Privacy Policy In accordance with federal regulations, we are giving you this notice to tell you how we may use nonpublic personal financial information (“Personal Information”) about you. This notice applies to both current and former customers of Credit Express LLC, and in some instances, to any party who submits Personal Information to us for consideration. If you are a NEW customer, we can begin sharing your information 30 days after the date this notice was made available to you.

COLLECTION OF PERSONAL INFORMAION

Financial companies choose how they share your Personal Information, and federal law gives consumers the right to limit some, but not all sharing. Please read this information carefully so you understand how Credit Express LLC, handles your personal information. We collect the following types of Personal Information about you:

• Demographics and identifying information, such as your name, social security number, address and telephone number.
• Credit related information, such as your driver’s license number and information needed to complete and process vehicle title and registration forms.
• Payment and Financial information, such as your payment method information like a credit card or other financial accounts and your billing address.

The personal information we collect about you may include the following sources:

• You, such as your name and social security number that you can provide on applications or other forms.
• Us, or third parties from transactions you have entered into, such as your loan balance and payment history.
• Consumer reporting agencies, social network, or other verification agencies, such as your credit history, residential history, criminal history and information about your credit worthiness.

INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include Personal Information. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests
• Speed up your searches
• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

DISCLOSURE OF PERSONAL INFORMATION

Every financial services company needs to share certain customer information in order to conduct business. We may disclosure the personal information that is described above under the following circumstances:

1. To our services providers (companies not related by common ownership or control).

We may disclose some or all of the Personal Information described above to companies that perform services for us or act on our behalf, such as banks, statement processors, telephone or other media call center processors, repossession companies, collection agencies, or our attorneys. We may also do so for our own marketing purposes to make you aware of products or services that we believe may be of interest to you. We may make such disclosure of personal information about you such as customer or former customer.

2. Among Affiliates (companies related by common ownership or control)

We do not share Personal Information about you with any affiliates that are not otherwise service providers.

3. With Other Third Party

We do not share Personal Information about you with third parties, except as may be required by law, or except as permitted by law. For example: Although we currently do not run credit checks as of the date of this publishing, we may report information about your loan to credit reporting agencies in the future should our policies change in that regard; and, we may be required to provide personal information about you pursuant to legal process.

• We may also disclose your Personal Information to comply with any court order, law, or legal process, including to respond to any government or regulatory request.

PROTECTION OF INFORMATION

We restrict access to Personal Information to our employees or agents who need this information to provide financial products or services to you.

We strive to maintain physical, electronic and procedural safeguards that are consistent with federal standards to guard your personal information.

CHILDREN UNDER AGE OF 16

We restrict access to Personal Information to our employees or agents who need this information to provide financial products or services to you.

Our Website is not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at (855) 527-0925.

OPT IN FOR SMS MESSAGING

During our application or initial sign-up process, we will seek your consent to contact you with certain non-emergency, automated, autodialed, prerecorded, or other telemarketing phone calls or text messages under the Telephone Consumer Protection Act (TCPA). By checking the appropriate box, you authorize us and our service providers to contact you using the telephone number you provide via phone, SMS, or using automatic telephone dialing system (ATDS) or artificial prerecorded voice. Your consent is not a condition to purchase. Message and data rates may apply. To opt-out at any time, reply “STOP” to any message received.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

SMS Messages. As mentioned above, can reply with the text “STOP” to any SMS message received by us. You can also always opt-out by sending us an email with your request to service@credex.net

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by calling us at (855) 527-0925. Or by sending us an email with your request to service@credex.net

Promotional Offers from the Company. If you do not wish to have your contact information used by us to promote our own or third parties' products or services, you can opt-out by sending us an email stating your request to service@credex.net. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to us as a result of a product purchase, warranty registration, product service experience or other transactions.

Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by sending an email to: service@credex.net. For this opt-out to function, you must have your browser set to accept all browser cookies.

We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website Opens in a new window.

Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

STATE PRIVACY RIGHTS

California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

• Confirm whether we process their personal information.
• Access and delete certain personal information.
• Correct inaccuracies in their personal information, taking into account the information's nature processing purpose (excluding Iowa and Utah).
• Data portability.
• Opt-out of personal data processing for:
• targeted advertising (excluding Iowa);
• sales; or
• profiling in furtherance of decisions that produce legal or similarly significant effects (excluding Iowa and Utah).
• Either limit (opt-out of) or require consent to process sensitive personal data.

The exact scope of these rights may vary by state. To exercise any of these rights please submit an email to: service@credex.net to appeal a decision regarding a consumer rights request, please submit your appeal by providing the grounds for appeal and material facts by email to: service@credex.net.

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated address: 546 E Commercial Blvd, Oakland Park, FL 33334.

CONTACT INFORMATION

To ask questions or comment about this privacy policy and our privacy practices, contact us at: service@credex.net

Last update: April 22, 2014.

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