When applying for a loan or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, social security number or other details to help you with your experience. Since XpressCredit™ does not have a blog there is no identifiable information about our customers displayed on the site.
Credit card information is applicable to dealers only for the payment of services by XpressCredit™ – third-party services (NADA, KBB, 700Credit, etc.) and obtaining of financing for dealer’s consumers.
We collect information from you when you fill out a form or enter information on our site. This would be consumer application data used to obtain financing from XpressCredit™ relationships with banks, credit unions, regional finance companies and other third-party relationships.
We may use the information we collect from you when you complete a consumer or dealer application or submit consumer applications for financing or when a dealer will use a third-party interface from our web-site:
We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. All Company employees and contractors sign confidentiality agreements to ensure compliance with the handling of customer data. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.
Your consumer application data will be stored for a period of seven (7) years from the time you apply for financing.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled. It won't affect the user's experience that make your site experience more efficient and may not function properly.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information. This does not include website hosting partners and other third-parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
It's also important to note that we do not allow third-party behavioral tracking.
This is not applicable as a consumer must be 18 years old to qualify for the ability to obtain consumer financing. The same age requirement is used for our dealer Principals.
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM, we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can email us at email@example.com and we will promptly remove you from ALL correspondence.
P.O. Box 655 Canadaigua, NY 14424 United States firstname.lastname@example.org 877-231-0595