CarLoan.com Privacy

Effective Date: January 3, 2025

Last Updated: January 3, 2025

CarLoan.com, ("Company," "we," "our," or "us") respects the privacy of users of our websites and services (collectively, "Platform"). This Privacy Policy governs the use, collection, disclosure, and protection of personal information from you by the Company and its affiliates through your use of our Platform. It also informs you of the rights and choices you have with respect to your personal information, and how you can reach us to exercise your rights or ask questions.

Types Of Information Collected

The Company and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining, and providing internal support may collect information from the following two categories: (1) personal information that you voluntarily provide about yourself, and (2) usage information relating to your interactions with us and the Platform (including information that you submit or upload directly to the Platform). In some cases, it is an agent or vendor of ours that collects the information on our behalf. We may collect this information when you register for the Platform, request a demo through our Platform, sign up for our mailing list or other marketing materials, or interact with us for any other purpose.

Personal information we collect may include, among other things, the following categories:

Personal and basic Identifiers: real name, alias, postal address, phone number, unique personal identifier, online identifier, Internet Protocol address, email address, account name.
Demographic Data: Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, veteran or military status, some of which are protected classifications under state and federal law.
Commercial Information: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Device and online identifiers: internet protocol (IP) address, cookies, beacons, pixel tags, mobile ad identifier, or similar unique identifiers
Internet or other similar network activity: Browsing history, search history, and information on consumer's interaction with our website, application, or advertisement.
Geolocation Data: Physical location or movements
Professional or employment-related information: Current or past job history or performance evaluations.
Sensitive Personal Information: Consumer's precise geolocation, racial or ethnic origin, religious or philosophical beliefs

How We Use Personal Information

We may use the information we collect for various purposes, including the following:

to communicate with you about your inquiries, including providing more information about our Platform and other services and products about which you inquired;
to provide and improve our services, and to help provide new services, features, products, and opportunities to our customers;
to improve our services and to develop new products, features and technologies that benefit our users. For example, we use publicly available information to help train AI models and build products and features with AI capabilities;
to operate, customize, and improve the Platform, including for analytics purposes, research and development regarding how you interact with the Platform; customize marketing and advertisements shown to you;
to send surveys, promotions, and marketing materials that may be of interest to you tailored to your interest;
to comply with applicable laws and regulations and to maintain the security of our Platform.

How We Share Personal Information

We may share the information we collect with other parties, including:

Affiliates. We may share personal information that we collect through the Platform with affiliates or with any company that is directly or indirectly owned, controlled or operated by Company so that we and they can communicate with you about products and services that we believe may be of interest to you. The use and further disclosure of the information collected on the Platform by our affiliated companies will be governed by this Privacy Policy.
Service Providers. We have arrangements with third-party vendors, such as backend service providers, that assist us with the operation of the Platform or the services and features we offer through the Platform, including vendors that process personal information on our behalf. To protect your privacy, we do not authorize our vendors to retain, use or disclose personal information we collect for any purpose other than to provide the services that they provide for us or our users.
Your Consent or as Otherwise Disclosed. We may share information with your consent or as otherwise disclosed at the time of data collection or sharing. For example, our Platform may offer optional services or features, such as promotions, associated with unaffiliated third-party companies. If you choose to use these optional services or features, we may provide information to such third parties. We will not do so without telling you in advance, and you can avoid having us make such disclosures by choosing to opt out of using these services or features of the Platform.
To Comply with Law. We may share information about our customers when release is required by a governmental agency, court, or other entity (e.g., to comply with legal process), or when appropriate to enforce our Terms of Use, or to protect the rights, property or safety of visitors to our Platform, the public, our customers, or of Company.
As Part of a Change in Corporate Control. In the event of a bankruptcy, merger, acquisition, transfer of control, or joint venture, information about our visitors would be among the transferred assets. We may also share information as part of administrative proceedings regarding the sale of our assets.
In addition, we may use aggregated or de-identified information, such as anonymized analytics regarding user access to our Platform, and the activities and preferences of our customers, and disclose it to third parties without limitation.

Children's Privacy

We do not knowingly collect personal information regarding any individuals under the age of 13. If we learn that we have unintentionally collected personal information regarding any individual younger than 13 years old, we will promptly delete that information.

To help make our Platform more responsive to the needs of our visitors, we use a standard feature of browser software, called a "cookie," to assign each visitor a unique, random numerical identification code that resides on their computer. The cookie doesn't actually identify the visitor, just the device that a visitor uses to access our Platform. You have the ability to accept or decline cookies.

We use cookies to track usage of the Platform and further personalize your experience when you are visiting the Platform. By tracking usage, we can determine what features of the Platform best serve our users. Overall, the use of cookies helps to give you a more personalized experience at the Platform. The information is used to keep our Platform relevant and convenient for you and to allow you to avoid retyping your login credentials each time you access the Platform.

We use the following types of cookies:

Essential Cookies are required to make our Site function properly and cannot be turned off in our systems. If you block these cookies, portions of our Platform may not function properly.
Performance and Functional Cookies allow us to count visits and sources of traffic on our Platform so we can measure and improve performance and functionality. They help us know which pages of our Site are most and least popular and how visitors move around the Site.
Targeted Advertising Cookies may be set through our Platform by our advertising partners. They may be used by advertising companies to build a profile of your interests and show you relevant advertisements on other websites.
Social Media Cookies allow you to share information using social media sharing buttons on social networks like Facebook, Pinterest, Instagram, or Twitter. This information may then be used by the social media network to deliver targeted advertising to you.

Managing Cookies

If you wish to opt out of allowing certain cookies, you may do so by changing your browser settings so that cookies from our website cannot be set. Please note that if you delete, block, or otherwise restrict cookies, or use a different computer or Internet browser, you will need to renew your cookie management choices.

Most Internet browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or to notify you when a cookie is being placed on your computer. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

https://support.google.com/chrome/answer/95647 (Chrome);
https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop (Firefox);
https://help.opera.com/en/latest/security-and-privacy/ (Opera);
https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
https://support.microsoft.com/en-gb/help/4468242/microsoft-edge-browsing-data-and-privacy (Edge).

Please note that this Cookie policy does not apply to, and we are not responsible for, the privacy practices of third party websites which may be linked to our websites.

Digital Advertising, Web Sessions Recording Technologies & Web Analytics

When you visit our website, we use site visit recordation technologies, to memorialize site visits, third-party cookies, becaons, tags and scripts to help collect the categories of information described above and aggregated information from your internet browser such as your behavior on our website.

We and third parties also use tools that enable us to track certain aspects of a user's visit to our websites. These technologies help us better manage content on our websites by informing us what content is effective, how consumers engage with our websites, and how consumers arrive at and/or depart from our websites. The software typically uses two methods to track user activity: (1) "tracking pixels" and (2) "clear gifs." Tracking pixels are pieces of executable code that are embedded in a web page that track usage activity including which pages are viewed, when they are viewed, and how long the pages are viewed. Clear gifs are tiny graphics with unique identifiers which are embedded in web pages and email messages that track whether a user views a web page or email message. User activity information may be associated with additional information about a user's session and Personal Information, if provided by the user.

We may use following technologies across our websites:

We use Google Analytics, an independent web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information about Google's policies and practices, please see Google's privacy policy at https://www.google.com/intl/en/policies/privacy. You may opt out of the aggregation and analysis of data collected about you on our website by Google Analytics by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/. Please note that if you opt out, analytics companies other than Google Analytics may continue to aggregate and analyze data collected about you on our website.

We use site visit recordation technology to memorialize site visits, including technology provided by third parties, including Jornaya's TCPA Guardian, as applicable. We use Jornaya to independently document users' consent to be contacted. We use Jornayato independently document users' consent to be contacted. The Jornaya script is embedded on our website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user's computer, time on the page, date and time that the Joranya script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user's browser ("Data Collection Pages"). For more information about Jornaya's data use and collection policies and practices, please review the Jornaya Privacy Policy, located at https://marketing.verisk.com/privacy-center/.

We reserve the right to remove or add new analytic technologies.

Unique Identifier: We may assign you a unique internal identifier to help keep track of your future visits. We use this information to gather aggregate demographic information about our visitors, and we use it to personalize the information you see on the Platform and some of the electronic communications you receive from us. We keep this information for our internal use, and this information is not shared with others.

Information Security

Company maintains reasonable safeguards to protect the security, integrity, and privacy of the information that you provide to us. However, no security system is impenetrable, and we cannot guarantee the security of the information we collect. Nor can we guarantee that the information you supply won't be intercepted while being transmitted to us over the Internet.

Opting Out or Unsubscribe

Whether you submit any Personal Information to us is entirely up to you. You are under no obligation to provide Personal Information. However, in the event this information is essential for us to provide certain services to you, we will be unable to provide you with those services if you choose to withhold the requested information.

We respect your privacy and ability to choose whether to share information with us and third parties. You may opt-out from receiving e-mail communications from us regarding marketing and promotion for new products and services by sending email to . Similarly, if we ask a third-party company to send email offers regarding our products and services to customers, we will share with that company a list of email addresses collected from visitors of our Platform who have opted-out of our email program to ensure that their privacy preferences are honored. You may additionally opt out of both email and text message communications by sending your request to . If you elect to unsubscribe, we will remove you from the relevant list within 10 business days.

If you remain an active registered user of our Platform following an opt-out request, we may still send emails containing important notices or updates to you regarding your current use of the Platform.

State Privacy Rights

California residents should refer to our California Privacy Notice for more information about our privacy practices and their California privacy rights.

Shine the Light. If you are a resident of the State of California and would like to learn how your "personal information" (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third-parties, what categories of personal information we have shared with third parties in the preceding year, as well as the names and addresses of those third parties, please e-mail us at: call us at: ; or send us U.S. Mail to: .

Further, 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 e-mail us at: call us at: ; or send us U.S. Mail to: .

Please be advised that where California State residents opt out from permitting their personal information to be shared, such individuals may still receive selected offers directly from us, in accordance with applicable law.

Browser "Do Not Track" Signals. Most browsers contain a "do-not-track" setting. In general, when a "do-not-track" setting is active, the User's browser notifies other websites that the User does not want her/his personal information and online behavior to be tracked and used, for example, for interest-based advertising. As required by the California Online Privacy Protection Act ("CalOPPA"), we are required to inform you that, as is the case with most websites, we do not honor or alter our behavior when a Site User has activated the "do-not-track" setting on her/his browser.

Your Nevada Privacy Rights

Nevada State residents have the right to submit opt-out requests to website operators instructing those website operators not to sell any "covered information" that the website operators have collected about the Nevada State residents to any third-party data broker(s). Covered information includes a consumer's name, postal and email address, telephone number, and Social Security Number, and includes the Information described below in the "Personal Information that We Collect" section.

If you are a Nevada State resident and you wish to exercise your right to request that we stop the selling of your Information to third-party data brokers, please e-mail us at: call us at: ; or send us U.S. Mail to: .

In your request, please specify that you want to exercise your rights to opt out from the sale of covered information under the Nevada Privacy Law and specify the website that you visited and the email address you registered with. Please allow thirty (30) days for a response.

Your Colorado Privacy Rights

Colorado residents should refer to our Colorado Privacy Notice for more information about our privacy practices and their Colorado privacy rights.

Your Connecticut Privacy Rights

If you are a Connecticut resident, you have the following rights under applicable Connecticut law in relation to your personal information, subject to certain exceptions:

Right to Know and Access. You have the right to, up to twice in a 12-month period, request what personal data we collect, use, disclose, and/or sell, as applicable.
Right to Delete. You have the right to request under certain circumstances that we delete your personal data.
Right to Opt-Out. You have the right to opt out of targeted advertising, our sale of your personal data, and profiling decisions that could produce legal or similarly significant effects.
Right to Correct. You have the right to request the correction of your inaccurate personal data.
Right to Data Portability. When accessing your data, you have a right to obtain that data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit that data to another business.
Right to Provide Affirmative Consent. We cannot process your sensitive data or use your personal data for certain purposes without your affirmative consent.
Right to Non-Discrimination. You have the right to not receive discriminatory treatment for the exercise of the privacy rights described above.

Connecticut residents can exercise the following rights by sending email to :

Request to Access My Personal Information
Delete My Personal Information
Correct My Personal Information
Opt Out of the Processing of My Personal Information for Purposes of Targeted Advertising
Opt Out of the Sale of My Personal Information

If we decline to take action on one of your rights as a Connecticut resident, you can submit an appeal by emailing us at

Your Virginia Privacy Rights

If you are a Virginia resident, you have the following rights under applicable Virginia law in relation to your personal information, subject to certain exceptions:

Right to Know and Access. You have the right to, up to twice in a 12-month period, request what personal data we collect, use, disclose, and/or sell, as applicable.
Right to Delete. You have the right to request under certain circumstances that we delete your personal data.
Right to Opt-Out. You have the right to opt out of targeted advertising, our sale of your personal data, and profiling decisions that could produce legal or similarly significant effects.
Right to Correct. You have the right to request the correction of your inaccurate personal data.
Right to Data Portability. When accessing your data, you have a right to obtain that data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit that data to another business.
Right to Provide Affirmative Consent. We cannot process your sensitive data or use your personal data for certain purposes without your affirmative consent.
Right to Non-Discrimination. You have the right to not receive discriminatory treatment for the exercise of the privacy rights described above.

Virginia residents can exercise the following rights by sending email to :

Request to Access My Personal Information
Delete My Personal Information
Correct My Personal Information
Opt Out of the Processing of My Personal Information for Purposes of Targeted Advertising
Opt Out of the Sale of My Personal Information

If we decline to take action on one of your rights as a Virginia resident, you can submit an appeal by emailing us at .

If you have any questions or comments about our Privacy Policy, please contact us at .

Changes to the Privacy Policy

We may make changes to this Privacy Policy by posting an updated version to this location (and/or any other notification method specifically required by applicable law). Any such changes will be promptly posted on this page with "Last Updated" posted at the beginning of this Privacy Policy and will become effective immediately on posting. We encourage you to visit this page periodically to learn of any updates.