Your Privacy



We-Finance-Bad-Credit.com understands that privacy concerns are of utmost importance when it comes to the use of your personal information. Because we would like to assure you that we are committed to protecting your personal privacy, We-Finance-Bad-Credit.com has created this privacy statement. We collect the information necessary to respond to your requests for our financial products and services, and the following discloses our information gathering and dissemination practices for this website: Our site's qualification form may require users to give us information such as your name, address, phone number, e-mail address, social security number, employment, income, credit history and other financial information . This information gathering procedure allows We-Finance-Bad-Credit.com to find you a lender that best meets your borrowing needs and is forwarded to the dealer/lender. It will be necessary during this process to contact you via the email address you have provided on the form you submitted for auto finance approval. At any time during this process you decide that you no longer wish to particpate in our program, simply type the word REMOVE in the subject matter box when replying back to our request. This site contains links to other sites.

We-Finance-Bad-Credit.com is not responsible for the privacy practices or the content of such websites.

SHARED INFORMATION

If you provide us with your name and mailing address, we may decide to make it available to other companies that wish to tell you about their products. (See below if you prefer that we not share this information). We may segment the information into groups of customers who have bought similar amounts and types of products, but we will never provide details that are specific to a single customer or household. Of course, if there is any information that we are legally required to provide to government agencies, credit reporting agencies or to prevent fraud, we will comply with our legal obligations. Occasionally, when We-Finance-Bad-Credit.com does not have a partner dealership available in a specific area to assist our consumers, we may forward your request for information to another reputable auto loan network. In such a case, you will become subject to the security and privacy policies that are posted on the associated website and if you wish to do so, you will have to opt out of disclosure through the associated website.

COLLECTING INFORMATION

In order to ensure that consumers get the very best service, We-Finance-Bad-Credit.com collects demographic information, web pages visited and other consumer-volunteered information from sources such as forms, survey information and/or site registrations. We-Finance-Bad-Credit.com also collects information from auto loan applications including name, zip code, phone number, e-mail address and certain finance and credit-related information. Gathering this information helps We-Finance-Bad-Credit.com to identify our customers and manage our customer relationships. It also assists We-Finance-Bad-Credit.com in the development or referral of products and services that we believe will meet the continuing needs of our customers. Collected information is also used to improve the content of our Web site, customize the content and/or layout of our Web site for individual users, and members of our auto dealer network to contact you for follow-up information to their auto loan application and/or for marketing purposes. Auto loan information is used to route requests to our auto dealer network, fulfillment and marketing partners and to contact consumers. By submitting an application, you agree that a member of our dealer network group can contact.

PERSONALIZATON

We-Finance-Bad-Credit.com offers its users the advantage of personalization on our Web site by using cookies. Web site personalization provides our customers with a more convenient online experience and is at no given time used to track information or retrieve data from your hard drive.

COOKIES

Cookies are pieces of information that a web server may transfer to your computer through your web browser. When this information is stored on your computer, our system is able to recognize your browser and in turn customize web page content for you. We will not use any cookies to retrieve data from your hard drive or obtain sensitive information about you. When a cookie is set, your browser will check it for length, an expiration date, and where it originated. Only We-Finance-Bad-Credit.com. can access the cookies that we set. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain aspects of our online services or website features.

OWNERSHIP OF COLLECTED DATA

Once it is received in our database, auto loan information, including your name, e-mail address, home address and financial/credit status information becomes the property of We-Finance-Bad-Credit.com. This information is passed on to our dealers, fulfillment and marketing partners and affiliates for completion of the loan. Once one of these entities receives this information, it becomes the subject to their respective privacy policy, in addition to We-Finance-Bad-Credit.com's. Our accredited dealers use this information to process your purchase request and provide valuable services. Any request to opt out of future dealer communications must be made directly to the dealer.

TRACKING PIXELS

We-Finance-Bad-Credit.com uses clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. In addition, some We-Finance-Bad-Credit.com affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their websites.

OUR POLICIES REGARDING THE COLLECTION OF INFORMATION OF A MINOR

The information and services provided by We-Finance-Bad-Credit.com, our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside We-Finance-Bad-Credit.com.

VIEWING OUR PAGES

If you browse through our Web site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our Web site from another Web site, the address of that Web site.

OUR WEB SITE AND APPLICATION IS SECURE

We-Finance-Bad-Credit.com understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.

IF YOU RESIDE IN VERMONT

Vermont has adopted new consumer privacy regulations that may require financial institutions to obtain your consent prior to sharing nonpublic personal information about you with non-affiliated companies. If you are a resident of Vermont, we will not share nonpublic personal information we collect about you, your account or your transactions without your consent except as otherwise permitted by law.

FAIR LENDING

Under the Equal Credit Opportunity Act (ECOA), We-Finance-Bad-Credit.com is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has - in good faith - exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). We recommend you make and retain a copy of our Privacy Policy.

Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this loan.

TCPA DISCLOSURE

I consent and agree that We-Finance-Bad-Credit.com (and its affiliates, agents, assigns and service providers) may monitor and record telephone calls regarding my account to assure the quality of service or for other reasons.

I also expressly consent and agree, in order to administer and service my account or to collect any amounts I may owe, We-Finance-Bad-Credit.com (and its affiliates, agents, assigns and service providers) may contact me by telephone at any telephone number associated with my account that I provide now or in the future, including cellular phones, wireless telephone numbers or other wireless devices, regardless of whether I incur charges as a result.

I expressly consent and agree to We-Finance-Bad-Credit.com (and its affiliates, agents, assigns and service providers) contacting me by the following methods including, but not limited to, any telephone dialing system, sending text messages or e-mails using any e-mail address I provide now or in the future, using manual calling methods, pre-recorded/artificial voice messages and/or use of an automatic dialing device or system, as applicable.

OTHER COMPANIES' POLICIES MAY DIFFER

Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. If you disclose your information to dealers or other parties that you are placed in contact with through our site or other sites throughout the Internet, different privacy policies may apply to their use or disclosure of the information you disclose to them. Since We-Finance-Bad-Credit.com does not control the privacy policies of third parties, you are subject to the privacy policies of that third party and we encourage you to read their privacy policies or ask questions before you disclose your personal information to others.

TERMS OF ACCEPTANCE

By using this site and providing us with your information, you agree to the We-Finance-Bad-Credit.com Privacy Policy. If you do not agree to this policy, please do not use our site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page frequently for changes. Your continued use of the We-Finance-Bad-Credit.com site means you accept those changes. You can e-mail us with any further questions you may have. Info@consolidated-auto.com.

BY COMPLETING ALL REQUIRED FIELDS IN YOUR APPLICATION AND CLICKING THE "SUBMIT APPLICATION" BUTTON ON OUR WEBSITE APPLICATION PAGE, YOU ACKNOWLEDGE AND AGREE:

(1) THAT YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY AND CAN ACCESS AND RETAIN THOSE DOCUMENTS;

(2) THAT YOU CAN RECEIVE AND READ EMAIL MESSAGES SENT TO THE EMAIL ADDRESS IN YOUR APPLICATION;

(3) THAT YOU CAN ACCESS INFORMATION PROVIDED ELECTRONICALLY AT OUR WEB SITE AND OTHER WEB SITES RELATED TO YOUR APPLICATION;

(4) TO RECEIVE DOCUMENTS ELECTRONICALLY AND TO STORE OR PRINT THOSE DOCUMENTS FOR YOUR RECORDS;

(5) THAT THE ACTIONS DESCRIBED HERE OR ON THE DOCUMENTS WILL SERVE AS YOUR ELECTRONIC SIGNATURE ON ANY SUCH DOCUMENTS; AND

(6) THAT YOU ARE PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM US UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT, AND INTENDING THAT THIS LAW APPLY TO YOUR TRANSACTIONS WITH US.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

By submitting an application, you certify that all of the statements in this application are true and complete and are made for the purpose of obtaining credit. You authorize We-Finance-Bad-Credit.com to share your application and related information with its lending partners in order to complete the processing of this application. You authorize We-Finance-Bad-Credit.com and its lending partners to retain and rely on your application and to access your credit report in order to evaluate your credit application. In addition, you acknowledge that you have read the We-Finance-Bad-Credit.com privacy policy related to your application, and agree to receive Electronic Documents. By clicking the Submit button below, you further authorize We-Finance-Bad-Credit.com third party lending institutions to share information in your application, and any other credit information they obtain, with other third parties who may be able to offer or arrange for a direct loan and/or dealer financing.

We ask for consent to provide customer information to third parties, which we feel may offer goods or services that may be of interest related to auto loans or other products and services outside of auto loans.

I agree to allow Centrro to pull my credit grade and share such grade with www.We-Finance-Bad-Credit.com. Upon Centrro pulling your credit grade, you will included in Centrro's free membership program where you will get updates on your credit grade and other offers. Click here to view their Terms of Use

Thank you for visiting We-Finance-Bad-Credit.com!

This Privacy Policy Last Modified Dec, 10th 2003

We-Finance-Bad-Credit.com is free to the consumer. Your personal information is provided to lenders and auto dealers throughout the USA. APR's range from 0% to 24% depending on your geographic location, vehicle type and credit history. Each dealer and lender in your state may have penalties for late or non-payment. Please make sure you read and understand lenders and dealers loan re-payment requirements before you sign. Please be aware that by filling out a credit application that you agree to have your credit pulled by lenders and dealers that are trying to help you and could effective your overall credit score.