We might receive and collect the following information about you while you use our services: your name, email, phone number(s), address, the last four digits of you social security number, credit card number if you provide it, date of birth, employer information and income figures if you provide them, current loan/credit information, and vehicle information (“Information”). You may provide this Information when yougo through our loan application process; sign up for other products or services through Pacecar; when you provide Information to us through a third-party application, service or website; when you communicate with us regarding our services through email or other means; or when you participate in any of our marketing initiatives
Pacecar uses Information to provide the products and services you requested; provide you customer support; research and analyze other products and services that may save you money offered by Pacecar or others; to communicate with you via telephone, mobile devices, email or postal mail about products or services; to deliver relevant advertising; to analyze the effectiveness of Pacecar advertising and other efforts; and to otherwise conduct our business. In addition, we may disclose the information we collect as described above to companies that perform marketingservices on our behalf, with which we have joint marketing agreements, or with which we have other agreements that among other things require the safeguarding of your Information.
Links within the Pacecar site may take you to third party sites that are governed by their own privacy policies. When you use links to visit these sites, Pacecar’s privacy policies are no longer valid.
Lenders: Once you have submitted your information, Pacecar will begin the process of finding you the best possible interest rate from our lender base. Your Information is not sent to each lender in our network for review. Instead, your credit profile and needs are matched to the borrower profile established by our lenders and sent to those lenders first. By submitting an application to Pacecar, you consent to the use of your credit report for the purpose of obtaining a credit offer from one of our participating lenders.
To Comply with the Law: We may disclose Information we collect if we determine in our sole discretion that such disclosure is necessary to comply with the law, including disclosure to law enforcement agencies and other government agencies and disclosure responsive to subpoenas. We also may disclosure information we collect if we deem it necessary to protect the rights, property, or safety of Pacecar, our customers or others.
To Third-Parties: We may disclose your information to third party vendors that provide services to Pacecar to process your information for purposes of reviewing your loan application. Also, Pacecar may disclose your Information to third parties that are interested in contacting you or providing offers to you that may be related to our products and services or about products or services you may find of interest, and we may be compensated for such disclosure.
You can, at any time opt-out of our ability to share Information with unaffiliated third-parties that do not provide services to Pacecar for processing your loan application by contacting customer service at firstname.lastname@example.org.
Pacecar is headquartered in Menlo Park, CA and is licensed as a registered Broker under the California Finance Law. All lenders in the Pacecar network are well established FDIC-insured banks, credit unions, thrifts or licensed lenders.Protecting Your Personal InformationProtecting your privacy is important to us. We restrict access to non-public personally identifiable information about you to our employees and agents who need to know the information to provide products or services to you. We maintain physical, electronic, and procedural protections that comply with federal and state laws to safeguard your personal information. Because we recognize the importance of privacy where children are involved, we do not knowingly collect information from children.
It is important to remember that you have absolute control over the amount of personal information collected on this site. When you click on “Next” at each step inthe process, you affirmatively consent to Pacecar’s collection of Information for the application process.As Pacecar develops, it may sell or purchase other companies and/or assets. In such transactions, customer information is generally included in the transfer of business assets. In the unlikely event that Pacecar or substantially all of its assets are acquired, customer information will be one of the transferred assets.
Requirements for your application to be considered by Pacecar:
You must be 18 years old or older. Your current loan must have a balance of $7,500 or greater. Your vehicle must be no older than 10 years. Vehicle must have less than 150,000 miles. Your combined household income must be $2000/mo. or greater.
You represent that the information that you have provided in this process is true and complete, and that you are over the age of 18 and have the power and authority to enter into and perform your obligations under any credit arrangement that may be offered;
You acknowledge that you may withdraw your interest at any time prior to executing any loan agreement;
You authorize Pacecar to pull your credit report for the purpose of evaluating your credit options for financing your loan through Pacecar’s network of lenders, lending partners, and third-parties ("Network");
You consent to the sharing of the information you have provided with one or more parties in the Network;
You authorize any party in the Network, to which Pacecar has submitted your information, to pull your credit report in order to evaluate your creditworthiness;
You acknowledge that Pacecar and any party in the Network may retain your information in order to comply with certain federal and state laws and regulations;
You acknowledge that Pacecar does not guarantee that a lender will make you an offer to finance your loan;
You acknowledge that Pacecar does not guarantee that a lender will finance your loan at specific terms and conditions, including a specific interest rate;
You acknowledge that Pacecar is not responsible for any errors or delays related to your application caused by incorrect information provided by you or other technical problems beyond its reasonable control;
You may consent to receive notices electronically and agree to receive such notices at Pacecar's website. These notices may include privacy notices and information required by the Equal Credit Opportunity Act;
You acknowledge that the services offered by Pacecar are available only to residents of, or secured by collateral located in, those states where Pacecar is licensed (if licensing is required) and those states where any party in our Network are licensed or authorized to make such loans;
You acknowledge that under no circumstances will Pacecar be liable to you or to any other person for any indirect, incidental, consequential, or punitive damages arising out of or relating to this agreement. Your sole and exclusive remedy hereunder will be for you to discontinue your use of our services and terminate this agreement; and
You acknowledge that this agreement shall be subject to the laws of the California, excluding its conflict of law principles.
CONSUMER NOTICES BY STATE
Notice to California Residents: If married, you may apply for credit separately as an individual.
Notice to New York Residents: Consumer reports may be requested in connection with this application. Upon request, you will be informed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report. Additional consumer reports may be requested with respect to any extension or renewal of this obligation.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Certain laws require Pacecar Inc. (hereinafter, “Pacecar,” “we,” “us,” “our”) to provide certain account information to you. We may provide such information to you electronically if we obtain your consent to receiving electronic communications in accordance with this E-Communications Disclosure. You are required to consent to receiving E-Communications to establish a customer relationship with Pacecar and/or submit financing requests through us.
I understand and agree that, by participating in the Service, I authorize and instruct Pacecar, its authorized representatives, and/or its service providers, to obtain my credit report and/or credit score(s) via a “soft” credit pull. I understand and agree that I am authorizing Pacecar to access my credit profile, including my credit report, credit score(s) and other related information. By checking the box and proceeding, I authorize Pacecar to initiate a “soft pull” of my credit for the express purpose of a pre-qualification and this will not affect my credit score.
Note: This soft credit inquiry allows Pacecar to look at my credit history and match me with a group of lenders. I understand that my current loan balance, and payment information is not used in evaluating my creditworthiness. This is a pre-qualification and will not impact my credit score.
If you are a California resident you may have certain rights under the California Consumer Privacy Act (Cal. Civ. Code §1798.100 et seq.) regarding your personal information, including:
We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the ways in which we use it, disclose it, and the sources from which we collect it.
Categories of Personal Information
Category of Sources from which we Collect Personal Information
Business and Commercial Purposes for Use of Personal Information
Categories of Third Parties to Whom Personal Information is Disclosed
Pacecar Inc. does not offer an opt-out from the sale of personal information because Pacecar Inc. does not engage in the sale of personal information as contemplated by the CCPA. As noted elsewhere in this disclosure, we share personal information with other businesses for a variety of reasons. While we often benefit from such exchanges, we do not share personal information for the sole purpose of receiving compensation for that information.
We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on the CCPA section of our web site with a new “Last Updated” date. Any changes to this disclosure will become effective when posted unless indicated otherwise.
To exercise one or more of your rights, you or someone you authorize may email us at email@example.com.