Privacy Policy and State Law Disclosures 

InterActive Financial Acceptance, LLC ("IFA") believes that privacy is a cornerstone of our customer relationship. In operating our business, we strive to find methods to guard personal identity and information by promoting the use of fair information practices. We have created this privacy policy to demonstrate our firm commitment to privacy and to inform you of our practices concerning the collection and use of the information that you provide to us. This policy applies to our consumers, customers and former customers, and we may amend this policy from time to time. If we make any substantial changes to this policy, we will notify you in accordance with our policies and applicable law.

We do not knowingly offer our services to minors, nor do we knowlingly collect information from children. Our application approval process is designed to identify applications submitted by children and to prevent their use of our web site(s).

Gramm-Leach-Bliley Act
IFA complies with the requirements of Title V of the Gramm-Leach-Bliley Act, 15 U.S.C. §6801 through § 6810 ("GLB Act"), and the Federal Trade Commission's implementing regulation, Regulation P, 16 C.F.R. Part 313 ("Regulation P"), as both relate to the disclosure and protection of your Non-Public Personal Information ("NPI").

Collection of Information
IFA or its authorized agents may collect and use personal information to respond to requests for our services or to provide information about our services that may be of value. Certain personal information we collect may be publicly available via government records, telephone books, or other widely available media, however we treat all information provided as NPI subject to the protections of the GLB Act and Regulation P. We collect personal information about you from a variety of sources, including:

1. Application Information (Information provided from loan applications and other forms such as names, addresses, telephone numbers, birthday, social security numbers, level of family income, employer's name, and employer's address);


2. Credit Reports (such as, information from consumer reporting agencies);


3. Correspondence (such as, information provided when communicating in writing, online or by phone with our customer service representatives); and


4. Marketing partners and publicly available databases (We receive information from our marketing partners, e.g., financial institutions, auto dealerships and other businesses and public databases which we use to help us serve our customers).

We use information that we obtain to evaluate auto loan applications, locate an appropriate auto dealer and/or lender for you, in order to provide high quality service, and prevent fraud. We may also use this information to confirm a your identity when you call us to inquire about your application or account.

Technical Information
We use technology to:

Security Safeguard Procedures

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your NPI, and employ a variety of security safeguards to protect information from loss, misuse, alteration or destruction. For example, you are only able to access information about your application or account by submitting the user name and password you created during registration. We provide access to your personal information to our employees and other authorized parties who have a "need to know" such information in order for us to provide our products and services to you. In addition, we require that all employees attend a privacy training program and sign a Confidentiality Agreement that indicates that they are aware of our privacy policy regarding the use and disclosure of information.

We also use Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from our web site(s). We maintain up-to-date firewalls and use anti-virus software that updates automatically.

Sharing of Information with Third Parties
We may disclose all of the information we collect (described above) to financial providers, such as banks, lenders, finance companies and auto dealers who provide financial products and services.. In particular, we disclose the information we collect to the following types of third parties: Our Finance Partners (auto dealerships that meet customer's criteria and and banks, lenders, and finance companies), and Credit Bureaus and Service Companies (companies that provide services to us in order to process your credit application). We disclose your information to these parties in so that you may obtain the credit you request. solely for the purpose of locating a vehicle that meet the customer's criteria and to obtain credit for the purchase of such vehicle. Outlined below is the information we share with each type of third party.

Other than as described above, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. However, subject to applicable law, we may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Storing of Information
We maintain electronic loan application information and hardcopy data. We also protect all personal information by storing the information on tapes at an offsite Data Warehouse. The Data Warehouse is not connected to our operations and the information it contains is used internally for reporting purposes.

Privacy Related Issues
We are committed to customer service and privacy. If you have any questions, comments or concerns regarding our Privacy Policy and its implementation, or you would like to report any known or suspected privacy or security breaches, please do not hesitate to contact our Security Compliance Officer at privacy@interactivefmg.com.

State Law Disclosures

California Applicants

California law provides that any credit applicant, if married, may apply for a separate account.

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.

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.

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.

Rhode Island Applicants

Credit reports may be obtained in connection with your application.

Vermont Applicants

By clicking "Apply Now", you are authorizing us and our Finance Partners to obtain your consumer report in order to evaluate your creditworthiness for the credit for which you are applying. You further authorize us and our Finance Partners, in connection with the same transaction or extension of credit, to obtain your consumer report for the purpose of reviewing the account, increasing the credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes associated with the account.

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.

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.

Introduction. You are submitting an electronic credit application for auto financing ("Application") to Interactive Financial Acceptance, LLC (“IFA”) , through either Carloan.com or one of IFA’s auto finance partners. By consenting to receive information electronically at our web site(s) or via email, you will receive certain information and disclosures electronically (“Documents”), including the following: Credit Application, State Law Disclosures, Privacy Policy, and notices of our credit decisions. This Consent for Electronic Documents informs you of your rights when receiving these Documents electronically. By consenting below, you acknowledge receipt of this Consent for Electronic Documents, and agree to the electronic delivery of Documents via the internet to the e-mail address designated on your Application.

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 which 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. With the exception of email communications and notices of our credit decisions, you may withdraw your consent to receive your Documents electronically at any time by contacting us by email at info@carloan.com. In these circumstances, we will continue the financing 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 except as provided in this paragraph, 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 us by email at info@carloan.com and request a copy at no charge.

Updating Your Contact Information. To update your electronic or mailing address, contact us by email at info@carloan.com.

CONSENT AND ACKNOWLEDGMENT. BY CHECKING THE BOX BELOW, YOU CERTIFY THAT:

1. YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY, AND ACCESS AND RETAIN ANY DOCUMENTS RECEIVED;


2. YOU HAVE (OR HAVE ACCESS TO) A DESKTOP OR LAPTOP PERSONAL COMPUTER WITH A WEB BROWSER THAT SUPPORTS, AT A MINIMUM, 128 BIT ENCRYPTION;


3. YOU HAVE THE ABILITY TO RECEIVE AND READ EMAIL;


4. YOU AGREE TO RECEIVE DOCUMENTS ELECTRONICALLY AND CONFIRM THAT YOU WILL DOWNLOAD OR PRINT DOCUMENTS FOR YOUR RECORDS;


5. YOU ACKNOWLEDGE THAT YOU CAN ACCESS INFORMATION THAT IS PROVIDED ELECTRONICALLY AT THIS WEB SITE AND THE WEB SITE(S) AT WHICH YOU SUBMIT THIS APPLICATION;


6. YOU ACKNOWLEDGE THAT SUCH ACTION CONSTITUTES YOUR SIGNATURE TO THE CREDIT APPLICATION;


7. YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS PURSUANT TO THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND INTEND THIS STATUTE TO APPLY TO YOUR TRANSACTIONS WITH US TO THE FULLEST EXTENT POSSIBLE.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.