Privacy

This Privacy Policy was last updated in January, 2013

We at DesMoinesAutoFinance.com (“DesMoinesAutoFinance.com,” “we” and “us”) are committed to protecting your privacy online, and have designed our business practices to safeguard your privacy. This privacy policy (“Privacy Policy”) applies to your information that we collect and receive; it does not apply to practices of businesses that we do not own or control or to people we do not employ. Therefore, we are not responsible for the privacy practices or the content of such other businesses.

You can visit the DesMoinesAutoFinance.com website located at www.DesMoinesAutoFinance.com (the “Site”) without revealing who you are or providing any personal information about yourself. You agree to this Privacy Policy, in its entirety, when you: (1) access or use the Website; (2) agree to receive e-mail from us via the Website, or any other means; and/or (3) obtain, or attempt to obtain, any DesMoinesAutoFinance.com products and/or services.

Browsing the Site

If you browse through the Site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access the Site, the date and time that you access the Site, the pages that you visit (click-through) and, if you visited the Site from a link placed on another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the Site.

Cookies

We may also place “cookies” on your personal computer when you are browsing the Site, or otherwise. “Cookies” are small identifiers sent from a web server and stored on your computer’s hard drive, similar to a license plate, that help us to recognize you if you visit the Site again. Also, the Site uses cookies to track how you found the Site. Cookies are not designed to get data from your hard drive, your e-mail or any other personal data about you. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet. To find out more about Cookies, please visit www.cookiecentral.com. You can reject cookies by changing your browser settings. Please note, however, that if you reject our cookies it is possible that some Site pages may not properly load, your access to certain information might be denied or you might have to enter information about you more than once.

Third Party Advertising

We use third-party advertising companies to serve ads when you visit our Site. These companies use non-personally identifiable information regarding your visit to this Site and other websites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad (but not your name, address, or other personal information), to serve ads to you on this Site and other websites which may interest you. In the course of serving advertisements to this Site, our third-party advertiser may place or recognize a unique cookie on your browser.

Third Party Links

We do not endorse, nor are we responsible for the accuracy of, the privacy policies and/or terms and conditions of each of the third party sellers that may advertise at the Site. The entities that advertise and/or place banner ads at the Site including, but not limited to, these third party sellers, are independent third parties and are not affiliated with us.

Information Collection and Use

There will be times, such as when you communicate with us by e-mail, submit an application, request a quote, enter a contest or sweepstakes, purchase a product, etc., when we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include, but is not limited to: (a) your full name; (b) home address; (c) e-mail address; (d) home and mobile telephone numbers, (e) your occupation, employer name, employer phone number and time spent at your current job; (f) monthly income estimate; (g) whether you have declared bankruptcy in the prior seven (7) years; (h) whether you have a cosignor available, if needed; (i) housing status (rent, own, neither, etc.); (j) time spent at your current residence; (k) monthly mortgage payment/rent, as applicable; and (l) your Social Security Number. For purposes of this Privacy Policy, items (e) through (l) in the preceding sentence shall be considered “Sensitive Information.”

Any personal information that you submit at the Website remains your property. However, by submitting that information to us, you grant to us the right to use your personal information, subject to applicable state and federal law, for any legal purpose including, without limitation: (a) transferring your personal information to a third party seller to effectuate a purchase from such third party seller for products and/or services that you applied for at the Website; (b) marketing purposes, such as sharing your information (other than your Financial Information) with third party sellers; (c) providing promotional offers to you by means of e-mail advertising, SMS text-based marketing, telemarketing, direct mail marketing, pop-ups, pop-unders and/or online banner advertising; (d) tracking compliance with our Terms and Conditions; and (e) for validation, suppression, content improvement and feedback purposes.

Without limiting the generality of the foregoing, when you register with DesMoinesAutoFinance.com and you leave the box checked stating, “I would like to be contacted about individualized credit counseling solutions (recommended),” you explicitly authorize us to share your data with other companies who will help you with such services as credit counseling, debt management, debt consolidation, and debt settlement.

You agree that we may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Site. We also reserve the right to release current or past member information in the event that we believe that the Site is being or has been used to commit unlawful acts, if the information is subpoenaed, to comply with any law, regulation, audit or court order, if we are sold or acquired or when we otherwise deem it necessary or appropriate. By agreeing to this Privacy Policy, you hereby consent to the disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the requirements of the CAN-SPAM Act of 2003, as amended from time to time. We may also combine information you provide us with information about you that is available to us internally or from other sources.

Notwithstanding the foregoing, we will not use your Financial Information for any marketing purposes, or transfer same to any third party, other than, and exclusively, to third party sellers where necessary to effectuate the purchase of products and/or services that you applied for.

In addition, you agree that by submitting your personal information at the Site, such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (“ATSR”), and as such we retain the right to contact you via telemarketing in accordance with the ATSR.

By submitting your personal information to DesMoinesAutoFinance.com, you agree to receive mobile marketing including, but not limited to, SMS text-message based marketing, from us. Notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. Further, you agree that we reserve the right to share, sell, rent, lease and/or otherwise distribute your mobile telephone number and other mobile data with/to any third-party for any and all non-marketing uses permitted by this Privacy Policy and applicable law.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications on our Site or other forms; Information about your transactions with us, our affiliates or others; and Information about you that we may receive from credit reporting agencies.
We may disclose all of the information that we collect, as described above, to financial institutions, dealership lender partners, local dealers and other third parties that provide financing referral services to explore financing options in order to process your request for the products and/or services featured on the Site. We also may disclose non-public personal information about you to non-affiliated third parties as permitted by law.

All information provided by consumers in any of the above-listed ways or otherwise may be used and disclosed as permitted in this Privacy Policy.

Information submitted to us in connection with a financing request is used to transmit the request to third parties who may be in a position to respond to your request. We do not provide financing, but instead transmit those requests to third-party vendors for consideration.

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you submit a financing application, your name, residential address, date of birth and Social Security Number will be used to verify your identity. In addition, as part of the request process, we may verify the information that you provide, or obtain omitted address or other contact information from third parties.

Opt Out

During registration and/or when you otherwise submit personally identifiable information to us at the Site, you have opted-in to request that we share your personal information (other than your Financial Information) with third parties to receive marketing communications. When contacted by any of these third parties, you should notify them directly of your choices regarding their use and sharing of your information.

DesMoinesAutoFinance.com may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to DesMoinesAutoFinance.com, as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.

Opting out of future offers or future communications from us.

Please contact us at contact@DesMoinesAutoFinance.com stating that you want to “OPT OUT” in the subject line and we will remove the email address that the email was sent from. Please ensure that it is the same email address that you used to apply for financing so we can ensure we opt out the proper email and data.

Updating or Deleting Your information

You may update or delete your information at any time prior to submitting any request to us. Once a request form is completed and submitted, you will not be able to change any of the information. Additionally, please be advised that once you have submitted your request and the information has been received by lender/brokers, dealers, or other third parties, this information is no longer under our control.

Security

All collected information is stored in a technically and physically secure environment. When our registration/application process asks users to enter sensitive information (such as Financial Information), and when we store and transmit such sensitive information, that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk.

Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees that need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all DesMoinesAutoFinance.com user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Changes to this Privacy Policy

We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Where you do not agree to any such changes, you must opt-out using the methods set forth herein.

Minors

We do not knowingly collect information from individuals under the age of eighteen (18). No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Contacting the Site

If you have any questions about our Privacy Policy, please feel free to e-mail your questions to us at
contact@DesMoinesAutoFinance.com.

Trademark and Copyright Information

Everything on our Site is copyrighted (unless otherwise noted) and may not be used except with our express written consent. Use of these images by you or other third parties is prohibited and may violate the copyright laws, trademark laws, privacy laws and other laws and regulations. Nothing contained on this Site may be construed as granting any license or right to use any of our trademarks or service marks without our prior written consent.

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