Please read these terms and conditions of use carefully before using this web site.
Your use of creditautoexpress.io depends on your acceptance, without
modification, of the following terms and conditions (the "Terms and
Conditions"). By using creditautoexpress.io you accept these Terms and
Conditions.
Modifications of the Terms and Conditions
creditautoexpress.io may, in its sole discretion and for any reason,
modify, supplement or amend these Terms and Conditions without any
notice or liability to you or any other person, by posting revised Terms
and Conditions on the creditautoexpress.io web site. Your continued use of
the creditautoexpress.io website signifies your acceptance of such revised
Terms and Conditions. View the website to review the most recent version
of the Terms and Conditions.
How We Work
When you submit an application to creditautoexpress.io (the
"Application") we work together with service providers to process your
Application. We do not arrange for or facilitate credit. We will release
some or all of the information in your Application to these service
providers in order to locate an appropriate credit provider for you.
Authorization
By submitting an Application to creditautoexpress.io, you certify that
all information which you provide in the Application is true and
complete and you authorize creditautoexpress.io or our agents or affiliates
to:
- obtain any and all credit information concerning your Application from any sources which creditautoexpress.io deems appropriate;
- obtain consumer credit reports from one or more credit
reporting agencies in connection with the administration of your
Application;
- communicate with you in-person, by telephone, mail, email, text or any social media platforms;
- provide reports to you on the status of your Application,
including information concerning whether you pre-qualify for a loan or
not, which lender's loan offer (if any) you choose to accept, or whether
your Application for credit is denied; and
- sell or otherwise disclose information concerning your
Application, including your personal information, to one or more persons
or organizations, affiliates, credit reporting agencies, or wholesale
lead providers, any or all of whom may conduct independent searches
using the information disclosed in your Application for the purpose of
processing a d facilitating your Application.
You can withdraw your consent to being contacted by
creditautoexpress.io at any time by notifying us at [email protected] or by
using the unsubscribe option on any of our electronic messages.
Links
creditautoexpress.io does not warrant the authenticity or reliability
of the websites linked to the creditautoexpress.io website and is not
responsible for the contents of any linked website. The inclusion of a
link on the creditautoexpress.io website does not constitute endorsement of
the linked website by creditautoexpress.io. Use of any such linked website is
at the user's own risk.
Minors
This website is not intended for use by minors. If you are under
the age of majority in your jurisdiction, you may only use the
creditautoexpress.io website, or any services provided in conjunction with the
website, under the supervision of an adult. creditautoexpress.io does not
knowingly collect personal information from minors. Use of this website
is void where prohibited by applicable law.
Restricted Access
In its sole discretion, in addition to any other rights or
remedies available to creditautoexpress.io, and without any liability
whatsoever, creditautoexpress.io may at any time, without notice to you,
terminate or restrict your access to any component of creditautoexpress.io.
Governing Law
This use of the creditautoexpress.io website and any claims against
creditautoexpress.io shall be governed by the laws of the Province of Quebec province law .
You consent and submit to the exclusive jurisdiction of the courts
located in the City of city Laval
, in the Province of Quebec province law , Canada, in
respect of all disputes arising out of or relating to the use of
creditautoexpress.io website and these Terms and Conditions.
Privacy Policy
Your privacy is very important to us. The following is our
privacy policy which describes how we keep your personal information
safe ("Privacy Policy").
creditautoexpress.io is committed to protecting the privacy and
security of your personal information obtained through your Application
and your customer relationship with creditautoexpress.io. Our Privacy Policy
outlines the types of personal information we collect, how it is used,
and the steps we take to ensure your personal information is handled
appropriately. Our Privacy Policy applies to the personal information
practices on the creditautoexpress.io website and through any interactions
with you.
Our Privacy Policy is designed to comply with the Personal
Information Protection and Electronic Documents Act (PIPEDA) and may be
amended from time to time. A copy of the most current version of our
Privacy Policy is available on our website or by contacting us using the
contact information provided on the creditautoexpress.io website.
Personal Information
Personal information is information about an identifiable
individual which includes your name, address, age, income, date of
birth, gender, financial information and credit records, as well as your
opinions, preferences and purchase patterns.
Examples of personal information creditautoexpress.io may collect, use
and disclose include your contact information, your financial
information and other information that you may provide to us through
your Application or otherwise or that we may obtain from third parties
in conjunction with your use of the creditautoexpress.io website and services.
Collecting Personal Information
creditautoexpress.io will collect personal information by lawful and
fair means and only with the knowledge and consent of the person
concerned. creditautoexpress.io will only collect personal information which
is relevant to the purposes for which it is to be used, to the extent
necessary for those purposes, and will take reasonable steps to ensure
the information is accurate, complete, and up-to-date.
Using and Sharing Personal Information
creditautoexpress.io may use or share your personal information and Application to:
- obtain any and all credit information concerning your Application from sources which creditautoexpress.io deems appropriate;
- obtain consumer credit reports from one or more credit
reporting agencies connection with the administration of your
Application;
- communicate with you in-person, by telephone, mail, email, text or any social media platforms;
- provide reports to you on the status of your Application,
including information concerning whether you pre-qualify for a loan or
not, which lender's loan offer (if any) you choose to accept, or whether
your Application for credit is denied; and
- sell or otherwise disclose information concerning your
Application, including your personal information, to one or more persons
or organizations, affiliates, credit reporting agencies, or wholesale
lead providers, any or all of whom may conduct independent searches
using the information disclosed in your Application for the purpose of
processing and facilitating your Application.
Protecting Your Personal Information
creditautoexpress.io protects your personal information by reasonable
security safeguards against loss or theft, as well as unauthorized
access, disclosure, copying, use or modification and take all necessary
security measures necessary to ensure that personal information is
handled and stored in a confidential and secure manner. We review our
procedures and security measures regularly to ensure that they are
properly administered and remain effective and appropriate for the
sensitivity of the information.
Sharing Your Personal Information
When your personal information is transferred to or shared with a
third party, creditautoexpress.io requires the third party to protect the
information in a manner that is consistent with this Privacy Policy.
Third parties are required under their contracts with creditautoexpress.io to
maintain your confidentiality and may not use your information for any
unauthorized purpose. If creditautoexpress.io is required by law to provide
information, reasonable steps will be taken to verify the lawful
authority for the collection and we disclose only the information that
is legally required.
Retaining your Personal Information
Subject to any legal or accounting requirements, we will retain
your personal information only as long as necessary to fulfill the
purposes for which it was collected. Personal information that is no
longer required will be destroyed, erased or made anonymous, although
copies of deleted information may continue to exist on back-up media.
Contacting You
By accepting the terms of this Privacy Policy, you consent to
receiving in-person communications, mail, emails, text messages, phone
calls, or contact via social media platforms about additional products
and services from us or any of our agents or affiliates. If you choose
to unsubscribe to our e-mail list, it will not be regarded as a
withdrawal of consent. Likewise withdrawing consent directly with the
persons or organizations to whom your Personal information has been sold
and/or disclosed will not withdraw the consent that you are providing
to us by accepting this Privacy Policy.
Accessing your personal information stored by us
You have the right to access, update and correct inaccuracies in
your personal information in our custody or control. To access your
personal information, a request must be submitted in writing to us at
the address provided in the "Contact us" section of this website. We
will respond to your request for access or information in a reasonable
time. There may be times when we are unable to fulfill your request -
for example, if providing access to your personal information would
reveal confidential commercial or proprietary information or personal
information about someone else (and we are unable to separate your
data), or if we are prohibited by law from disclosing the information.
We may request certain personal information for the purposes of
verifying the identity of the individual seeking access to their
personal information records.
Responding to Privacy Concerns or Complaints
creditautoexpress.io will respond in a reasonable time to your
questions, concerns and complaints about the privacy of your personal
information and our privacy policies and procedures. We will investigate
and respond to any concern you have regarding the handling of your
personal information.
creditautoexpress.io has designated a privacy officer ("Privacy
Officer") who is responsible for our compliance with this Privacy
Policy, and for ensuring that information about our policies and
practices relating to the management of personal information is easily
accessible. All questions or concerns regarding this Privacy Policy or
our compliance with it should be directed to the Privacy Officer in
writing, and sent by email to [email protected].