process in non-electronic form at no charge. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Documents will not be affected, and except as provided in this paragraph, you will not have the option to later receive your Documents electronically.
Copies. If you wish to obtain a paper copy of any of the Documents, contact us by email atand request a copy at no charge.
Updating Your Contact Information. To update your electronic or mailing address, contact us by email at.
CONSENT AND ACKNOWLEDGMENT.
BY CHECKING THE CONSENT BOX, YOU CERTIFY THAT:
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Pursuant to Gramm Leach Bliley Act & 16 C.F.R. Title 313
unitedcarloan.com its websites and affiliates take the position that privacy is a very serious matter and an essential part of our relationship with customers. We take your personal privacy seriously. We aim to safeguard your privacy, while offering you the opportunity to apply for credit to obtain an automobile loan through our network of participating auto dealers nationwide and affiliate partners.
In connection with your application for credit, unitedcarloan.com may acquire information about you, which is handled as stated in this notice.
We collect nonpublic personal information about you from the following sources:
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.
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.
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.
unitedcarloan.com may disclose information about you to the following types of third parties: unitedcarloan.com affiliates- auto dealerships or other lenders in your region who may be able to assist you in the auto loan application process.
unitedcarloan.com 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 unitedcarloan.com. Please be aware that we, unitedcarloan.com, 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.
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.
This privacy statement applies only to information collected by this Web site.
Indiana California NewYork Ohio RhodeIsland Vermont Wisconsin Maine Delaware
Indiana Applicants, unitedcarloan.com and its dealer affiliates have express permission to contact you by telephone, provided you have given your telephone number in the application.
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.
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.
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.
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
For Maine Applicants
You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender.
For Delaware Applicants
1. Notification – Every licensee shall furnish to every applicant, a copy of this regulation at the time when such application is made. Posting of this regulation in the office of the licensee in a place both prominent and easily visible to all potential applicants shall satisfy this requirement. An explanation as to the contents and limitations contained herein shall satisfy this requirement when transactions occur telephonically. An informational screen containing these limitations with an affirmative acknowledgement by the consumer, prior to application, shall satisfy this requirement for internet transactions.
3. Additional Fees and Charges; Limitations – If the agreement governing the plan or loan so provides, in addition to, or in lieu of, interest at a periodic percentage rate or rates permitted by Chapter 22, Title 5 of the Delaware Code, the licensee may charge and collect the following fees and charges, subject to the limitations provided below, in respect to revolving credit plans or closed-end loans:
Changes in this Privacy Statement
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.
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