InterActive Financial Marketing Group Terms of Use

Gramm-Leach-Bliley Act

IFMG 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

IFMG 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:

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

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

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

Technical Information

We use technology:

• Gather technical information from Web browsers (IP address, operating system).




• Set cookies on your computer. "Cookies" are small computer files which are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. We use a cookie for each computer that visits its site. The cookie is integral to the customer experience and is necessary in order to use our online services. It allows us to customize the website presentation based on your accounts. While cookies can be disabled, if you choose to disable our cookie you will not be able to use some of our websites. We do not use cookies to collect information from hard drives or to collect personal identifiable information; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.




• Keep track of your application status through the use of "Action tags" (also known as Web Beacons, Trackers, or Bugs), which are invisible pixel.gif files placed on web pages that are used to track web navigation to those pages.

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.

Finance Partners

Credit Reporting Agencies

Service Companies

In order to provide quality service, we contract with service providers for the essential role of processing credit applications. We may disclose some or all of the information we collect to these service providers but only in order to assist you in obtaining the credit you've requested. All of our service providers have entered into a contract with us that forbids them from using information provided by us for any purpose other than this. CarFinanceNetwork.com takes security precautions to monitor the use of the information and prevent the use of the information for any other purpose. When we contract with organizations to provide services to our customers, we will require them to conform to our privacy standards and to allow us to audit them for compliance.

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

Privacy Related Issues