Yes 4 Credit Oregon 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, Yes 4 Credit Oregon 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 Yes 4 Credit Oregon 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 participate in our program, simply type the word REMOVE in the subject matter box when replying back to our request.
If you provide us with your name and mailing address, 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.
In order to ensure that consumers get the very best service, Yes 4 Credit Oregon collects demographic information, web pages visited and other consumer-volunteered information from sources such as forms, survey information and/or site registrations. Yes 4 Credit Oregon 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 Yes 4 Credit Oregon to identify our customers and manage our customer relationships. It also assists Yes 4 Credit Oregon 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.
Yes 4 Credit Oregon 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.
OWNERSHIP OF COLLECTED DATA
OUR POLICIES REGARDING THE COLLECTION OF INFORMATION OF A MINOR.
The information and services provided by Yes 4 Credit Oregon, 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 Yes 4 Credit Oregon.
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
Yes 4 Credit Oregon 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.
OTHER COMPANIES’ POLICIES MAY DIFFER
TERMS OF ACCEPTANCE
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.