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PRIVACY POLICY DISCLOSURE
Protecting the Privacy of Non-Public Personal Information
Respecting and protecting our customer's right to privacy is vital to our business. By outlining our Privacy Policy to you, you will better understand how we ensure your non-public personal information is kept private and secure while we use it to serve you better. Safeguarding our customer information is our top priority, and we are outlining the Privacy Policy of A Affordable Title Loans to help you understand how we handle, manage, and disclose your non-public personal information that we have collected. This notice also explains how you may limit our disclosing of certain personal information about you. The provisions of this Privacy Policy apply to current and former customers.
The Privacy Policy Explains the Following:
Who is covered by our Privacy Policy.
How we protect the confidentiality of our customer’s and their non-public personal information.
How we gather customer information.
The types of information we share, why, when and with whom.
Opting Out - how you can instruct us not to share certain information about you.
Protecting the Confidentiality of Customer Information:
We take our responsibility of protecting your confidentiality and privacy of your information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store, manage and secure information about you from unauthorized access, alteration, and destruction.
From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies with whom we contract may receive information about you, but they also must safeguard this information, and they may not use it for any other purposes except what it was intended for.
Who is Covered by our Privacy Policy:
All customers who conduct business with A Affordable Title Loans are covered under our Privacy Policy. From time to time we may change our Privacy Policies to allow us to share additional information we have collected about you. If we change our Privacy Policies, you will be notified in advance.
How We Gather Your Information:
As part of providing our customer with financial products or services, we may collect information about you from the following sources:
Credit applications, documents, forms, and other information that you provide to us, whether in writing, verbally, electronically, by telephone, in person, or by any other means. This information may include your name, address, date of birth, social security number, drivers license number, employment information, income, and credit references;
Your transactions with us or with others (such as your bank, creditors or employer). This information may include your account balances, payment history, account usage, and income;
Consumer reporting agencies or other firms which provide similar services, including but not limited to check verification services and credit history. This information may include account information and information about your credit worthiness;
Public sources. This information may include vehicle records, employment records, telephone numbers, property owned, etc.
The Information We Collect:
The type of personal information we collect may include your name, address, social security number, age, financial status, assets, income, tax information, transaction history, account balances, payment history, marital status, family relationships and other information.
We encourage you to contact us, at the phone number shown on your billing statement, if you believe any information we have regarding you is not correct, has changed or is incomplete.
The Information We May Share:
Information Sharing with Companies That Perform Services on our Behalf. We are permitted to disclose nonpublic personal information about you that we maintain or collect, as described above in the How We Gather Information section, to companies that perform services on our behalf or to other institutions with which we have joint marketing agreements (third parties). Third parties providing these services may include, among others, credit card issuers, finance companies, financial service providers, consumer reporting agencies, insurance agencies, government agencies, banks, mortgage companies, and other companies.
In order to protect your privacy, prior to disclosing your non-public personal information, we enter into a contractual agreement prohibiting our joint marketing partners from disclosing or using your non-public personal information for any other purpose other than to perform the services which the information was disclosed for.
Information Sharing with Non-Affiliated Companies. In order for us to provide you with efficient service and inform you of opportunities that may be of interest to you, unless you direct us not to, we may share part or all of the information that we have collected or maintain, as described above in the How We Gather Information section, with the following types of non-affiliated third parties, among others:
Credit bureaus and financial service providers, such as credit card issuers, finance companies, insurance companies, banks and mortgage companies.
Non-financial companies, such as marketing and advertising companies.
Please be aware that, even if you direct us not to share the information described above in the How We Gather Information section, we may disclose non-public personal information about you as required or permitted by law (e.g., to companies that perform services on our behalf, or to companies with which we have joint marketing agreements).
Other Circumstances. We may also share certain non-public personal information with non-affiliated third parties as permitted or required by law; and, the law does not permit you to opt out of such disclosure. For example, we may be required to provide information:
To our service providers who help us process your application and/or service your accounts
To consumer reporting agencies
To law enforcement officials
To regulatory authorities
To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability
To answer to a subpoena, court order or judicial process
To purchasers of your debt in the event of a default on your part
Opting-Out From Receiving Communications From VegasTitleLenders.com
You may opt-out from having your personal information used for certain purposes. If you no longer wish to receive any promotional or other communications from us, you may opt-out by following the instructions included in each email communication or by emailing us at optout@yourtitlelender.com.
Our Use of Cookies and Web Beacons
A cookie is a small file placed on the hard drive of your computer. Most websites use cookies. We will use cookies to track your use of the Website and the services and products we offer and sell, provide you with a more personalized user experience.
A web beacon is an often-transparent graphic image, usually no larger than a 1x1 pixel that is placed on a web page or in an e-mail that is used to monitor the behavior of the user visiting the Website or receiving the e-mail.
Cookies and web beacons used by us will not be linked to your personal information.
Application of Privacy Policy When You Access Third Party Websites.
You may be able to access third party websites directly from the Website. This Privacy Policy does not apply when you access third party websites. We cannot control how third parties may use personal information you disclose to them, so you should carefully review the privacy policy of any third party website you visit before using it or disclosing your personal information to its provider.
Children's Privacy.
We will not knowingly collect or use any personal information from children that we know to be under the age of 17. In addition, we will delete any information in our database that we know originates from a child under the age of 17.
If you are between the ages of 13 and 17, you, your parent, or your legal guardian may request that we deactivate any of your personal information in our database and/or opt-out from receiving communications from us. If you wish to do so, please contact us at childrenspolicy@yourtitlelender.com.
Privacy Policy Updates and Inquires:
As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time. However, if we do modify it, we will inform you prior to making any modifications.
For questions concerning our Privacy Policy, please contact us at (813) 902-9200
You may also mail your concerns to: A Affordable Title Loans, ATTN: Privacy Assurance Dept. P.O. Box 130061, Tampa, FL 33681.
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