Privacy Policy

United Auto Credit USA ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at unitedautocreditusa.com, use our services, or apply for financing.

By using our website or services, you agree to the practices described in this policy. If you do not agree, please do not use our website or submit personal information to us.

Information We Collect

We collect information that you provide directly to us and information that is collected automatically when you use our website.

Information You Provide

• Application Information: Name, date of birth, Social Security Number, address, phone number, email address, employment information, income details, and housing information when you apply for financing.
• Identity Verification: Government-issued identification documents, proof of income, and proof of residency.
• Account Information: Login credentials, payment information, and communication preferences for existing customers.
• Communication Data: Information provided when you contact customer service, submit feedback, or correspond with us.

Information Collected Automatically

• Usage Data: Pages visited, time spent on pages, links clicked, and navigation patterns.
• Device Information: Browser type, operating system, IP address, and device identifiers.
• Cookies and Tracking: We use cookies and similar technologies to improve your experience and analyze website usage. See our cookie section below for details.

How We Use Your Information

We use your personal information for the following purposes:

• Processing and evaluating your auto loan application
• Verifying your identity and preventing fraud
• Servicing your loan account, including payment processing and account management
• Communicating with you about your account, application status, and our services
• Reporting payment history to credit bureaus as permitted by law
• Complying with federal and state regulatory requirements
• Improving our website, services, and customer experience
• Responding to your inquiries and customer service requests

How We Share Your Information

We do not sell your personal information to third parties for marketing purposes. We may share your information with:

• Dealer Partners: When you are approved for financing, we share relevant information with the dealer partner facilitating your vehicle purchase.
• Credit Bureaus: We report your loan and payment history to major credit bureaus as required and permitted by law.
• Service Providers: Third-party companies that help us operate our business, such as payment processors, document verification services, and IT providers. These providers are contractually required to protect your information.
• Legal and Regulatory: When required by law, court order, subpoena, or regulatory request.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate notice.

Data Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL encryption for all data transmissions, secure data storage with restricted access controls, regular security assessments and vulnerability testing, and employee training on data protection and privacy compliance.

While we take reasonable precautions to protect your information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to access, correct, delete, or request a copy of your personal data. To exercise these rights, contact us at privacy@unitedautocreditusa.com.

Cookies

Our website uses cookies — small text files stored on your device — to improve your browsing experience, analyze site traffic, and remember your preferences. You can control cookie settings through your browser. Disabling cookies may limit some website functionality.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child under 18, we will take steps to delete that information.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

United Auto Credit USA
Privacy Department
Email: privacy@unitedautocreditusa.com