Privacy Policy

TakeOverPayment.comSM understands that privacy concerns are of the utmost importance when it comes to the use of your personal information. We collect the information necessary to respond to your requests for products and services. The following discloses our information gathering methods and practices for this website: Our site's qualification form may require users to give us information such as your name, address, phone number, e-mail address, social security number, employment, income, credit history and other financial information. This information gathering procedure allows TakeOverPayment.comSM to find you a lender that best meets your borrowing needs and is forwarded to the dealer/lender. We may use your customer contact information that you provided from the qualification form to send you additional information about our company and other promotional materials and programs from some of our partners. The customer's contact information is also used by us and a designated dealer/lender to contact you when necessary. You may opt-out of receiving future mailings; see the opt-out section below. This site contains links to other sites. TakeOverPayment.comSM is not responsible for the privacy practices or the content of such websites.

Information We Collect

In order to ensure that consumers get the very best service, TakeOverPayment.comSM collects demographic information, web pages visited and other consumer-volunteered information from sources such as forms, survey information and/or site registrations. TakeOverPayment.comSM also collects information from auto loan applications including name, zip code, phone number, e-mail address and certain finance and credit-related information. Gathering this information helps TakeOverPayment.comSM to identify our customers and manage our customer relationships. It also assists TakeOverPayment.comSM in the development or referral of products and services that we believe will meet the continuing needs of our customers. Collected information is also used to improve the content of our Web site, customize the content and/or layout of our Web site for individual users, and members of our auto dealer network to contact you for follow-up information to their auto loan application and/or for marketing purposes. Auto loan information is used to route requests to our auto dealer network, fulfillment and marketing partners and to contact consumers. By submitting an application, you agree that a member of our auto dealer network can contact you by phone at the numbers you've provided to discuss your application.

Who Owns the Auto Loan Application Data?

Once it is received in our database, auto loan information, including your name, e-mail address, home address and financial/credit status information becomes the property of TakeOverPayment.comSM. This information is passed on to our dealers, fulfillment and marketing partners and affiliates for completion of the loan. Once one of these entities receives this information, it becomes the subject to their respective privacy policy, in addition to TakeOverPayment.comSM. Our accredited dealers use this information to process your purchase request and provide valuable services. Any request to opt out of future dealer communications must be made directly to the dealer.

Personalization

TakeOverPayment.comSM offers its users the advantage of personalization on our Web site by using cookies. Web site personalization provides our customers with a more convenient online experience and is at no given time used to track information or retrieve data from your hard drive.
Cookies Cookies are pieces of information that a web server may transfer to your computer through your web browser. When this information is stored on your computer, our system is able to recognize your browser and in turn customize web page content for you. We will not use any cookies to retrieve data from your hard drive or obtain sensitive information about you. When a cookie is set, your browser will check it for length, an expiration date, and where it originated. Only TakeOverPayment.comSM can access the cookies that we set. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online services or website features.

Tracking Pixels

TakeOverPayment.comSM uses clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. In addition, some TakeOverPayment.comSM affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their websites.

Information We Share With Others

If you provide us with your name and mailing address, we may decide to make it available to other companies that wish to tell you about their products. (See below if you prefer that we not share this information). We may segment the information into groups of customers who have bought similar amounts and types of products, but we will never provide details that are specific to a single customer or household. Of course, if there is any information that we are legally required to provide to government agencies, credit reporting agencies or to prevent fraud, we will comply with our legal obligations. Occasionally, when TakeOverPayment.comSM does not have a partner dealership available in a specific area to assist our consumers, we may forward your request for information to another reputable auto loan network. In such a case, you will become subject to the security and privacy policies that are posted on the associated website and if you wish to do so, you will have to opt out of disclosure through the associated website.

Viewing pages at TakeOverPayment
.comSM
If you browse through our Web 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 our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our Web site from another Web site, the address of that Web site.

Security

TakeOverPayment.comSM understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) 128bit encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.

We Do Not Intend To Collect Data From Children

The information and services provided by TakeOverPayment.comSM, our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside TakeOverPayment.comSM.

How to Request that Your Information Not Be Shared

Many customers appreciate receiving information and offers about products and services that may be of interest and value to them. However, at TakeOverPayment.comSM, we recognize that it's your choice. If you prefer that we not disclose any nonpublic personal information about you to any nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). It generally takes up to thirty (30) days before your request becomes effective. If you do not want us to share any information that you have provided to us or that we have gathered, please let us know by e-mailing us through the link below. Please include your name, address, and other identification information, such as your application number. Your request will apply to any of the information we have obtained in any transaction, such as your application. An opt-out request by any party on a joint account will apply to all parties on the joint account. If you have any other questions or concerns regarding your privacy at TakeOverPayment.comSM, or wish to opt out of disclosure of your information, you may contact our privacy department by sending an email to privacy@TakeOverPayment.com.

Other Companies' Policies May Differ

Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. If you disclose your information to dealers or other parties that you are placed in contact with through our site or other sites throughout the Internet, different privacy policies may apply to their use or disclosure of the information you disclose to them. Since TakeOverPayment.comSM does not control the privacy policies of third parties, you are subject to the privacy policies of that third party and we encourage you to read their privacy policies or ask questions before you disclose your personal information to others.

Your Acceptance of These Terms
By using this site and providing us with your information, you agree to the TakeOverPayment.comSM Privacy Policy. If you do not agree to this policy, please do not use our site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page frequently for changes. Your continued use of the TakeOverPayment.comSM site means you accept those changes. You can e-mail us with any further questions you may have.


Thank you for visiting TakeOverPayment
.comSM!

This Privacy Policy Last Modified June 22, 2013.
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