CPSAutoFinance takes
every measure to safeguard our customer's privacy.
Please take a few minutes to carefully review the privacy
policy we have developed to learn how we use the information
you provide us.
The following statement
is the Official Privacy Policy for CPSAutoFinance
and its affiliates. Our Policy applies to all personally
identifiable information about you that is obtained
for the purpose of providing all CPSAutoFinance services.
The Privacy Policy below details the guidelines we
maintain in using your personal, confidential information.
Please click on the link below to review each section.
I. Confidential Customer
Information
II. Shared Information
III. Gramm-Leach-Bliley
Act
IV. Security
V. Contact Information
I.
Confidential Customer Information
CPSAutoFinance receives
and utilizes personal information when a customer
agrees to use our services. Our policy is to keep
this information strictly confidential unless otherwise
authorized by you. The following are some examples
of personal confidential information we use.
- Information
from third party sources to verify the accuracy
of your information.
- Credit
reports obtained from credit bureaus and authorized
agencies, containing your personal credit history
from.
- Contact
information you submit to us, including: birth
date, mother's maiden name, social security number,
monthly income.
- Technical
information relating to how and when you visit
CPSAutoFinance. We uses "cookies" to
collect information about how our customers use
our site in order to better serve them. (please
see section VI. below)
- Employment
information from past employers and agencies
to verify employment history.
- Personal
financial records held with our dealer partners
and affiliates, including relevant financial
transactions, outstanding loan balance(s), payment
records and revolving credit terms.
II.
Shared Information
To successfully match
our customers with an appropriate lender and dealership,
we may share your personal information with one or
more of our "privileged parties." Privileged
parties include our affiliates, qualified dealerships
and other financial institutions authorized by CPSAutoFinance
to help provide auto financing for our customers.
Such privileged parties will have access only to
information pertaining directly for the purpose of
obtaining auto financing. The information provided
is also limited to the particular circumstance and
is shared under strict confidential terms to prevent
misuse. All CPSAutoFinance affiliates and partners
have likewise agreed to use the personal information
you have supplied only as intended and according
to our terms.
Privileged parties may include law enforcement agencies, government agencies
and credit bureaus as dictated by credit regulation and law. We do not
sell information about our customers, their accounts or transactions
to others for any other use without their expressed consent. Below are
the types of personal customer information we share with privileged parties:
- Customer information
provided to third parties involved in collecting
a past due account balance.
- Customer information
provided to our auditors in the event of a regulatory
or financial audit.
- Customer information
necessary to protect the confidentiality of your
account.
- Customer information
provided to law enforcement agencies in the event
of a suspected crime.
- Customer information
submitted to authorized credit agencies in accord
with fair credit reporting.
- Customer information
in compliance with a legal requirement such as
a court order or subpoena.
III.
Gram-Leach-Bliley Act
CPSAutoFinance upholds
strict standards in compliance with all state and
federal laws regulating the use personal financial
information. We take all physical and electronic
measures to safeguard our customer's personal information
and protect it against fraud and privacy violations.
CPSAutoFinance maintains compliance with the leading
customer information regulatory law, the Gramm-Leach-Bliley
Act.
Gramm-Leach-Bliley Act
CPSAutoFinance 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"),
in particular, as both relate to the disclosure
and protection of Non-Public Personal Information
("NPI") for customers with regard to
the authorized distribution and intended use
of customer's financial information to other
parties. CPSAutoFinance will substantially comply
with the GLB Act and Regulation P for all customer
NPI received, transferred or obtained from the
use of this site or from a party.
IV.
Security
CPSAutoFinance operates
secure data networks and servers protected by industry
standard firewall and password protection systems.
Our security and privacy policies are periodically
reviewed and enhanced as necessary, and only authorized
individuals have access to the information provided
by our users. Even your registration account password
is encrypted before it is sent to our computers.
CPSAutoFinance takes
several measures to ensure that your information
is treated securely and in accordance with state
and federal regulation. Unfortunately, no data transmission
over the Internet can be guaranteed secure. As a
result, while we strive to protect your personal
information, we cannot guarantee the security of
any information you divulge. We recommend that you
do not disclose your password to anyone. We will
never ask you for your password in an unsolicited
phone call or in an unsolicited email. You, the customer,
are ultimately responsible for the security of your
CPSAutoFinance user name and password.
V.
Contact Information
If you have any further
questions about our privacy statement, please feel
free to write to us: CPSAutoFinance, 16355 Laguna
Canyon Road, Irvine, CA 92618, Attn: Chief Privacy
Officer.
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