Privacy Notice/Your California Privacy Rights

CrediReady PRIVACY NOTICE — IMPORTANT — PLEASE READ

This website is operated by CrediReady (“CrediReady,” “We,” “Us,” or, “Our”). This privacy notice (the “Privacy Policy”) discloses the information gathering and dissemination practices for the CrediReady website, mobile applications, electronic services, and social networking sites (collectively, the “Site”). We provide this policy to help you understand how we treat the information collected and how such information is used and shared.

Please note that by using this Site and our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms described in this Privacy Policy, please do not provide us with your personal information or interact with the Site.

Please also review our Terms of Use, which govern your use of the Site.

What information does the Site obtain?

User Provided Information – When you register with us or use the Site, you may provide us certain information voluntarily. This may include: (a) your name, mobile or residential phone number, zip code, e-mail address, postal address, date of birth, gender, answers to survey questions and other registration information; (b) transaction-related information, such as when you enter sweepstakes, respond to any offers, or download or use applications from us; (c) information you provide us when you contact us; (d) information you enter into our system when using the Site, such as contact information which is clearly labeled at the time you submit it; and (e) information you post on our Site.

Information Provided Through a Social Network – You may also be able to register and log in to the Site using your account from a social media network, such as Facebook, Google +, or Yahoo!. When you connect with us using your social media account, you give us permission to collect and store specified data from that social media account, which may include your public profile information, name, profile picture, gender, birthday, e-mail address, friends list, and current city. The information we obtain from these third-party services may vary depending on your personal settings or their privacy policies. You can control the information we receive from these social media networks using the privacy settings on your social media account. We use this information in order to provide our services, to present offers that are relevant to you, and to personalize your experience and your posts on the Site.

Automatically Collected Information – When you use the Site, we automatically collect certain information from you, such as Internet addresses, browser type, Internet Service Provider (ISP), referring and exit page, operating system, timestamps, clickstream data, the type of mobile device you use, your mobile device’s unique device ID, the IP address of your mobile device, and your mobile operating system. We also track and analyze non-identifying and aggregate usage and volume statistical information from our visitors and customers. This information is logged and used for purposes such as to help diagnose technical problems and to administer our Site so that we can constantly improve it.

Cookies. Cookies are small data files placed in your browser. Cookies transmit information such as session ID, user ID, and conversion data. This information helps website providers recognize a browser or mobile device and helps us gather information such as how many users have visited our site and which pages and advertisements have been seen and clicked on. We use first-party cookies and third-party cookies together to report ad impressions, other uses of ad services, and interactions with ad impressions related to your visit to our Site. Such information is used to tailor your experience on our Site.

Third-Party Analytics. We may collect certain information via third-party analytics services and data providers, which may collect your non-sensitive user information. This may include: the information you provide us, your session ID, your user ID, and conversion data. This information provides us with tools to calculate the numbers and frequency of visitors on the Site and to understand how you and other users use the Site so to improve your experience.

  • Google Analytics. We enable Google Analytics to support Display Advertising. We have implemented the following Google Analytics features to support Display Advertising: Remarketing, Google Display Network Impression Reporting, DoubleClick Campaign Manager integration, Google Analytics Demographics and Interest Reporting. You may opt out of Google Analytics for Display Advertising and customize Google Display Network advertisements at http://www.google.com/settings/ads.
    • Remarketing with Google Analytics. We use Remarketing with Google Analytics to advertise online. Third-party vendors, including Google, may show our ads on sites across the Internet. Both ourselves and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on your past visits to our website.
    • Google Display Network Impression Reporting and DoubleClick Campaign Manager integration. Both ourselves and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to report how our ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to our site.
    • Google Analytics Demographics and Interest Reporting. We use data from Google’s Interest-based advertising or third-party audience data (such as age, gender, and interests) with Google Analytics to match you with the right message and show you advertisements that are more relevant to your interests.
  • Data Providers. We may work with data providers who may collect web log data from you (including IP address and information about your browser or operating system), place, or recognize a unique cookie on your browser to enable you to receive customized ads, personalized e-mail or content. Such cookies do not contain any personally identifiable information, but reflect de-identified demographic or other data linked to the data you voluntarily submitted to us (e.g. your e-mail address that is shared solely in hashed, non-human readable form).
  • Criteo. We work with Criteo to personalize ads for visitors to enhance their browsing experience. To learn more or opt out of Criteo email, visit: http://privacy.criteoemail.com/us/privacy-policy.html.

How is the obtained information used and shared?

We will not rent or sell your Personal Information to other companies or individuals, unless we have your consent. We may use or disclose such information in any of the following limited circumstances:

We have your consent.
We need to enforce our Terms of Use.
We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this Policy and appropriate confidentiality and security measures.
We provide such information to third parties who have entered into non-disclosure agreements with us.
We provide such information to a company controlled by, or under common control with, CrediReady for any purpose permitted by this Policy.
We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
We believe it is necessary to share Personal Information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of CrediReady’s Terms of Use, or as otherwise required by law.
We transfer Personal Information about you if CrediReady is, or its assets are, acquired by or merged with another company.

We may share aggregated information with others without further notice. An example of this would be the number of people who used the Service in a given month, or the total number of texts sent in a given week.

Emails & Newsletters: When submitting any information on our website you expressly authorize CrediReady and Affiliates to use your personal information as explained in this privacy policy, and you consent to receiving commercial email from CrediReady and Affiliates. You can expect to receive offers regarding specific products and/or services, newsletters, sweepstakes announcements, promotions, and other similar offers. Should you wish to discontinue receiving these e-mails simply unsubscribe using the link in the email you receive.

Other Data Sharing: In addition, we may share information that we collect with our vendors or service providers who help us operate our business; in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our web site users, or others; or to enforce our website terms and conditions or other agreements or policies. We may also transfer any data we collect in connection with a corporate change such as a merger, our acquisition by another company, or a partial or total sale of our assets (including as part of a bankruptcy proceeding).

What are my opt-out rights?

  • CrediReady Newsletter: You may unsubscribe by clicking the link in the email you receive or by clicking here:Unsubscribe. You may also unsubscribe by sending an e-mail to hello@crediready.com.
  • Tracking and Advertising: At this time, when we collect information from you for the purpose of tracking your online activities over time and across third-party websites or online services, we do not respond to “Do Not Track” signals or frameworks requesting an alteration to our online tracking of individual users who visit our Site or use our services. Our Site may include third party advertising and links to other websites. We may work with third-party advertising networks and advertisers who help deliver these ads to you and who may collect information about your browsing activity over time and across different sites in order to make this advertising more relevant. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information we or the online advertising network serving the ad collect about your online activities here and elsewhere over time. To opt out of these types of ads, please visit the Network Advertising Initiative for information about how to opt-out of interest-based advertising by their members. See http://www.networkadvertising.org for general information about the NAI and http://www.networkadvertising.org/managing/opt_out.asp for the opt-out page. You may also visit http://www.aboutads.info/consumers/ to learn about online behavioral advertising and how to opt-out from online behavioral ads served by some or all participating companies.
  • Cookies: Information we collect through cookies and other technologies that does not by itself identify you is used to assist us in delivering you relevant ads when you are on a webpage. We also use cookies to improve the performance of our advertising on other websites. Although you may not opt out of receiving online advertisements generally, you may control the collection of data on our Site used for targeted CrediReady advertising during your visits to other websites. To opt-out of CrediReady data collection for targeted advertising on other sites, please read the instructions found here: Opt-out. To learn more about interest-based advertising by third parties that may collect data on our Site and to learn about choices available from companies that participate in industry self-regulation, you can visit http://www.aboutads.info.
  • Google Analytics: You may opt out of Google Analytics for Display Advertising and customize Google Display Network advertisements at http://www.google.com/settings/ads.

Your California Privacy Rights

We may make your personal information available to third parties for their marketing purposes as described in this Privacy Policy. We maintain the policy of only disclosing such personal information to third parties with your affirmative consent. If, however, you no longer wish to share your personal information in this way, please send your request in writing to:

CrediReady
Attn: Legal Department
10525 Vista Sorrento Pkway Suite 102
San Diego, CA 92121
hello@crediready.com

Data Retention Policy, Managing Your Information

We will retain User Provided data for as long as you use the Site and for a reasonable time thereafter. If you’d like to access, update, or delete User Provided Data that you have provided via the Site, please contact us at hello@crediready.com or the address below and we will respond in a reasonable time. Before we are able to provide you with any information, correct any inaccuracies, or delete any information, however, we may ask you to verify your identity. Please note that some or all of the User Provided Data may be required in order for the Site to function properly, and we may be required to retain certain information by law.

Security

We take reasonable and appropriate measures to help prevent the loss, misuse, and alteration of your information by carefully limiting access to the database in which your personal information is stored. Even though we follow reasonable procedures to try to protect the information in our possession, no security system is perfect and we cannot promise, and you should not expect, that your information will be secure in all circumstances.

Children

The Site is not directed to children under the age of 13 and we do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently received personally identifiable information from someone under the age of 13, we will delete such information from our records.

Minors

Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Links to Other Sites

Our Site may contain links to other sites whose information practices may be different than ours. We do not have control over the information that is submitted to, or collected by, these third parties. You should consult the privacy policy of these other sites to learn how your privacy is protected.

Your Consent

Please note that by using the Site, you agree to the terms of this Privacy Policy. If you do not agree with the practices described in this Privacy Policy, please do not provide us with your personal information or interact with the Site. Your assent to these practices is essential for us to continue operating this website, including the services it provides. Similarly, we need you to provide accurate personal information so that you can be contacted and receive the information you request. You can opt-out and decide not to provide the requested personal information. However, by doing so, you will not receive the information and/or service you are requesting.

Lender Specific Information

Your Finance Application may be shared with up to five participating dealers, lenders and other third parties. You consent to be contacted by these partners on any provided phone number by autodialer, text, and/or prerecorded messages:

  • DriveTime
  • 1800CARSHOW
  • Detroit Trading

Contact Us

To reach the owner of this website, contact:

CrediReady
Attn: Legal Department
10525 Vista Sorrento Pkway Suite 102
San Diego, CA 92121
hello@crediready.com

Changes to this Privacy Notice

We may make modifications to this Privacy Policy from time to time. If we make any material changes, we will notify you of such changes by posting the new policy on the Site or by sending you an e-mail. If you continue to use the Site after modifications, your continued use will constitute as acceptance of the changes and you agree to be bound by the revised Privacy Policy. Review our Privacy Policy regularly so that you can stay informed of our practices, as they may change in the future.

Last Updated on September 11, 2017