Important Notice Regarding Your Privacy Rights
information ("Personal Information") Wheels Financial Group, LLC. dba LoanMart ("Company")
may maintain or collect during the course of our relationship with you. It also
explains the safeguards we have in place to protect that information and the circumstances
under which we may share that information with other companies. This notice applies
to both current and former customers.
Why We Collect Personal Information
We collect Personal Information to identify you, confirm facts about you, deliver
financial products and services to you, to help us assess requests for financial
products and services, and as necessary to service your loan.
Personal Information We Maintain or Collect
The following are examples of the types of nonpublic personal information we maintain
* Information that you provide in connection with your loan, applications, other
forms, or verbally, such as: name, address, telephone number, social security number,
income, assets, driver’s license number, and employment information.
* Information about your transactions with us, our affiliates, or other parties,
such as: account balances and payment history.
* Information we receive from consumer reporting agencies, such as: credit worthiness
and credit history.
* Information obtained from non-affiliated third parties about your transactions
Sharing of Personal Information
We may share some or all of the Personal Information that is described above as
* With Non-Affiliated Financial Service Providers, such as banks, mortgage bankers,
credit card issuers, insurance companies and insurance agents.
* With Non-Affiliated Non-Financial Companies, such as statement processors, repossession
companies, collection agencies, or our attorneys.
* With Our Affiliated Companies for their everyday business purposes or to market
their products to you.
* With Non-Affiliates for Joint Marketing – We may share your Personal Information
with non-affiliated financial companies with whom we have a formal agreement to
market financial products or services to you.
* We may also share, as may be required or permitted by law, information about your
loan to credit reporting agencies or pursuant to legal process.
Your Right to Limit Sharing/Opt-Out Right
You have the right to limit our sharing of your Personal Information, except as
permitted by law, by completing and returning the opt-out notice that was provided
to you via the US Postal Service titled "FACTS: What Does Wheels Financial Group,
LLC. dba LoanMart Do With Your Personal Information?" (Customers located in California
can also return the opt-out notice titled "Important Privacy Choices for California
You can download a new notice here: Download Federal Notice
You can download a new notice for California residents here: Download California Notice
Protection of Information and Security Procedures
We restrict access to Personal Information about you as a current or former customer
to our employees or affiliates who need this information to provide financial products
or services to you and to otherwise service your account(s) with us. We maintain
physical, electronic and procedural safeguards that comply with applicable federal
and state standards to guard your Personal Information. For example, we use Secure
Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized
parties from viewing any nonpublic personal information transmitted to or from us.
Privacy Notice - Online Supplement
This section describes our practices regarding information we receive about you
during visits to this web site. The amount and type of information we receive depends
on how you use this site.
Normal Web Site Usage
You can visit our web site to read product and company information, or use our on-line
tools without revealing any personal information. The only information we collect
and store during normal web site usage is the name and address of your Internet
service provider, the web site you last visited, the pages you request, the date
and time of those requests and the number of visits you made to our website.
We use this information to generate statistics and measure website activity in order
to improve the usefulness of customer visits to our website. This same information
may be shared with third parties in order to provide these services or to analyze,
store, or aggregate the information. It may also be shared with other third parties,
working with us to improve our services or our website. During normal web site usage,
we do not collect or store personally identifiable information such as name, mailing
address, email address, phone number or Social Security number.
On-Line Collection of Personally Identifiable Information
Occasionally, we will request personally identifiable information in order to provide
the web site visitor with a service or correspondence (e.g., promotions and mailed
brochures). This information, such as name, mailing address, email address, type
of request, and possibly additional information, is collected and stored in a manner
appropriate to the nature of the request as determined by us and is used to fulfill
your request. Whenever we request such information, we will clearly explain how
it will be used. If you tell us that the information should not be used as a basis
for further contact, we will respect your request. The information you provide is
used by us to improve the services we provide you. This information may also be
provided to agencies for use on our behalf in accordance with our Privacy Notice.
However, it is never provided or sold to any other company for that company's independent
Please note that our website may provide links to third party sites not controlled
by us. We suggest that you check the specific Privacy Notices of any site before
providing any personally identifiable information.
Electronic Mail Sent to Us That Contains Personal Information
Internet users may decide to send us personally identifying information, for example,
in an electronic mail message containing information about your account with us.
We will only use this information to identify the user as our customer and to determine
how to respond to the electronic mail. We will use this information for the purpose
identified in the email message and to enhance our understanding of you in order
to improve our services to you.
To use our Internet services, such as online account access, we require a certain
amount of personally identifying information (e.g., name, Social Security number,
account number and other applicable information) we can use to verify you as our
customer. We use this to identify and access data in the existing relationship we
have with you in order to provide you with the requested services. We request email
addresses as an alternate means of contacting you. Providing your email address
is optional, except when you request an Internet delivered service, then it is necessary
for us to have your email address in order to honor your request. We may also use
this information to enhance our understanding of you and improve our services.
What Are Cookies
A "cookie" is a small line of text that is stored within your browser when you visit
a cookie-enabled website. As you browse the Web, cookie-enabled sites will send
cookies to your browser, along with pages. Your browser probably has options that
will let you control whether the browser accepts cookies, rejects cookies, or notifies
you each time a cookie is sent to you.
If your browser is set to reject cookies, cookie-enabled websites will not recognize
you when you return. This provides you with anonymity, but it also makes it very
difficult to offer you customized services. It is also less secure than using cookies,
because all of your specific data must be sent to the website each time you view
a page. Accepting cookies means your private data can stay at the Web server, and
the only information transmitted over the Internet is your ID cookie.
If your browser is set to accept cookies, any cookies that are sent to your browser
are stored in your computer for a period of time. There are a few different types
of cookies. A "session" cookie is stored only in your computer's working memory
(RAM) and only lasts for your browsing session. When you close all of your browser's
windows, or when you shut down your computer, the session cookie disappears forever.
A "permanent" cookie is stored on your computer's hard drive until a specified date,
which could be tomorrow, next week, or 10 years from now. Permanent cookies stay
on your computer until either a) they expire, b) they are overwritten with newer
cookies, c) you manually remove them.
We use permanent cookies to supply visitors to our site with a customized experience.
These cookies do not involve personally identifiable information. We also use session
cookies to customize your experience during a session, to aid in your navigation
and use of the site, to develop generic web site metrics and other similar uses.
Keeping Customer Information Accurate
If you believe our records are incomplete or inaccurate, you may write to us at:
15821 Ventura Blvd. Suite 280, Encino, CA 91436 or email us at firstname.lastname@example.org
Effective Date; Changes to Our Policy
effective date. If we make substantial changes to our policy, we will post the changes
on our website.