Terms of Service

This privacy notice applies to all consumers who complete a CreditYES, LLC, ("CreditYES") credit application ("Application"). It is designed to tell you how CreditYES may collect and use Private Information (described in the next section) about you or your account. Our intent is to provide you with information about our privacy policy and practices, as we are required to do by law. This notice is not intended to be a contract.

A. HOW WE COLLECT PRIVATE INFORMATION: We collect Private Information about you from the following sources:

Information we receive from you over the phone, on applications or other forms, such as your name, address, social security number and income.

Information about your transactions with us, our affiliates or others, such as your account balance and payment history, and information that we obtain to verify employment history or that insurance coverage is in force.

Information we receive from consumer reporting agencies, such as your credit history and creditworthiness.

B. HOW WE DISCLOSE PRIVATE INFORMATION: By submitting your Application to CreditYES, you are directing us to disclose it and the Private Information it contains to the participating CreditYES motor vehicle dealers ("Dealer") in your area.

Additionally, we may disclose all Private Information (as described above) we collect to the following types of third parties:

To Financial Service Providers: We may disclose all of your Private Information to financial service providers, such as banks, finance companies and insurance agents (other than financial service providers with which we maintain a joint marketing agreement and those with which we share your Application for the purpose of obtaining the credit you requested).

To Non-Financial Companies: We may disclose all of your Private Information to non-financial companies, such as motor vehicle dealers, retailers, warranty or service contract providers, direct marketers and publishers (other than non-financial companies that provide marketing services for us).

To Marketing Service Providers and Joint Marketing Partners: We may disclose all of your Private Information to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements. In the event we do this, we will enter into agreements with such companies requiring them to comply with federal privacy laws and regulations, and keep all personal information secure and confidential.

With Other Non-Affiliated Third Parties: We may share all Private Information about you with non-affiliated third parties as permitted by law. For example, federal law permits us to share your Private Information as necessary with parties who provide services to us and other parties, including parties who perform computer maintenance for us, our auditors, attorneys, accountants, regulators, law enforcement, etc.

Between CreditYES and Among Any Future Affiliates of CreditYES: In general, there are two categories of Private Information. One is information about your history of dealing with us, such as identification information, account history and balances, insurance coverage and payment history (which we refer to as "Transaction History"). The other is information received from other sources, including information typically found in a credit report, and information you provide us about your relationships with others (which we refer to as "Other Party Data"). We may share Other Party Data and Transaction History with each other and any future affiliates for the purpose of offering you additional products and services, other than those you request in your Application.

C. HOW WE PROTECT PRIVATE INFORMATION: We restrict access to Private Information about you to our employees and third parties who need to know that information in order to provide you with the products and services you request and those persons or entities with whom we are permitted by law to share your Private Information. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect your Private Information.

SMS & TEXTING
Notwithstanding the disclosures described in section B, "HOW WE DISCLOSE PRIVATE INFORMATION," and in furtherance of our commitment to safeguard your privacy, CreditYES and its affiliates take additional steps regarding the use of SMS/texting by our partners. CreditYES expressly prohibits all affiliate partners, including but not limited to motor vehicle dealers, financial service providers, non-financial companies, marketing service providers, joint marketing partners, and any non-affiliated third parties, from using SMS or texting to contact you for any purpose unless they obtain your separate and direct permission to do so.

YOUR RIGHT TO TELL US NOT TO DISCLOSE YOUR PRIVATE INFORMATION TO CERTAIN THIRD PARTIES
Non-Affiliated Third Party Disclosures: We reserve the right to disclose all Private Information (as described above) with the following types of third parties who are not our affiliates for marketing purposes:

Financial Service Providers: (Other than providers with which we maintain a joint marketing agreement and those with which we share your Application for the purpose of obtaining the credit you requested), such as banks, finance companies and insurance agents; and

Non-Financial Companies: (Other than companies that provide marketing services for us), such as motor vehicle dealers, retailers, warranty or service contract providers, direct marketers and publishers.

Affiliate Disclosures: We reserve the right to disclose all Other Party Data (as described above) with our affiliates for marketing purposes.

SPECIAL NOTICE FOR VERMONT RESIDENTS
If you are a Vermont resident, we will not share your application information, credit bureau reports or credit scores within the CreditYES family without your express written consent. In addition, we will not share such information with third parties to market non-financial products without such consent. As a Vermont resident, you do not need to take any action to limit information sharing. We will not share any of the personal information that we collect about you with companies or other organizations outside of the CreditYES family without your express written consent, except as follows:

We may share personal information as required by or permitted by law. For example, we may share personal information to: protect against fraud; respond to a subpoena; or service your account.

We may share any of the information that we collect, as described above, to companies that perform marketing services for us.

We may disclose the following information to companies that perform services for us. We may also disclose such information to financial institutions with which we have joint marketing agreements in order to provide you with opportunities to buy financial products or services offered jointly with these other financial institutions:

Your name and contact information.
Information about your transactions with us or our affiliates, such as your account balance, payment history, parties to transactions, etc.

For your protection, we require that these companies keep all personal information secure and confidential.

Any material changes to our Privacy Policy will be posted on this page so that you are always aware of what information we collect and how we use it as well as the latest material changes we make to our Privacy Policy. We recommend that users of this web site periodically review this Privacy Policy.

Last updated: March 13, 2024