privacy notice
Rainier
In accordance with federal regulations, 5MinuteAutoLoan.com is giving you this notice to tell you how we may use non-public personal information you provided us in connection with a financial product or service you have obtained, or sought to obtain, from us. We call this nonpublic personal information "Private Information" and describe it below. This notice applies to your Private Information while you are our customer, as well as after our customer relationship is terminated.
Collection and Use of Private Information
We collect the following types of Private Information about you from the following sources:- Information we receive from you on applications or other forms, such as your name, address, social security number and income.
- Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.
- Information we receive from consumer reporting agencies, such as your credit history and creditworthiness.
Disclosure of Private Information
We may disclose Private Information (described above) under the following circumstances:- Among Affiliates
There are two special categories of Private Information. One is information about your history of dealing with us, such as identification information, account history and balances and payment history (which we refer to as"Transaction Information"). The other is information received from other sources, including information typically found in a credit report (which we refer to as "Third Party Information"). We may share all Private Information that consists of Transaction Information withour affiliates. Our affiliates include a mortgage broker. We do this to provide you with the products and services we and our affiliates offer. We do not share Third Party Information with our affiliates.
- With Other Financial Service Providers
When you apply to us for credit, or when a dealer forwards your credit application to us for approval, we will share all Private Information we obtain about you in that transaction with other lenders and finance companies (including motor vehicle dealers providing vehicle financing) who are necessary to our credit decision making process.
- With Service Providers and Joint Marketing Partners
We may disclose all Private Information we collect to companies that perform services on our behalf, including companies we engage to market our products and services for us, or to other financial institutions with which we have joint marketing agreements including motor vehicle dealers providing vehicle financing.
- With Non-Affiliated Marketing Companies
In order to provide you with additional product and service offerings, we may disclose all Private Information about you with trustworthy and reputable third parties such as:- Financial service providers
- Non-financial companies
- Others
- With Other Third Parties
We may share all Private Information about you with other non-affiliated third parties, as permitted by law.
Protection of Information
We restrict access to Private Information about you to our employees and third parties who need to know that information in order to manage youraccount. Additionally, we take other steps to protect your Private Information in a manner consistent with industry standards for similar sized finance companies. We will review our safeguards from time to time, and strive to maintain them in a manner consistent with federal regulations, if any, that may be in effect from time to time. Our employeesare trained and required to maintain our privacy policies and procedures. Employees who violate these policies and procedures are subject to disciplinary action.Notice to CA, NY, OH,RI, VT, WI residents.
California Applicants:
If married, you may apply for a separate account.
New York Applicants:
In connection with your application for credit, the dealer to whom this application is delivered may request a consumer report which contains information on your credit worthiness, credit standing, personal characteristics and general reputation. If the dealer grants you credit, it (or its assignee) may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask the dealer, it will tell you whether it obtained a consumer report and, if it did, it will tell you the name and address of the consumer reporting agency that gave it the report.
Ohio Applicants:
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.
Rhode Island Applicants:
A consumer report may be requested in connection with this application.
Vermont Applicants:
By submitting my (our) application, I (we) authorize the dealer I chose on my (our) application and its employees, agents and potential assignees to obtain and verify information about me (us) (including one or more credit reports, information about my (our) employment and banking and credit relationships) that any of them may deem necessary or appropriate in evaluating my (our) application. If my (our) application is approved and credit is granted, I (we) also authorize such parties to obtain additional credit reports and other information about me (us) in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.
Wisconsin Applicants:
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.
