Privacy Policy | Urgent Car Credit

Last Updated: October 26, 2023

Welcome to Urgent Car Credit (www.urgentcarcredit.com).

Your privacy is of paramount importance to us. This Privacy Policy explains how Urgent Car Credit (“we,” “us,” or “our”) collects, uses, shares, and protects the personal information you provide when you visit our website and use our services, particularly when you complete our online credit application to secure an automotive loan.

By accessing our website and submitting your information, you consent to the data practices described in this policy.

1. Information We Collect

We collect information that helps us process your application for automotive financing and provide you with relevant services. This includes:

  • Personal Identifiers: Name, address, email address, telephone number, date of birth, and Social Security Number (SSN).

  • Financial Information: Employment history, income details, bank account information, and other data necessary for a credit decision.

  • Credit Application Data: Information about the vehicle you wish to purchase, desired loan amount, and co-applicant information (if applicable).

  • Technical Data: When you visit our website, we automatically collect information such as your IP address, browser type, device information, and pages you viewed through cookies and similar tracking technologies. This helps us improve our website functionality and security.

2. How We Use Your Information

We use the information we collect for the following primary purposes:

  • To Process Your Application: To evaluate your eligibility for an automotive loan and to facilitate the financing process.

  • To Obtain Financing: To share your information with potential lenders, financial institutions, and dealerships within our network to secure loan offers on your behalf.

  • Credit and Identity Verification: To verify your identity and obtain your credit report from credit bureaus to assess your creditworthiness.

  • To Communicate with You: To contact you regarding your application, to provide customer service, and to respond to your inquiries.

  • To Improve Our Services: To analyze website usage and improve the content and functionality of our website.

  • Legal and Regulatory Compliance: To comply with applicable laws, regulations, and legal processes, particularly those governing financial transactions in the State of Wisconsin.

3. How We Share Your Information

We do not sell your personal information to third-party marketers. We may share your information with the following entities only as necessary to secure your auto loan:

  • Lenders and Financial Institutions: We share your application with our network of affiliated and non-affiliated lenders to find the best possible financing options for you.

  • Automobile Dealers: We may share your information with partner dealerships to help you find a vehicle and finalize your purchase.

  • Credit Bureaus: To obtain your credit history and score as part of the standard loan underwriting process.

  • Service Providers: We may use third-party vendors to help us with services like data analysis, marketing, and customer support. These partners are contractually obligated to keep your information confidential and secure.

  • Legal Obligations: We may disclose information if required by law, such as to comply with a subpoena, a similar legal process, or to protect our rights, property, or safety, or the rights, property, or safety of others.

4. Your Choices and Rights

  • Access and Correction: You have the right to access the personal information we hold about you and to correct any inaccuracies. You can update much of your information by contacting us directly.

  • Opt-Out of Marketing Communications: You may opt-out of receiving marketing emails from us by following the unsubscribe instructions included in each email.

  • Do Not Track: Our website does not currently respond to “Do Not Track” signals from browsers.

5. Data Security

We implement a variety of administrative, physical, and technical security measures designed to protect your personal information from unauthorized access, use, or disclosure. These measures include Secure Sockets Layer (SSL) encryption for data transmitted through our online application and secure storage systems. While we strive to protect your information, no method of transmission over the Internet is 100% secure, and we cannot guarantee its absolute security.

6. Wisconsin-Specific Provisions

As a Wisconsin-based company, we adhere to state and federal laws governing the privacy of financial information, including the Gramm-Leach-Bliley Act (GLBA). This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page and update the “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Urgent Car Credit
Email: support@urgentcarcredit.com