(Effective January 2018)

This Online Privacy Policy (“Policy”) applies to this United Auto Credit® Corporation (“United Auto Credit”) online sites (whether website or mobile) and any United Auto Credit® affiliates or subsidiary online sites that links to this Online Privacy Policy. In this Online Privacy Policy, “you” and “your” mean each customer and collectively all customers on an Account as defined below, and/or each user of the Website, as applicable; “we,” “us” and “our” mean United Auto Credit® and their agents and service providers as applicable; “Website” means www.unitedautocredit.net and any other United Auto Credit® websites and mobile applications; and United Auto Credit® websites, mobile applications, and social media accounts are collectively referred to in this policy as “Sites”.

Online Privacy Policy (applicable to all Website users)

1. General Privacy Statement

We respect your privacy and the confidential nature of the information that we gather during the course of our relationship with you. This Online Privacy Policy describes our policy regarding information received about you during visits to our Sites. By using these Sites, you consent to this Online Privacy Policy and any future amendments and additions.

2. Collection of Personally Identifiable Information

When you visit our Sites, we collect and store personal information (“Personal Information”) about you, from the information you provide us, which may include, but is not limited to:

  • Name;
  • Date of birth;
  • Mailing address;
  • Phone numbers;
  • E-mail address;
  • Account number; or
  • Social security number
3. Normal Website Usage and Cookies

In addition to the information described above, we may collect behavioral statistical information when you use our online services. When you connect to our online Sites, we may capture the IP address and device information, the type of operating system and browser you use, site you came from, your activity with our online services, and the site you visit next. We or our third-party partners may use cookies, web beacons or other technologies to collect and store information about your visit and use of our online services.

We may also use cookies and other online tracking technology such as clear GIFs. Cookies are pieces of information that a website transfers to an individual's computer or device for record keeping purposes so that we can track Website, and user activity. The use of cookies is an industry standard and you will find them at most websites. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, clear GIFs are typically one pixel, transparent images on a webpage, email or other messages, used to help recognize users, determine traffic patterns, measure Site engagement, and to gauge the effectiveness of certain communications.

4. How We Use Information

The information United Auto Credit® collects from and about you is used to increase your service and experience on our Sites. We may use your information:

  • To process and respond to your inquiries and requests;
  • To inform you about important information regarding the Sites, your account, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies, and/or other administrative information;
  • To personalize your experience on our Sites;
  • To allow you to apply for services and evaluate your eligibility for such services;
  • To verify your identity and/or location in order to allow access to your account, conduct online transactions, and to maintain measures aimed at preventing fraud and protecting the security of account and personal information;
  • For business purposes, including data analytics, audits, developing and improving products and services, enhancing Sites, and identifying usage trends;
  • For risk control and management, for fraud detection and prevention;
  • To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
  • To comply with applicable legal requirements.
5. Disclosure of Information

Please see the United Auto Credit Privacy Notice for information on how Personal Information may be shared and how you may be able to limit certain types of sharing.

6. Social Media Features

United Auto Credit® has official pages on social media platforms including, but not limited to, Facebook® and LinkedIn. Any content you post on official United Auto Credit® managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms is subject to the Terms of Use and Privacy Policies of those respective platforms. In addition, when you interact with us on social media platforms, we may collect your IP address, which page you are visiting on our Sites, and may set a cookie to enable the feature to function properly.

7. Do Not Track

Some internet browsers offer a "do not track" feature. When enabled, your browser sends a signal to the sites you visit directing the sites not to track your activity. There is no common understanding of how to respond to these signals. Therefore, currently our Website does not respond to "do not track" signals. If you do not wish to be tracked, disabling or deleting cookies may limit some forms of tracking. Disabling or deleting cookies may affect your user experience on our Website including preventing the usage of certain features or functions.

9. Changes to Our Online Privacy Policy

As permitted by law, we may change this Online Privacy Policy by posting a revised version of the policy to the Website. If the changes are material, we will provide notice of the changes on the Website prior to the changes becoming effective. We encourage you to periodically review the Website for information on our privacy practices related to the Website.

10. Children's Privacy

Our Sites are not directed to individuals under the age of thirteen (13) nor do we market our products or services to such children. We do not knowingly collect any data from children. Our products and services are not available to anyone who is not of legal age to enter into an enforceable contract.

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