E-net Financial Services, Inc. Privacy Policy ( d/b/a as AutoCreditAccept.com)
In accordance with federal regulations, E-net Financial Services, Inc. d/b/a AutoCreditAccept.com is providing you this notice to advise you how we may use non-public personal information you provided us in connection with a financial product or service you have obtained, or sought to obtain through our services. We call this nonpublic personal information "Private Information" and describe it below. This notice applies to your Private Information while you are our customer, as well as after our customer relationship is terminated.
Collection and Use of Private Information
We collect the following types of Private Information about you from the following sources:
Information we receive from you on applications or other forms, such as your name, address, residence and income.
Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.
We DO NOT receive information from consumer reporting agencies, such as your credit bureau report. Our affiliates, or other will need to obtain your permission before they can (if they so desire) pull your credit bureau report.
Disclosure of Private Information
We may disclose Private Information (described above) under the following circumstances:
(1) Among Affiliates
There are two special categories of Private Information. One is information about your history of dealing with us, such as identification information, account history and balances and payment history (which we refer to as "Transaction Information"). The other is information received from other sources, including information typically found in a credit report (which we refer to as "Third Party Information"). We may share all Private Information that consists of Transaction Information with our affiliates. Our affiliates includes lead distribution service, loan originator or auto lender broker, auto dealers and lenders (Credit Specialist). We do this to provide you with the products and services we and our affiliates offer. We do not share Third Party Information with our affiliates.
(2) With Other Financial Service Providers
When you complete our transaction information forms, or when a provider forwards that information to us, we will share all Private Information we obtain about you in that transaction with motor vehicle dealers, lenders and finance companies (including motor vehicle dealers providing vehicle financing)(Credit Specialist) who are necessary to provide you access to multipule lenders and their credit decision and loan approval process.
(3) With Service Providers and Joint Marketing Partners
We may disclose all Private Information we collect to companies that perform services on our behalf, including companies we engage to market our products and services for us, or to financial institutions with which we have joint marketing agreements including motor vehicle dealers providing vehicle financing.
(4) With Other Third Parties
We may share all Private Information about you with other non-affiliated third parties, as permitted by law.
Protection of Information
We restrict access to Private Information about you to our employees and affiliates who need to know that information in order to manage your account. Additionally, we take other steps to protect your Private Information in a manner consistent with industry standards for similar type companies. We will review our safeguards from time to time, and strive to maintain them in a manner consistent with federal regulations, if any, that may be in effect from time to time. Our employees are trained and required to maintain our privacy policies and procedures. Employees who violate these policies and procedures are subject to disciplinary action.
