Privacy Policy

In accordance with federal regulations, this notice is to tell you how we may use non-public personal financial information ("Personal Information") about you. This notice applies to both current and former customers of Car Equity Loans.

Collection of Personal Information

We collect the following Personal Information about you:

• Demographic and identifying information, such as your name, address and telephone number;
• Credit related information, such as your social security number, income, account information, and information about your debts;
• Transactional information, such as your driver's license number and information needed to complete and process vehicle title and registration forms.
• The Personal Information we collect about you is from the following sources:
  • You, such as your name and social security number that you provide on applications or other forms;
  • Us or third parties from transactions you have entered into, such as your loan balance and payment history; and
  • Consumer reporting agencies, such as your credit history and information about your creditworthiness.

Disclosure of Personal Information

We may disclose the Personal Information that is described above under the following circumstances:

1. To Our Service Providers

   We may disclose some or all of the Personal Information described above to companies that perform services for us or act on our behalf, such as banks, statement processors, repossession companies, collection agencies or our attorneys. We may make such disclosure of Personal Information about you as a customer or former customer.

2. Among Affiliates

   We may share Personal Information about you with third parties who may wish to market their products to you.

3. With Other Third Parties

   We may share Personal Information about you with third parties who may wish to market their products to you, as maybe required by law, or as permitted by law. For example: We may report information about your loan to credit reporting agencies; and, we may be required to provide Personal Information about you pursuant to legal process.

Protection of Information

We restrict access to Personal Information to our employees or affiliates who need this information to provide financial products or services to you. We strive to maintain physical, electronic and procedural safeguards that are consistent with federal standards to guard your Personal Information.

Technical Information

We gather technical information from your Web browser (IP address, operating systems). We also set persistent cookies on your computer. We collect anonymous, non-personally identifiable information about your navigation throughout our website by using "action tags" or invisible "gifs" placed on our website by us. We use this information to determine that you are a unique website user, to assist you in the application process, and for assessing the effectiveness of our website. We also use this information for routine website maintenance.

Security Procedures

We restrict access to nonpublic personal information about you as a current for former customer to those employees who need to know the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards in accordance with federal regulations to guard your nonpublic personal information. For example, we use Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any nonpublic personal information transmitted to or from us.

Keeping Customer Information Accurate

If you believe our records are incomplete or inaccurate, you may write to us at: 916 J Street Sacramento, Ca. 95815

Or you can email us at info@carloan916.com.

Effective Date; Changes to Our Policy

This Privacy Policy was last updated on: January 1, 2008. If we make substantial changes to our policy, we will post the changes on our website.

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If married you may apply for a separate loan.