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Information Collection and Use
We never sell or furnish information to third parties unless instructed to do so by the person who gave the information.
Personal information needed to use our service:
How we use this information:
Once we have received the necessary information from you, it is submitted to third party Lenders and Auto Dealerships that may be able to provide the auto loan you requested. By completing and submitting our quote form you agree that we may transfer the information you provided to these third parties service providers on your behalf for the purpose of obtaining an auto loan, and ultimately purchasing a vehicle.
Consent reqired from applicants for our Auto Loan Quote application form:
Nonpublic personal information is used only to evaluate your application and to locate a participating automobile lender or dealer located within your area for the purpose of acquiring automobile credit and purchasing an automobile. This may include direct marketing services, application services, data enhancement, and e-mail marketing, including suppression and validation.
We do not disclose any nonpublic personal information to anyone, except as permitted by law. We do not disclose or sell your nonpublic information to third parties that are not affiliated without your consent. Nonpublic, personal information includes any information about you that you or someone else has provided us and that is not publicly available, as well as information about your transactions with us. This includes:
We may disclose certain information to government agencies, consumer-reporting agencies, and other third parties as permitted and/or required by the Federal Privacy Act or other applicable laws. These disclosures are usually for specific, limited purposes, such as:
eBadCreditAuto.com is equally committed to preventing others from gaining unauthorized access to your personal information:
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you submit a finance application your name, address, date of birth and social security number will be used to verify your identity. As part of the process we may verify the information you provide, or obtain omitted contact information from third parties.
By selecting the credit check authorization check box and by submitting the online quote request form you are affirming on behalf of the stated Applicant(s): "I authorize any and all affiliated network finance partners and its employees, agents and potential assignees to obtain and verify information about me (including one or more credit reports, information about my employment, banking and credit relationships) that they may deem necessary or appropriate in evaluating my application. If my application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate and legal purpose. I understand that multiple credit reports may be obtained by multiple finance partners in order to process my Application."
I understand that by signifying that a co-signer is available if necessary that I may be asked to provide additional information about the co-signer and that the co-signer will may be contacted and asked to provide authorization to access credit reports for the co-signer as well.
We do not knowingly collect information from individuals under the age of eighteen (18). No information should be submitted to, or posted at, this site by individuals under the age of eighteen (18). Parents and guardians should always monitor the online activities of their children.
Do Not Call Registry Compliance
By submitting personal contact and/or financial information through our site/service, the user hereby grants written permission to eBadCreditAuto.com, our affiliated sites, and our network business partners for contact via telephone, mail, and e-mail. By registering at eBadCreditAuto.com you are consenting to receive phone call contact from eBadCreditAuto.com, our affiliated sites, and our network business partners via telephone, including but not limited to our finance partners who may contact you regarding credit counseling. Thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.
CookiesA cookie is data stored on the user's hard drive containing information about the user. A cookie is not linked to personally identifiable information while on our site. Once the user closes their browser, the cookie terminates. If a user rejects the cookie they can still use our site, however the user will be limited in some areas and with regards to what functions they can access.
IP TrackingWe utilize IP addresses for trend analysis, site administration, user movement tracking, and to gather demographics. IP addresses are not linked to personally identifiable information.
Data SecurityData is protected using the most advanced methods currently available. We take every reasonable precaution in protecting user information. If you submit sensitive information via our website, your information is protected online and off-line.
Log FilesWe use Google Analytics to analyze site traffic to help us better understand and serve our visitor's needs. Data that Google collects on our behalf may include search engine referral, affiliate referral, banner ads and online promotion traffic, how visitors navigate our site, and the most popular pages. They also gather technical information such as the browser type, version and operating system. Google Analytics only collects anonymous, aggregate statistics. We do not tie a specific visit to a specific IP address and we do not connect this tracking with personally identifiable information.
We allow third-party companies, including AddThis, to collect certain anonymous information when you visit our website. These companies may use non-personally identifiable information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information. To learn more about this behavioral advertising practice, you can visit www.networkadvertising.org.
SSL EncryptionWhen users submit sensitive information via our website, the information is encrypted and protected with the best encryption software currently available - SSL (Secure Socket Layer) Encryption. A lock icon will appear at the bottom of most web browsers Netscape, Microsoft Internet Explorer, FireFox, Google Chrome) when you are browsing SSL secure pages.
Access and Physical SecurityAll user information, not just sensitive information, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personally identifiable information. Employees are kept aware of our security and privacy practices. Any time policies are changed or added our employees are notified. Our servers, where personally identifiable information is kept, are in a secure area.
Notification of ChangesThese practices and policies are subject to change, but we will communicate any material changes to you. The practices and policies in this disclosure replace all previous privacy notices or statements of eBadCreditAuto.com.
Receiving E-mail From UsWe do not send unsolicited e-mail. When you provide your e-mail address to us it is with the explicit understanding that you are asking to receive information from eBadCreditAuto.com. You will receive e-mail from us, our partners or vendors:
Every e-mail sent by eBadCreditAuto.com contains a link to opt out of future e-mails. You can also opt out HERE.
Contacting UsIf you have any questions about this privacy statement or the practices of this site please Contact Us.
STATE LAW DISCLOSURES - Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us HERE. Married applicants may apply for separate credit. A married applicant may include a spouse's income even when applying for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit an application to us and your application is forwarded to one of our finance partners, you may be issued a financing agreement by a finance partner in accordance with Maryland commercial law code 12-125, 1013. This financing agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the financing agreement remains in effect.
Ohio: 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.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us HERE.
Wisconsin: 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.
Consent for Electronic DocumentsElectronic Signatures in Global and National Commerce Act
You are submitting a vehicle finance application. To continue this process, our finance partners must provide you certain notices, documents, information and disclosures related to your application electronically ("electronic documents"). By reading this consent for electronic documents, you agree that you have been informed of your rights when receiving these electronic documents. By agreeing to receive electronic documents, you acknowledge receipt of this consent for electronic documents, and agree to receive electronic documents via the internet to the e-mail address designated on your application. You need to contact the finance partner if you would like such records to be provided on paper or in non-electronic form.
You may withdraw your consent by contacting us HERE, however, if we have already forwarded your application to a financial partner you must also withdraw your consent from the financial partner when they contact you. If you withdraw your consent, the legal validity and enforceability of previously transmitted electronic documents will not be affected, and you will not have the option to later receive your electronic documents via electronic means.
Consent and Acknowledgment:BY CLICKING THE SUBMIT BUTTON TO SEND THE QUOTE REQUEST TO EBADCREDITAUTO.COM, YOU HEREBY ACKNOWLEDGE YOU CAN ACCESS ELECTRONIC DOCUMENTS, AND YOU CONSENT TO HAVING ELECTRONIC DOCUMENTS PROVIDED TO YOU ELECTRONICALLY VIA E-MAIL.
Privacy Concerns and IssuesAs a service to our customers, we have provided contact information for various organizations, groups and websites that can help you protect and maintain your privacy.
Identity TheftIf you suspect someone has had unauthorized access to or use of your personally identifiable information, please report this crime to local law enforcement and to the Federal Trade Commission (FTC). To speak with a FTC telephone counselor, call toll-free 1-877-IDTheft (1-877-438-4338). To enter information about your complaint into a secure FTC online database, visit www.consumer.gov/idtheft.
Limit Direct MarketingTo have your name removed from many mail and marketing lists please follow these steps:
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