MyQuickCarLoan.com is
committed to protecting the privacy of your information. We
recognize that privacy is of utmost importance, and operate our
company with protecting your sensitive personal information in
mind. This privacy policy ("Privacy Policy") outlines the type of
information we gather, its uses and steps we take to safeguard it.
Data Collection
The following principles
apply to the personally identifying information we ask for and that
you provide. MyQuickCarLoan.com collects personally identifying
information from you including, but not limited to: Name, Last
Name, Co-Applicant's Name, City, State, Address, Zip Code, Work
Phone, Home Phone, Loan Amount Desired, 1st Mortgage Balance,
Current Interest Rate, whether your rate is Fixed or Adjustable,
Current Payment, Are You Behind on Payments, Credit Rating, Place of
Employment, Years Employed, Yearly Income, Best Time to Call, Loan
Amount Desired, and Email Address when you:
· Apply for a
mortgage loan
· Apply for
an auto loan
· Contact MyQuickCarLoan.com with questions or comments
We do not sell your personal
information to third parties other than our business partners and
affiliates as described later in this Privacy Policy. We treat all
the information you provide to us as non-public.
Technical Data
We gather
technical information about your machine through your web browser
such as your IP address, operating system, browser type and
referring URL. Our partners may also gather non-personally
identifiable information about your machine via invisible "web
beacons."
Log Files
We gather
certain information automatically and store it in log files, which
contain information such as IP addresses, browser type, operating
system, ISP, date/time stamps and referring pages. This information
is used to track statistics and trends on an aggregate basis, and
does not identify individual users. We do not link this
automatically collected data to personally identifiable information.
Cookies
A cookie is a
small text file that is stored on a user's computer for tracking
purposes. We use persistent cookies to store a session ID to
represent your machine during your first, and each subsequent visit
to our web site. We use cookies to improve the quality of our
service and to better understand how people interact with our web
site. If you choose to disable cookies, you may still be able to
access most of the MyQuickCarLoan.com web site. These cookies are
not tied to your personal information.
Web Beacons
We employ a
software technology called Web Beacons, also known as clear gifs, in
order to gather aggregate, non-personally identifiable information
through third party advertising agencies about our web site. Web
beacons help us identify and track the performance of web pages on
our site, therefore allowing us to measure the performance and
quality of our web site.
Optional
Information
When you access
a MyQuickCarLoan.com web site, we may give you the option of
submitting general information such as the type of home you own and
your general credit rating, for purposes of providing financial
products and services which may be of value to you.
Third-Party
Information Sharing
MyQuickCarLoan.com is a
leading financial services portal, committed to helping our users
find the lowest-cost, most reputable mortgage, auto finance, credit
and insurance services available both offline and online. We have
many satisfied customers throughout the nation.
As such, our business
is to put auto dealers, auto finance, mortgage brokers and lenders
in touch with you to fulfill this service. When applying for a loan
on our site, you consent to being contacted by one or more auto
dealers, insurance, mortgage brokers or lenders.
MyQuickCarLoan.com
collects information from new and existing customers at various
points throughout our web site. Only with your consent, we may
share this information to work with trusted third party business
partners who may contact you to subscribe to or use their products.
We work with various trusted companies in the loan, insurance and
credit industries. Trusted companies are companies defined as
adhering to our strict agreements and protect your personal
information from distribution, loss, theft and misuse.
Opt Out
MyQuickCarLoan.com provides users the
ability to opt-out of receiving communications from us. If you wish
to cease future communications or wish to no longer receive our
services, you can opt out by sending an email to MyQuickCarLoan.com and enter
opt-out in the subject of your e-mail.
To opt out of
communications from the lender/broker assigned to provide the
service you requested, please contact them directly.
Safeguarding Personal Information
MyQuickCarLoan.com uses advanced digital encryption and internal
security measures to safeguard your personal information from loss,
misuse alteration and destruction. We use the highest-grade 128-bit
encryption of all submissions of sensitive data, in order to protect
unauthorized parties from viewing or intercepting the data
transmission. Only authorized employees of MyQuickCarLoan.com can
access your personal information, and can do so only on a
"need-to-know" basis.
Data Retention
MyQuickCarLoan.com stores your information for no less than one year
from the time of initial submission of personal information, as well
as automated personal information we collect about you.
Contact for Privacy Related Issues
If you have any questions on our
Privacy Policy or would like your previously submitted information
modified or removed, you can contact us through the web or by
sending e-mail to Customer Service at MyQuickCarLoan.com.
Privacy Policy Changes
This Privacy
Policy may change, from time to time, due to changes on our web
site, legal developments, business factors, and ever-changing
technology. Notifications to changes of our Privacy Policy will be
posted on our web site, and other places we deem appropriate so that
you are aware of what information we collect, how we use it, and
under what circumstances, if any, we disclose it. We reserve the
right to modify this privacy statement at any time, so please review
it frequently. If we make material changes to this policy, we will
notify you here, by e-mail, or by means of a notice on our home
page.
Disclosures of Personal Information
We reserve the
right to disclose your personally identifiable information as
required by law and when we believe that disclosure is necessary to
protect our rights and/or comply with a judicial proceeding, court
order, or legal process served on our Web site.
Consent for Electronic Documents
CONSENT FOR
ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC
SIGNATURES IN GLOBAL AND NATIONAL
COMMERCE ACT |
Please read this information
carefully and print a copy and/or retain this
information electronically for future reference. |
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Introduction. You are submitting a
credit application for an auto loan ("Application") that
may be submitted to MyQuickCarLoan.com. In order to
continue this process, MyQuickCarLoan.com must provide
you with certain disclosures, notices, information and
documents related to your Application ("Documents")
electronically. This Consent for Electronic Documents
informs you of your rights when receiving these
Documents electronically. By agreeing to receive
Electronic Documents, you acknowledge receipt of this
Consent for Electronic Documents, and agree to the
electronic delivery of such Documents via the internet
to the e-mail address designated on your Application.
Please note that all loan packages are mailed via
overnight delivery. |
|
Hardware and Software Requirements.
Before you decide to receive your Documents
electronically, you must determine if you have the
necessary hardware and software described below to
access and retain these Documents electronically. To
access your Documents, you will need an electronic
mailing address, Adobe
Acrobat Reader, and a personal
computer or other access device that is capable of
accessing the internet. To retain your Documents, your
access device must have the ability to either download
to your hard drive or any external media storage, or
print web pages as well as embedded HTML files. |
|
Withdrawing Consent. You may
withdraw your consent to receive your Documents
electronically at any time by contacting MyQuickCarLoan.com. With the exception of
e-mail communications, we will continue the loan process
in non-electronic form at no charge. If you decide to
withdraw your consent, the legal validity and
enforceability of prior electronic Documents will not be
affected, and you will not have the option to later
receive your Documents electronically. |
|
Copies. If you wish to obtain a
paper copy of any of the Documents, contact MyQuickCarLoan.com and request a copy at no
charge. |
|
Updating Your Contact Information.
To update your electronic or mailing address, contact MyQuickCarLoan.com. |
|
CONSENT AND ACKNOWLEDGMENT. BY
SUBMITTING YOUR APPLICATION ON THIS WEBSITE, YOU
ACKNOWLEDGE THAT YOU CAN ACCESS AND RETAIN THE
ELECTRONIC DOCUMENTS IN THE FORMAT DESCRIBED ABOVE, AND
YOU CONSENT TO HAVING MyQuickCarLoan.com PROVIDE
DOCUMENTS TO YOU ELECTRONICALLY VIA E-MAIL. |
PLEASE PRINT AND RETAIN A COPY OF
THIS AGREEMENT FOR YOUR RECORDS. |
Special Notification for California Residents
Individual customers
who reside in California and have provided their personal
information to us may request information about our disclosures of
certain categories of personal information to third parties for
their direct marketing purposes. Such requests must be submitted to
us via MyQuickCarLoan.com.
Within thirty days of receiving such a request, we will provide a
list of the categories of personal information disclosed to third
parties for third-party direct marketing purposes during the
immediately preceding calendar year, along with the names and
addresses of these third parties. This request may be made no more
than once per calendar year. We reserve our right not to respond to
requests submitted other than to the address specified in this
paragraph.
For Maine
Applicants
You have the right of free choice in the selection of the agent and
insurer through or by which insurance in connection with a loan is
to be placed. Obtaining insurance products from a particular agent
or broker does not affect credit decisions by the lender.
For New York Applicants
A consumer report may be requested in connection with your
application. Upon your request, we will tell you whether or not the
consumer report was requested and give you the name and address of
the consumer-reporting agency that furnished the report.
For Ohio Applicants
The Ohio laws against discrimination require that all creditors make
credit equally available to all creditworthy 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.
For Wisconsin Applicants
Wisconsin law provides that no provision of a marital property
agreement, a unilateral statement under the marital property law, or
a court decree, will adversely affect a creditor's interests unless
the creditor, prior to the time the credit is granted, is furnished
with a copy of the agreement, statement or decree or has actual
knowledge of the adverse provision. If you are making this
application individually and not jointly with your spouse, you
understand that Wisconsin law requires that your spouse be given
notice of this credit obligation.
For Delaware Applicants
Notification - Every licensee shall furnish to every applicant, a copy of this
regulation at the time when such application is made. Posting of
this regulation in the office of the licensee in a place both
prominent and easily visible to all potential applicants shall
satisfy this requirement. An explanation as to the contents and
limitations contained herein shall satisfy this requirement when
transactions occur telephonically. An informational screen
containing these limitations with an affirmative acknowledgement by
the consumer, prior to application, shall satisfy this requirement
for Internet transactions.
Interest
(a) A
lender may charge and collect interest in respect to a revolving
credit plan or closed-end loan at such a daily, weekly monthly,
annual, or other periodic percentage rate or rates as the agreement
governing the plan or loan provides, or as established in the manner
provided in such agreement. Periodic interest may be calculated on a
revolving credit plan using any balance computation method provided
for in the agreement governing the plan. Periodic interest may be
calculated on a closed-end loan by way of simple interest or such
other method as the agreement governing the loan provides.
(b) If the agreement
governing the revolving credit plan or closed-end loan so provides,
the periodic percentage rate or rates of interest may vary in
accordance with a schedule or formula. Such periodic percentage rate
or rates may vary from time to time as the rate determined in
accordance with such schedule or formula varies and such periodic
percentage rate or rates, as so varied, may be made applicable to
all or any part of the outstanding unpaid indebtedness or
outstanding unpaid amounts. In the case of revolving credit, such
rate shall become applicable on or after the first day of the
billing cycle that contains the effective date of such variation. In
the case of closed-end loan transactions, such rate may be made
applicable to all or any part of the outstanding unpaid amounts on
and after the effective date of such variation. Without limitation,
a permissible schedule or formula hereunder may include provisions
in the agreement governing the revolving credit plan or closed-end
loan agreement for a change in the periodic percentage rate or rates
of interest applicable to all or any part of outstanding unpaid
indebtedness or outstanding unpaid amounts, whether by variation of
the then applicable periodic percentage rate or rates of interest,
variation of an index or margin or otherwise, contingent upon the
happening of any event or circumstance specified in the plan or
agreement, which event or circumstance may include the failure of
the borrower to perform in accordance with the terms of the
revolving credit plan or loan agreement.
Additional
Fees and Charges; Limitations - If the agreement
governing the plan or loan so provides, in addition to, or in lieu
of, interest at a periodic percentage rate or rates permitted by
Chapter 22, Title 5 of the Delaware Code, the licensee may charge
and collect the following fees and charges, subject to the
limitations provided below, in respect to revolving credit plans or
closed-end loans:
(a)
Revolving Credit - with respect to a
borrower, a lender may charge, collect, or receive one or more of
the following fees and charges under plans subject to the provisions
of Subchapter II, Chapter 22, Title 5 of the Delaware Code:
(i) Periodic charges - a daily, weekly, monthly, annual or
other periodic charge, in such amount or amounts as the agreement
may provide for the privileges made available to the borrower under
the plan;
(ii)
Transaction charges - a transaction charge or charges in such amount or amounts as the
agreement may provide for each separate purchase or loan under the
plan;
(iii) Minimum charges - a minimum charge, in such amount or
amounts as the agreement may provide for each daily, weekly,
monthly, annual or other scheduled billing period under the plan
during any portion of which there is an outstanding unpaid
indebtedness under the plan;
(iv) Fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of
expenses incurred in good faith by the licensee or its agent in
connection with such loan, including without limitation, commitment
fees, official fees and taxes, premiums or other charges for any
guarantee or insurance protecting the licensee against the
borrower's default or other credit loss, or costs incurred by reason
of examination of title, inspection, recording and other formal acts
necessary or appropriate to the security of the loan, filing fees,
attorney's fees, and travel expenses. In the event a borrower
defaults under the terms of a plan, the licensee may, if the
borrower's account is referred to an attorney (not a regularly
salaried employee of the licensee) or to a third party for
collection and if the agreement governing the revolving credit plan
so provides, charge and collect from the borrower a reasonable
attorney's fee. In addition, following a borrower's default, the
licensee may, if the agreement governing the plan so provides,
recover from the borrower all court, alternative dispute resolution
or other collection costs (including, without limitation, fees and
charges of collection agencies) actually incurred by the licensee;
(v) Over-limit charges - a charge in such amount or amounts
as the agreement may provide, for each daily, weekly, monthly,
annual or other scheduled billing period under the plan during any
portion of which total outstanding indebtedness exceeds the credit
limit established under the plan;
(vi) Delinquency charges - a late or delinquency charge upon
any outstanding unpaid installment payments or portions thereof
under the plan which are in default; provided, however, that no more
than 1 such late or delinquency charge may be imposed in respect of
any single such installment payment or portion thereof regardless of
the period during which it remains in default; and provided further,
however, that for the purpose only of the preceding provision all
payments by the borrower shall be deemed to be applied to
satisfaction of installment payments in the order in which they
become due.
(vii) Returned check charges - a returned check charge may be
assessed to consumers, in such amount or amounts as the agreement
may provide, provided the amount(s) of such charges are customary
and reasonable for checks that are returned unpaid.
(viii) Termination fees - a charge in such amount or amounts
as the agreement may provide to terminate revolving credit plan.
(ix) Charges incurred in connection with real estate secured
transactions - in the case of revolving credit secured by real
estate such additional charges as outlined in item (3)(c) of this
regulation may also be collected within the limitations stated
therein.
(b) Closed-end Credit - with respect to a borrower, a lender
may charge, collect, or receive one or more of the following fees
for loans subject to the provisions of Subchapter III, Chapter 22,
Title 5 of the Delaware Code:
(i) Fees for services rendered or reimbursement of expenses -
reasonable fees for services rendered or for reimbursement of
expenses incurred in good faith by the licensee or its agent in
connection with such loan, including without limitation, commitment
fees, official fees and taxes, premiums or other charges for any
guarantee or insurance protecting the licensee against the borrowers
default or other credit loss, or costs incurred by reason of
examination of title, inspection, recording and other formal acts
necessary or appropriate to the security of the loan, filing fees,
attorney's fees, and travel expenses. In the event a borrower
defaults under the terms of the loan, the licensee may, if the
borrower's account is referred to an attorney (not a regularly
salaried employee of the licensee) or to a third party for
collection and if the agreement governing, or the bond, note or
other evidence of, the loan so provides, charge and collect from the
borrower a reasonable attorney's fees. In addition, following a
borrower's default, the licensee may, if the agreement governing, or
the bond, note or other evidence of, the loan so provides, recover
from the borrower all court, alternative dispute resolution or other
collection costs (including, without limitation, fees and charges of
collection agencies) actually incurred by the licensee;
(ii) Deferral charges - a deferral charge may be assessed to
a borrower in accordance with an agreement to permit the borrower to
defer installment payments of a loan;
(iii) Delinquency charges - if the agreement governing the
loan so provides, a late or delinquency charge may be imposed upon
any outstanding unpaid installment payment or portions thereof under
the loan agreement which are in default; provided, however, that no
more than 1 such delinquency charge may be imposed in respect of any
single such installment payment or portion thereof regardless of the
period during which it remains in default; and provided further that
no such delinquency charge may exceed 5% of the amount of any such
installment or portion thereof in default;
(iv) Returned check charge - if the agreement governing the
loan so provides, a returned check charge may be assessed to
consumers for checks that are returned unpaid provided the amount(s)
of such charges are customary and reasonable.
(v) Charges incurred in connection with real estate secured
transactions - in the case of closed end credit secured by real
estate such additional charges as outlined in item (3)(c) of this
regulation may also be collected within the limitations stated
therein.
(c) Real Estate-Secured Transactions - with respect to a
borrower, a lender may charge, collect, or receive one or more of
the following fees and charges subject to the limitations herein,
for loans subject to the provisions of Subchapters II (Revolving
Credit) and III (Closed-End Credit), Chapter 22, Title 5 of the
Delaware Code when such loans are secured by real estate:
(i) Loan origination points - points charged to the borrower
on the lender's behalf for any purpose other than to reduce the
periodic interest rate applicable to the mortgage loan may not
exceed 10% of the principal amount of the loan. Such points may be
deducted from the gross proceeds of the loan. For purposes of this
regulation "gross proceeds" is the amount financed as defined in
Federal Reserve Regulation Z;
(ii) Loan discount points - points charged to the borrower as
a function of rate for the purpose of reducing the periodic interest
rate applicable to the mortgage loan. Such points may be deducted
from the gross proceeds of the loan;
(iii) Property-appraisal fees - property appraisal fees shall
be limited to the amount paid to a third party for such appraisal
and shall be limited to those amounts that are customary and
reasonable;
(iv) Credit-report fees - credit report fees shall be limited
to the actual cost of the report if paid to a third party, not an
employee of the lender or affiliate. Such amounts shall be customary
and reasonable;
(v) Mortgage loan broker compensation fees - mortgage loan
broker compensation may be deducted from the gross proceeds of the
loan. Such amounts shall reasonably reflect the value of the goods,
services and facilities provided;
(vi) Tax certification and service fees - fees for
agreements to provide certification of the current tax status of the
property as well as fees for ongoing monitoring and notice to the
lender of all tax and improvement lien payments as they become due
shall be limited to those amounts actually expended for such
purposes. Such amounts shall be customary and reasonable;
(vii) Flood hazard certification or determination fees -
determination fees may be charged for determining whether the
property is or will be located in a special flood hazard area. This
fee may also include the cost of life-of-loan monitoring. Such
amounts shall be customary and reasonable;
(viii) Title abstract/search/examination and title-insurance
premiums - title insurance and/or cost of a title-certificate
search, examination, and binder shall be limited to those amounts
actually expended for such purposes. Such amounts shall be
customary and reasonable and may, at the borrower's discretion,
include owner's coverage in addition to lender's coverage;
(ix) Legal fees - legal fees incurred in securing or closing
a loan shall be limited to amounts actually paid to an attorney not
in the employ of the lender, its parent, or affiliate, and such
charges shall not exceed those which are customary and reasonable;
(x) Recording/satisfaction fees - recording/satisfaction fees
shall be limited to those actually expended by the lender to any
governmental authority for protection of interest in collateral
tendered. The State Bank Commissioner may approve the payment of
alternative fees for this purpose provided the amount of said fee
(payable by the borrower) shall not exceed the amount which would be
payable to any governmental authority for protection of interest in
collateral tendered;
(xi) Property-survey fees - property survey fees to obtain a
drawing that delineates the exact boundaries of a property,
including lot lines and placement of improvements on the property,
shall be limited to those amounts actually expended for such
purposes. Such amounts shall be customary and reasonable;
(xii) Pest-inspection fees - pest inspection fees to cover
inspections for terminates or other pest infestation on the property
shall be limited to those amounts actually expended for such
purposes. Such amounts shall be customary and reasonable;
(xiii) Fees incidental to loan closing - other fees and
charges including but not limited to: odd days interest,
hazard and mortgage insurance premiums, escrow reserves, lender's
inspection fees, mortgage insurance application fees, assumption
fees, underwriting fees, document preparation fees, settlement or
closing fees, notary fees, funding fees, fees for lead based paint
or other inspections and overnight mail fees may be charged and such
amounts shall be customary and reasonable;
(xiv) Prepayment penalties - a charge in such amount or
amounts as the agreement so provides imposed in connection with the
payoff and termination of a revolving credit plan or closed end loan
secured by real estate;
(xv) Notwithstanding the provisions of this item (3)(c) of
this regulation, Licensed Lenders who are making mortgage loans
pursuant to the rules, regulations, guidelines and/or loan forms
established by the State of Delaware or federal governmental or
quasi-governmental entity (including, without limitation, the
Federal Housing Administration, the Government National Mortgage
Association, the Federal National Mortgage Association and the
Federal Home Loan Mortgage Corporation) shall be permitted to charge
and collect any fees, charges or sums prescribed to be charged and
collected in connection with a mortgage loan originated pursuant to
a lending program conducted or supervised by any such entity. |
