Online Privacy Policy

National Auto Loan Network™ (NALN) is committed to protecting the privacy of our customers. This notice describes our privacy policy.

It is important for you to know that we do not, nor will we ever, sell, share, trade or rent names or other information about our customers to third-party marketers.

References to “we,” “us,” and “our,” refer to NALN and “you” or “your” shall mean NALN customers. Throughout this notice, the word “information” refers to personal information about you that may not be publicly available.

For purposes of this Privacy Policy, “Personal Information” means information that identifies, relates to, or could reasonably be linked with an individual. Personal Information does not include publicly available, deidentified, or aggregated information.

Site visitors may access this Privacy Policy in an alternative format by contacting privacy@naln.com.

We may add to, delete, or change the terms of this Privacy Policy from time to time. Any changes to this Privacy Policy will be effective as of the Last Updated date at the bottom of this page, unless otherwise expressly indicated.

Categories of Personal Information We Collect

We obtain the following categories of Personal Information about Site visitors directly from you, automatically when you use our Sites, and from other vendors and third parties when relevant to the service we provide you. Note that the Personal Information we collect about you may vary depending on the nature of your interactions with us and may not include all of the examples listed below.

Contact information and other personal identifiers, such as name; postal address; unique personal identifier; online identifier; IP Address; email address; and social security number or government-issued identification number (e.g., driver’s license, state identification card, or passport number).
Characteristics of protected classifications, such as date of birth, gender, or marital status.
Account and financial information, such as your account number; transaction history; assets; income; investment preferences; and information about your financial standing such as credit score and credit history.
Internet or other electronic network activity information, such as internet or other similar activity; browsing history; search history; and information on your interaction with a website, device data, or social media account information.
Geolocation data, such as IP Address or general device location for the limited purpose of authentication such as when you provide consent to receive and sign disclosures electronically.
Professional or employment information, such as your title and affiliated company.
Content of communications, such as when you interact with us using a Site contact form.

We may combine your Personal Information with data we obtain from our Sites, our services, other users, and other parties. Your Personal Information may be converted into deidentified, anonymized, or aggregated data, as permitted by law.

Use of Personal Information

We may use or otherwise process the Personal Information described above for the following purposes:

Business operations, such as providing services for ourselves, our customers or others, including managing applications and registrations; providing customer service; processing or fulfilling orders and transactions; verifying customer information; improving our services; and responding to your requests; managing our relationships with our customers, partners, service providers, and vendors; and fulfilling purposes that we describe to you at the time we collect your Personal Information.
Site operations and improvement, such as maintaining, operating, optimizing, and providing access to our Site; identifying Site visitors; monitoring and analyzing Site usage and trends; evaluating how our Site perform; repairing or improving the quality of our Site; tracking and responding to quality and security issues; debugging our Site to identify and repair errors that impair existing or intended functionality; developing new or enhanced products and service offerings; and ensuring our Site operate effectively.
Communications, such as responding to your questions or feedback; confirming your preferences; providing you information about our services; contacting you regarding products, services, and transactions; and understanding how you interact with our correspondence.
Advertising and marketing, such as sending marketing and promotional materials relating to our products, and offerings; measuring the use of our services and effectiveness of our advertising and marketing; and developing insights to improve our Site and provide our users with enhanced features and functionalities.
Security and integrity, such as protecting our Site from cyber risks; authenticating Site users; enforcing our policies and terms; protecting our rights; fulfilling our legal obligations; preventing, identifying, investigating, and responding to fraud, illegal or malicious activities, and other activities that violates or may violate applicable laws, regulations, legal process, or our policies; and generally safeguarding our Site.
Legal and compliance, such as managing risks, investigations, reporting, and other compliance activities; responding to court orders or other government and law enforcement mandates or requests; identifying or managing legal actions related to our or others’ rights or property; supporting actual or threatened claims, defenses, or declarations in a case or before any jurisdictional and/or administrative authority, arbitration, or mediation panel; and enforcing compliance with applicable laws, regulations, or legal processes as well as industry standards and our policies.
Corporate restructuring, such as evaluating or executing a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, as part of regular business operations or pursuant to a bankruptcy, liquidation, or similar proceeding.

Disclosure of Personal Information

The Company discloses the Personal Information obtained about Site visitors to:

Vendors, service providers, and contractors that help us to administer our Site, support Site activities, manage customer applications, deliver services and communications, administer loans and other financial products, provide technical support, and otherwise help us operate our business. We may disclose your Personal Information to providers of cookies and other tracking technologies, as described in the “Cookies and Other Online Tracking Technologies” section.
Business partners that are not owned by or affiliated with us to provide additional Site features and products. Separate privacy policies apply to these partners’ uses of your Personal Information.
Law enforcement agencies, courts, regulatory agencies, other government entities, professional advisors, affected parties, and other external parties in response to subpoenas, warrants, or court orders; for law enforcement or public safety purposes; in connection with any legal process; to investigate, prevent, or take action regarding possible illegal activities, fraud, safety of person or property, or a violation of our policies; to comply with laws, regulations, or other legal obligations; to protect and defend our rights and property or the rights and property of other parties; or to enforce our Terms and Conditions, this Privacy Policy, or agreements with third parties.
Parties to corporate transactions
, such as prospective or actual purchasers, investors, or successor entities, in connection with a contemplated or an actual reorganization of our business, or in connection with financing, a sale, or other transaction involving the disposal of all or part of our business or assets. This may include processing for the purpose of permitting the due diligence required to determine whether to proceed with a transaction.

We may disclose your Personal Information to additional parties where we have provided a separate notice to you and/or asked for your consent, as applicable.

Cookies and Other Online Tracking Technologies

"Cookies" are small pieces of information sent by a web site's server to a user; the user's computer may show the information back to the server on subsequent pages or actions. Session cookies end when the session with the server ends. When you browse our web site naln.com you do so anonymously and personal information about you is not collected. When you access our Online Application system, session cookies are used. Session cookies are necessary for the security of your account and are used for authentication only.

We may engage web analytics service providers, such as Google Analytics, to help us understand and analyze how visitors interact with our Sites. We use such data to administer and improve the quality of our Site. We may also implement Google Analytics Advertising Features such as interest-based advertising, impression reporting, and audience targeting. For more information on how Google Analytics and other Google products use data, visit policies.google.com/technologies/partner-sites. To opt out of Google Analytics Cookies, visit tools.google.com/dlpage/gaoptout. To adjust your Google advertising settings, visit adssettings.google.com.

We have implemented Google reCAPTCHA to protect our websites from fraud and abuse. Your use of reCAPTCHA is subject to Google's Privacy Policy, available at policies.google.com/privacy, and Terms of Use, available at policies.google.com/terms.

Links to Other Websites

Our Sites may contain links to other websites or information. Some of these websites may appear as windows-within-windows on our Site. When you click on one of these links, you will be leaving our Site and will no longer be subject to this Privacy Policy. We are not responsible or liable for the information collection practices of the other websites that you visit and urge you to review their privacy policies and other terms to learn more about their data practices. Such websites may collect and use information about you in a way that is different from this Privacy Policy. The inclusion of a link to another website does not imply our endorsement.

Safeguards

We implement reasonable technical, organizational, and administrative measures to safeguard Personal Information against unauthorized or unlawful processing and against accidental loss, destruction, or damage. However, because transmission via the internet is not completely secure, we cannot guarantee the security of any information we may have collected from or about you through our Site.

Children’s Privacy

Our Site is not intended for, nor targeted to, children under 18, and we do not knowingly collect any Personal Information from children under 18. If we become aware that we have received Personal Information from a person under the age of 18, we will delete the information in accordance with applicable law.

How to Remove Your Name from Credit Offers

If you prefer not to receive unsolicited pre-approved credit offers, you can remove your name from lists used by credit reporting agencies (CRAs) for these purposes. To remove your name and address, call 888-5OPTOUT (888-567-8688) or go to www.optoutprescreen.com.

When you call to remove your name from credit bureau lists, you will be given a choice to opt out for five years or permanently. Even though your request becomes effective within a week of calling, it may take several months before you see a reduction in the amount of unsolicited offers of credit.

How to Reduce Telemarketing Calls

The National Do Not Call Registry was created to offer consumers a choice regarding telemarketing calls and gives you an opportunity to limit the telemarketing calls you receive. The National Do Not Call Registry is managed by the Federal Trade Commission (FTC), the nation’s consumer protection agency. Thirty-one days after placing your phone number on the registry, most (but not all) telemarketers should stop calling. For more information on the National Do Not Call Registry, or to register your phone number, go to www.donotcall.gov or call 888/382-1222. Telephone numbers placed on the National Do Not Call Registry will remain on it permanently (unless you choose to remove it) due to the Do-Not-Call Improvement Act of 2007, which became law in February 2008. If you have previously registered your phone number, your registration will not expire after five years, but instead will be permanent.

How to Reduce Telemarketing Calls

Free Credit Reports

You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax, Experian, and Trans Union.

You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax, Experian, and Trans Union. These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877/322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to: These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877/322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Do not contact these three consumer reporting agencies individually. Free annual credit reports are available only through the above methods.

When ordering your free report you will be asked to provide your name, address, date of birth, and social security number. In addition, you may be asked to provide further identifying information based on information contained in your credit report.

Only one web site, www.annualcreditreport.com, is authorized to fulfill orders for the free annual credit report you are entitled to by law. Other web sites that claim to offer free credit reports, free credit scores or free credit monitoring are not part of the legally-mandated free annual credit report program. In some cases, the “free” product comes with strings attached.

For more information, refer to the Federal Trade Commission (FTC) brochure, “Your Access to Free Credit Reports,” available on the FTC’s web site at www.ftc.gov.

Report Identity Theft

If someone has fraudulently used your identity to establish credit, contact your credit union immediately and then report the incident as quickly as possible to each of the consumer reporting agencies:

•	Experian:	888-397-3742
•	Equifax:	800-525-6285
•	Trans Union:	800-680-7289
•	Innovis:	800-540-2505

We are committed to ensuring the protection of your personal information. We hope you find the above information to be helpful. Additionally, periodically you may want to check your records at the above consumer reporting agencies to confirm that no credit accounts have been opened in your name without your consent.

Contact Us

If you have questions about this Privacy Policy, you may email us at privacy@naln.com or call our toll-free number at (949) 316-2210.

For California residents

CCPA/CPRA Notice to California Residents

This California Privacy Notice (“Notice”) describes how National Auto Loan Network (“the Company,” “us,” “our,” or “we”) collects, uses, discloses, and otherwise processes Personal Information pursuant to the California Consumer Privacy Act (“CCPA”), California Privacy Rights Act ("CPRA"), and other California privacy laws. We are providing the following information to visitors, users, and others who reside in the State of California ("customers" or "you").

For purposes of this Notice, “Personal Information” means information that identifies, relates to, describes references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual who is a California resident (“Consumer”). Personal Information includes sensitive Personal Information, and does not include publicly available, deidentified, or aggregated information. All other terms defined in the CCPA/CPRA or its implementing regulations have the same meanings when used in this Notice.

Consumers may access this Notice in an alternative format by contacting ccpa@naln.com.

We may add to, delete, or change the terms of this Notice from time to time. Any changes to this Notice will be effective as of the Last Updated date at the bottom of this page, unless otherwise expressly indicated.

Unless otherwise noted, the disclosures herein describe our current practices.

Categories of Personal Information We Collect

We collect the following categories of Personal Information about Consumers. Note that the Personal Information we collect about you may vary depending on the nature of your interactions with us and may not include all of the examples listed below.

Identifiers, such as your name, alias, postal address, unique personal identifier, online identifier, IP Address, email address, account name, or other similar identifiers. We may also collect sensitive Personal Information, such as social security number or government-issued identification number (e.g., driver’s license, state identification card, or passport number).
Personal Information described in Cal. Civ. Code § 1798.80(e), such as a signature, telephone number, insurance policy number, employment, bank account or card number, other financial information, and any similar information.
Characteristics of protected classifications under state or federal law, such as date of birth, gender, marital status, veteran, or military status. We may also collect sensitive Personal Information, such as racial or ethnic origin.
Commercial information, such as records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information, such as internet or other similar activity, search or browsing history, information on your interactions with a website, device data, or social media account information. The company will not collect personal information from you online or through use of the internet. Session cookies are used by company to ensure your security only and to authenticate you as a user and only for the time you access our server. When you browse our web site www.NALN.com you do so anonymously and personal information is not collected.
Geolocation data, such as a device or IP Address location. We will only collect IP information for the limited purpose of authentication (ex. When you sign a document electronically, your IP address is sourced to authenticate your computer/location). The company does not use IP information to track you or your geolocation in any form.
Audio, electronic, visual, or similar information, such as audio recordings when you call a recorded line.
Professional or employment information, such as your title and affiliated company.
Inferences drawn from any other category of Personal Information to create a profile about an individual reflecting potential or probable preferences, characteristics, behavior, abilities, attitudes, intelligence, aptitudes, or other similar predispositions, but only for the limited purpose of company’s own marketing efforts and data.

Sources From Which We Collect Personal Information

We collect the categories of Personal Information identified above from the following sources:

Directly from you
Automatically when you use our websites
Credit reporting agencies
Our service providers and other vendors
Persons and entities with whom you perform transactions with
Your affiliated company
Government entities
Social networks
Data brokers

How We Use Personal Information

We collect the categories of Personal Information identified above for the following business or commercial purposes

Operational purposes, such as providing services for ourselves, our customers or others, including managing applications and registrations; providing customer service; processing or fulfilling orders and transactions; verifying customer information; engaging in advertising or marketing, performing analytics, or similar services; improving our services; and responding to your requests.
Commercial purposes, such as activities that advance our commercial or economic interests (e.g., activities that induce customers to obtain or maintain products and services with us) or that enable or effect transactions.
Quality Assurance purposes, such as activities to achieve, verify, or maintain the quality or safety of a product, service, or equipment that is furnished or controlled by us, or to improve such product, service, or equipment.
Security purposes, such as activities to protect against malicious, deceptive, fraudulent, or illegal activity; detect security incidents; or hold the perpetrators of that activity responsible.
Debugging purposes, such as debugging to identify and repair errors that impair existing or intended functionality.
Compliance purposes, such as activities to achieve, verify, or maintain compliance with our policies and procedures or applicable legal and regulatory standards.
Audit purposes, such as auditing compliance with our policies and procedures or applicable legal and regulatory standards.

Disclosures of Personal Information

We disclose Consumer Personal Information to:

Service providers, and contractors that help us to administer our business, support business activities, manage applications, deliver services and communications, administer loans and other financial products, provide technical support, provide online services, and otherwise help us operate our business.
Business partners that are not owned by or affiliated with us to provide additional services and products. Separate privacy policies apply to these partners’ uses of your Personal Information.
Law enforcement agencies, courts, regulatory agencies, other government entities, professional advisors, affected parties, and other external parties in response to subpoenas, warrants, or court orders; for law enforcement or public safety purposes; in connection with any legal process; to investigate, prevent, or take action regarding possible illegal activities, fraud, safety of person or property, or a violation of our policies; to comply with laws, regulations, or other legal obligations; to protect and defend our rights and property or the rights and property of other parties; or to enforce our Terms and Conditions, this Notice, or agreements with third parties.
Parties to corporate transactions, such as prospective or actual purchasers, investors, or successor entities, in connection with a contemplated or an actual reorganization of our business, or in connection with financing, a sale, or other transaction involving the disposal of all or part of our business or assets. This may include processing for the purpose of permitting the due diligence required to determine whether to proceed with a transaction.

We may disclose your Personal Information to additional parties where we have provided a separate notice to you and/or asked for your consent, as applicable.

Sale or Sharing of Personal Information

We do not sell or share your Personal Information. We do not share or disclose your sensitive Personal Information for purposes to which the right to limit use and disclosure applies under the CCPA/CPRA. We do not sell or share the Personal Information of Consumers under 18 years old.

The Retention Period for the Personal Information Collected from Consumers

We retain the Consumer Personal Information described in the “Categories of Personal Information We Collect” section above as long as necessary to fulfill the purposes for the collection or as otherwise authorized by law. Generally, Personal Information is retained for the duration of your relationship with us, plus any legally and or contractually required record or data retention period. In addition, Personal Information is retained for as long as one of the following apply:

The Personal Information is reasonably necessary to manage our operations, to manage your relationship with us, or to satisfy another purpose for which we collected the information;
The Personal Information is reasonably necessary to carry out a disclosed purpose that is reasonably compatible with the context in which the Personal Information was collected; or
The Personal Information is reasonably required to protect or defend our rights or property and/or protect our ability to exercise those rights.

Where Personal Information is used for more than one purpose, we will retain it until the purpose with the latest period expires.

Rights Under The CCPA/CPRA

As a California resident, you have the following privacy rights regarding your Personal Information:

The right to know and access the Personal Information we have collected about you, including:
- The categories of Personal Information that we process;
- The categories of sources from which the Personal Information is collected;
- Our business purpose for collecting or processing Personal Information;
- The categories of recipients to whom we disclose Personal Information; and
- The specific pieces of Personal Information that we have collected.
The right to delete Personal Information that we have collected from you, subject to certain exceptions such as the Gramm-Leach Bliley Act (GLBA).
The right to correct inaccurate Personal Information that we maintain about you.

We will not discriminate against you for exercising your privacy rights.

Exercising Your Privacy Rights

If you wish to exercise your rights, you may:

Email your request at ccpa@naln.com;
Call our toll-free number at (949) 316-2210 and provide us with the information needed to complete our request form.

Note that to process your request, we will require you to verify your identity.

You may use an authorized agent to request access to, correction of, or deletion of your Personal Information. Further, we will require you or your authorized agent to provide us with information to verify your identity. We may also require you to either verify your own identity directly with us or directly confirm with us that you provided the authorized agent permission to submit the request.

Contact For More Information

If you have any questions or concerns regarding this Notice or our privacy practices, you can contact us by:

Calling our toll-free number at (949) 316-2210;
Writing us at: National Auto Loan Network. Att: Compliance, 1735 Flight Way #100, Tustin, CA 92782; or
Email at ccpa@naln.com.