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Privacy Policy

Disclaimer

At CostPlusRefi, we prioritize your privacy and the security of your personal information. This Privacy Policy outlines how we collect, use, share, and protect your data when you visit our website, www.costplusrefi.com, or engage with our services, such as vehicle service contracts, GAP coverage, and auto loan refinancing. By using our website or services, you agree to the terms described in this policy.

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1. Information We Collect

We collect data to deliver and enhance our services. The information we gather depends on how you interact with our website and services, and includes data you voluntarily provide for the following purposes, along with additional information:

  • Auto Loan Refinance Application: When applying to refinance your auto loan, you submit personal details including your full name, phone number, email, and home address. You also provide vehicle information (year, make, model, trim, and estimated mileage), loan details (current lender and monthly payment), residence details (type and monthly payment), employment and income information, and date of birth. Optionally, you may provide your Social Security number. If responding to a mailed refinancing offer, you provide a prequalification code and zip code.

  • Account Creation: When creating an account on our website, you (and any co-applicant) provide your name, email address, phone number, address, date of birth, and gross annual income. You also submit vehicle details, such as year, make, model, trim, estimated mileage, and estimated payoff amount.

  • Account Login: To sign into your account, you provide your login credentials.

  • Job Applications: When applying for a position through our careers page, you provide your last name, email address, phone number, work history, education background, and any additional details you choose to include.

  • Chat Support: If you use our CostPlusRefi chat features, you provide your name, email address, phone number, zip code, and any details shared in your message.

  • Contact Form: When reaching out via our contact form, we collect your name, email address, phone number, and any additional personal information you choose to provide.

  • General Interactions: When providing feedback, questions, comments, suggestions, or engaging with our services, you may share your login details, name, and/or email address.

  • SMS and Phone Communications: We collect phone numbers for SMS or phone communications but do not share SMS consent or phone numbers for SMS purposes.

  • Additional Data:

    • Personal Information: Other data you provide, such as financial details for processing service contracts or GAP coverage.

    • Usage Data: Information about your website interactions, including IP address, browser type, device details, pages visited, and time spent on our site.

    • Cookies and Tracking Technologies: We use cookies, web beacons, and similar tools to improve your experience, analyze site performance, and provide personalized content. You can adjust cookie preferences in your browser settings.

    • Third-Party Data: Information from third parties, such as financial institutions or service providers, to process your requests or verify eligibility.​

 

2. How We Use Your Information

We use your information to:

  • Deliver and manage our services, including processing applications for vehicle service contracts, GAP coverage, and auto loan refinancing.

  • Communicate with you regarding your account, inquiries, or service updates.

  • Enhance our website and services by analyzing user behavior and preferences.

  • Personalize your experience with tailored content or offers.

  • Meet legal obligations, such as responding to lawful requests or resolving disputes.

  • Safeguard against fraud, unauthorized access, or other security risks.

 

3. How We Share Your Information

We do not sell or rent your personal information. We may share your data in the following cases:

  • Service Providers: With trusted third-party vendors (payment processors, financial institutions, or IT providers) who assist in delivering our services, bound by confidentiality agreements.

  • Legal Requirements: When required by law, such as in response to a subpoena, court order, or regulatory request.

  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, with notice provided where required.

  • With Your Consent: When you explicitly agree to share your information for a specific purpose.

 

4. Data Security

We implement reasonable measures, such as encryption, secure servers, and access controls, to protect your information. However, no internet transmission is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.

 

5. Your Choices and Rights

You have control over your personal information. You may:

  • Access or Update: Request access to or corrections of your personal data by contacting us.

  • Opt-Out: Unsubscribe from marketing emails using the “unsubscribe” link or by contacting us.

  • Cookies: Disable cookies via your browser settings, though this may impact site functionality.

  • Do Not Track: Our website does not currently respond to “Do Not Track” signals, but you can manage tracking preferences through your browser.

Depending on your location, you may have additional rights, such as the right to delete your data or restrict its use. Contact us to exercise these rights.

 

6. Third-Party Links

Our website may include links to third-party sites. We are not responsible for their privacy practices or content. We recommend reviewing their privacy policies before sharing personal information.

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7. International Users

Our services are based in the United States. If you are outside the U.S., your information may be transferred to and processed in the U.S., where data protection laws may differ. By using our services, you consent to this transfer.

 

8. Contact Us

For questions, concerns, or requests about this Privacy Policy or your personal information, please contact us:

Thank you for choosing CostPlusRefi. We are dedicated to protecting your privacy and providing exceptional service.

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