This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our website or app?

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.

When do we collect information?

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.

How do we use your information? 

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:

• This provides the ability to quickly process your transactions.

How do we protect your information?

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.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember your application data or to retrieve incomplete application data ensuring the process can be completed where it was left. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

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.

Third-party disclosure

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. 

Third-party links

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.

How does our site handle Do Not Track signals?

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. 

Does our site allow third-party behavioral tracking?

It's also important to note that we do not allow third-party behavioral tracking.

COPPA (Children Online Privacy Protection Act)

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.

Fair Information Practices

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:

• We will notify you via email within 7 business days
• We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

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:

• Process your application to obtain consumer financing or for a dealer to use the XpressCredit™ software.

To be in accordance with CANSPAM, we agree to the following:

• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at admin@xpresscredit.net and we will promptly remove you from ALL correspondence.

Contacting XpressCredit™

If there are any questions regarding this privacy policy, you may contact us using the information below.

www.xpresscredit.net