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Privacy Policy

At eBadCreditAuto.com, the confidentiality and protection of your personal information is as important to us as it is to you. You can visit and browse the eBadCreditAuto.com website without disclosing who you are or providing any other personal information about yourself. Services provided by our site require us to collect information from our users. By using this site, you agree to all terms of this privacy policy.

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:


  • Contact Information - Name, email address, mailing address, phone numbers
  • Personal Data - Social Security number, date of birth
  • Debt Information - Monthly rent or mortgage and other debts
  • Employment Information - Where you work and for how long
  • Income Information - Your type and amount of income

  • How we use this information:


  • To seek the auto loan service that you requested
  • To respond to any questions and concerns

  • 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:


  • Consent to contact - to follow up with you regarding your application, partially completed application, or comparable services available through our site.
  • Consent to seek loan approval - to pull credit reports and search for an auto loan approval with Auto Lenders and Auto Dealerships on your behalf.
  • Third party consent - to provide customer information to third parties which we feel offer goods or services you may be interested in, outside of the parameters of obtaining an auto loan.

  • 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:

  • Information we receive from a consumer-reporting agency.
  • Information we receive from participating Auto Lenders and Dealers.
  • Information we collect from you via forms contained within this site.
  • Information we receive from you through other correspondence.

  • 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:

  • Identification verification
  • Prevention of fraud and identity theft
  • Information verification
  • Credit approvals
  • Reporting transactions to credit agencies

  • eBadCreditAuto.com is equally committed to preventing others from gaining unauthorized access to your personal information:

  • Through procedures and technology designed to ensure confidentiality.
  • By restricting access by our employees.
  • By restricting access by our agents and/or third parties who service, provide, or market our products and services.
  • By requiring any party with access to maintain the same level of confidentiality.

  • 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.

    Credit Reports


    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.

    Minors


    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.

    Cookies

    A 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 Tracking

    We utilize IP addresses for trend analysis, site administration, user movement tracking, and to gather demographics. IP addresses are not linked to personally identifiable information.

    Other Sites

    Our site may contain links to other sites. We are not responsible for the content or privacy policies and practices of other sites. Please be aware when you leave our site and be sure to review the privacy policy of any web site that gathers personally identifiable information. This privacy policy only governs information collected by eBadCreditAuto.com.

    Data Security

    Data 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 Files

    We 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 Encryption

    When 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 Security

    All 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.

    Acceptance of this Privacy Policy

    By using eBadCreditAuto.com services or sites, you agree to abide by the terms and conditions of this Privacy Policy and our Terms of Use. PLEASE DO NOT USE THIS SITE OR ITS SERVICES IF:

  • You do not agree to the terms and conditions of this Privacy Policy and our Terms of Use.
  • You are not a US resident.
  • You are under 18 years of age.

  • Notification of Changes

    These 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 Us

    We 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 time you submit a request for information (a response confirming your submission)
  • Informing you about eBadCreditAuto.com products, services and programs
  • When there are questions regarding a submitted application
  • When we need further clarification or documentation regarding a submitted application

  • Every e-mail sent by eBadCreditAuto.com contains a link to opt out of future e-mails. You can also opt out HERE.

    Contacting Us

    If 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 Documents

    Electronic 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 Issues

    As 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 Theft

    If 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 Marketing

    To have your name removed from many mail and marketing lists please follow these steps:

  • Direct Marketing Association - To remove your name from direct mail or telemarketing lists of members of the Direct Marketing Association, send a written request with your name, address, and Social Security Number (if it was included in the mailing you received) to the Direct Marketing Association. The Direct Marketing Association is responsible for notifying its members that you want your name removed from the lists they sell. Your name and address will remain in their consumer exclusion files for five years. You may also visit their Web site at www.dmachoice.org.
  • Credit Reporting Agencies (Credit Bureaus) - Major national consumer credit reporting agencies (Equifax, Transunion, Experian) also sell or share your name and certain other information to outside companies for marketing. You may direct these agencies not to do so by calling their toll-free telephone number at 1-888-567-8688 (1-888-OPTOUT).
  • Federal "Do Not Call" Registry - The FTC implemented a Do Not Call Registry on October 1, 2003. To register for the Telemarketing Do Not Call list, visit the FTC Web site at www.donotcall.gov.

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