Our Anti-Spam Policy tolerates only permission-based email – subscription to emails or information requested for; to be provided through email or phone. You may choose to opt-out of our mailing list. By checking the opt-in box when contacting us – through the forms available – you agree to be contacted by us for the purposes described in the Disclaimer. All emails sent to you will be compliant with CASL and will include:
• The option to opt-in to receive electronic communication in regards to our products and services
• The option to unsubscribe from receiving electronic communication
At any point in time you may opt out from receiving communication from us by – clicking the link at the bottom of our communications which indicates “unsubscribe” or call us to indicate not to receive calls for promotional purposes.
Collection of Information
EastCoastCarLoans.ca 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 we collect may be publicly available via government records, telephone books, or other widely available media however we treat all information provided as non-public. We collect personal information from a variety of sources, including:
1. Application Information (Information provided from loan applications and other forms such as names, addresses, telephone numbers, birthday , level of income, employer’s name, and employer’s address);
2. Correspondence (Information provided when communicating in writing, online or by phone with our customer service representatives); and
3. 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 clients).
We use information that we obtain to evaluate car loan applications, locate an appropriate auto dealer and/or lender for you, in order to provide high quality service, prevent fraud and, with the client’s consent, inform clients of services offered by third parties. We may also use this information to confirm a client’s identity when they call us to inquire about their application.
Sharing of Information with Third Parties
EastCoastCarLoans.ca may disclose personal information to the following types of third parties: (auto dealerships that meet customer’s criteria and financial institutions), Credit Bureaus and Service Companies (companies that provide services to EastCoastCarLoans.ca in order to process auto loan applications). Personal information is disclosed to the foregoing entities solely for the purpose of locating a vehicle that meet the client’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.
EastCoastCarLoans.caoffers its services in conjunction with auto dealerships, financial institutions and other businesses. When a customer completes a credit application with us for the purpose of locating a vehicle that meets their criteria and obtains credit for the purchase of such vehicle, the customer may agree to the sharing of information with that partner. The customer agrees that EastCoastCarLoans.ca and/or its auto dealers or lending partners may forward their application to other auto dealers or lenders for consideration. The customer authorizes any auto dealer or lender who receives their application to retain it, to rely on it and to obtain such other information as require, including credit reports, to complete the processing of their request for credit. The customer further authorizes that any auto dealer or lender who receives this application to inform EastCoastCarLoans.ca and its lending partners of their credit decision. These relationships are clearly stated in the application and by completing the application the customer agrees to permit EastCoastCarLoans.ca to share their information, which may include the applicant’s name, address, phone number, e-mail address, and other personal financial information with our partners. The customer will be notified of the auto dealership that will be servicing their auto loan application.
2. Credit Reporting Agencies
Companies involved in the loan process are a necessary part of the auto loan process. When a customer applies for credit, he/she agrees that we may request consumer credit reports from one or more credit reporting agencies in connection with their application and administration of the application. The customer may also authorize us to exchange credit information concerning their account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies.
3. Service Companies
In order to provide quality service, EastCoastCarLoans.ca contracts with service providers for the essential role of processing loan applications. We may disclose some or all of the information we collect to these service providers but only in order to obtain credit for the customer. All of EastCoastCarLoans.ca service providers have entered into a contract with us that forbids them from using information provided by EastCoastCarLoans.ca for any purpose other than providing the service for EastCoastCarLoans.ca customers. These service companies are required by law to adhere to federal and state privacy regulations. EastCoastCarLoans.ca 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.
EastCoastCarLoans.ca does not share any information with external merchants for the purpose of extending offers of goods and services without the customer’s consent. EastCoastCarLoans.ca does NOT use third party advertising companies to provide advertisements or allow third party advertisers to track web browsing activities on its web sites.
In addition, EastCoastCarLoans.ca does not knowingly offer its services to minors. Similarly, EastCoastCarLoans.ca does not collect information from children. Our application approval process is designed to identify applications submitted by children and to prevent their use of our websites.
Privacy Related Issues
EastCoastCarLoans.ca also uses Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing any personal information transmitted to or from EastCoastCarLoans.ca. We maintain up-to-date firewalls and use anti-virus software that updates automatically.
EastCoastCarLoans.ca uses technology to:
• Keep track of loan application statuses 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.