You consent (1) to receive all loan agreements, disclosures, notices, and other information (together, the "Electronic Records") in electronic form and (2) to use "Electronic Signatures" for entering into any loan agreement with NALN or its assignees.
You may receive paper copies of any of the Electronic Records maintained by NALN by printing or downloading such Electronic Records directly to your computer, or by written request, with specific details of the Electronic Records you want, mailed to NALN, Attn: Electronic Records Request, 1735 Flight Way, Suite 100, Tustin, CA 92782. Please enclose your name, the home address we have on record for you, and your mailing address, if different. Paper copies of the requested Electronic Records will then be provided at no charge to you. To obtain paper copies from NALN’s assignees, please contact those assignees directly.
Your consent applies to all Electronic Records related to this loan request and transaction and all Electronic Records related to servicing your loan, including but not limited to privacy and collection notices. You may withdraw your consent to receive Electronic Records or update your contact information by calling or emailing your loan officer, or by calling NALN at (888) 391-3504. If you withdraw your consent to receive Electronic Records, NALN will send paper copies of all agreements, disclosures, etc. to you, which might impact the speed of your transaction.
Hardware and Software Requirements. Electronic Records may be accessed with the most recent versions of most web browsers. If you are having difficulty obtaining your Electronic Records online, please try a different browser, or contact us for assistance. To retain your Electronic Records, you must have computer hardware and software capable of saving Electronic Records being viewed by your web browser. In addition, in order to download, save, and view a copy of your loan agreement in PDF format, you will need Adobe Reader software, version 9.0 or later. You may also print Electronic Records if you have a printer and appropriate computer hardware and software for printing pages viewed by your web browser.
By prequalifying or applying for a loan with NALN, you:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account/loan. When you open an account/loan, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
In accordance with Section 326 of the USA PATRIOT Act, signed October 26, 2001, National Auto Loan Network (NALN) is required to obtain a copy of the documents used in identifying new account/loan customers and in identifying signatory individuals added to an existing or new account/loan. In some cases, identification will be requested for those individuals banking with NALN’s assignees prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account/loan or the assignee is unable to form a reasonable belief that it knows the true identity of the existing customer. In all cases protection of our customers’ identity and confidentiality is NALN’s pledge to you.
What this means to you: When you open a new account/loan, we will ask for your name, date of birth, and other information that will allow our assignees to identify you. We may ask you to provide a copy of your driver’s license and other identifying documents. By submitting this application, you authorize the assignee(s) to obtain information necessary to verify your identity. This may include information obtained from a consumer reporting agency, public data bases, or other sources. If the assignee(s) is/are unable to verify information necessary to confirm your identity, an account/loan may not be opened/funded. The assignee(s) reserves the right to close your account/loan if it determines at a later date that we/they do not know your identity.
National Auto Loan NetworkTM (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
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.
Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policy and practices, such as the type of information that it collects about you and the categories of personal information or entities to whom it may be disclosed. NALN is a financial institution, so personal information we collect on you is protected by GLBA, not the California Consumer Privacy Act (CCPA). In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of our agency.
While providing services to you, we gather information about which may include, without limitation, your name, address, phone number, email social security number, credit card number, date of birth, employer information, income amounts, current loan information, credit information, and vehicle information (collectively, the "Information"). The Information is received or gathered from the following sources:
"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 use the Information to provide products and services to you, to provide support for those products and services, to review and identify other products and services that may beneficial to you, to communicate with you, and to otherwise do business with you.
As permitted by law: We may disclose Information as permitted or required by law. For example, Information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus. In addition, we may disclose Information to companies that perform support or other services for us. Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our customers to third parties.
Access to our Information is limited to NALN employees who provide products or services to you. NALN employees are trained and understand the importance of safeguarding your Information. We maintain physical, electronic and procedural safeguards that meet or exceed federal standards to protect your Information.
NALN's Online Application system provides secure services over the Internet through a protocol known as Secure Sockets Layer. To access your online profile, you will need access to a computer with Internet access and a Secure Sockets Layer compatible browser. The Secure Sockets Layer validates the identity of our site to our customers by using a digital certificate.
When you enter NALN’s Online Application system, encryption is automatically enabled. This is called a secure site. To verify if an Internet session is secure, check the key icon in the corner of your browser's screen. If the key appears intact, then encryption is activated.
Our web site may contain links to other sites. Please note that the privacy policy at these other sites may be different from NALN’s privacy policy. You should review the privacy policy of any site linked to our site before providing any information.
NALN uses certain social media platforms, including, without limitation, Facebook, Twitter, and Yelp. Any content you post on social media pages, such as pictures, information, opinions, and personal information, is subject to the terms of use and privacy policies of those sites. Please refer to them to better understand your rights and obligations regarding such content. It is not subject to the NALN's privacy policies as set forth here.
We do not solicit data from or market to anyone under the age of 18 on our website. When you browse our website, you do so anonymously; Information about you is not collected.
NALN will only share Information obtained through public records with authorized agents and our assignees; or as may be required by federal or state law or by court order. You will be given the opportunity to consent to the use of your public Information for any other purpose.
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
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.
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
The Direct Marketing Association (DMA) sponsors Mail Preference Service (MPS), which has been helping consumers since 1971 limit the national
Mail Preference Service
Direct Marketing Association P.O. Box 643
Carmel, NY 10512
www.dmaconsumers.org/consumerassistance.html
If you contact that agency, you will have the option of removing your name from catalog offers of specific companies, other mail offers of specific companies, or all mail offers. Your name will be removed from your list(s) of choice for three years. Removing your name from these lists will not end all solicitations from businesses that do not subscribe to the service or companies with which you do business. To eliminate mail from those businesses—as well as mail addressed to "occupant" or “resident”—write directly to each source.
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
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.
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:
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.
