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By clicking the 'Submit',
‘Get My Loan’ or other button at the bottom
of the form which begins the processing of your application,
you certify that all of the statements in the application
are true and complete and are made for the purpose of
obtaining credit. You authorize reliableautoloans.com
to share your application and related information with
its lending partners in order to complete the processing
of your application. You authorize reliableautoloans.com
and its lending partners to retain and rely on your
application and to access your credit report in order
to evaluate your credit application. In addition, you
acknowledge that you have read the state-specific
notices related to your application and
agree to receive Electronic
Documents By clicking the 'Submit', ‘Get
My Loan’ or other button at the bottom of the
application form which starts the process, you further
authorize reliableautoloans.com third-party
lending institutions to share information in your application,
and any other credit information they obtain, with other
third parties who may be able to offer or arrange for
a direct loan and/or auto dealer financing.
Consent
for Electronic Documents
CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE
ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE
ACT
Please read this information carefully and print
a copy and/or retain this information electronically
for future reference.
Introduction. You are submitting
an electronic credit application for auto financing
("Application") to reliableautoloans.com
or one of our auto finance partners or affiliate websites.
By consenting to receive information electronically
at our web site(s) or via email, you will receive certain
information and disclosures electronically (“Documents”),
including the following: Credit Application, State Law
Disclosures, Privacy Policy, and notices of our credit
decisions. This Consent for Electronic Documents informs
you of your rights when receiving these Documents electronically.
By consenting below, you acknowledge receipt of this
Consent for Electronic Documents, and agree to the electronic
delivery of Documents via the internet to the e-mail
address designated on your Application.
Hardware and Software Requirements.
Before you decide to receive your Documents electronically,
you must determine if you have the necessary hardware
and software described below to access and retain these
Documents electronically. To access your Documents,
you will need an electronic mailing address, Adobe
Acrobat Reader, and a personal computer or other
access device which is capable of accessing the internet.
To retain your Documents, your access device must have
the ability to either download to your hard drive or
any external media storage, or print web pages as well
as embedded HTML files.
Withdrawing Consent. With the exception
of email communications and notices of our credit decisions,
you may withdraw your consent to receive your Documents
electronically at any time by contacting us by email
at email at reliableautoloans.com.
In these circumstances, we will continue the financing
process in non-electronic form at no charge. If you
decide to withdraw your consent, the legal validity
and enforceability of prior electronic Documents will
not be affected, and except as provided in this paragraph,
you will not have the option to later receive your Documents
electronically.
Copies. If you wish to obtain a paper
copy of any of the Documents, contact us by email at
privacy at reliableautoloans.com
and request a copy at no charge.
Updating Your Contact Information.
To update your electronic or mailing address, contact
us by email at info at reliableautoloans.com.
CONSENT AND ACKNOWLEDGMENT.
BY CHECKING THE CONSENT BOX, YOU CERTIFY THAT:
- YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY, AND ACCESS
AND RETAIN ANY DOCUMENTS RECEIVED;
-
YOU HAVE (OR HAVE ACCESS TO) A
DESKTOP OR LAPTOP PERSONAL COMPUTER WITH A WEB BROWSER
THAT SUPPORTS, AT A MINIMUM, 128 BIT ENCRYPTION;
-
YOU HAVE THE ABILITY TO RECEIVE
AND READ EMAIL;
-
YOU AGREE TO RECEIVE DOCUMENTS
ELECTRONICALLY AND CONFIRM THAT YOU WILL DOWNLOAD
OR PRINT DOCUMENTS FOR YOUR RECORDS;
-
YOU ACKNOWLEDGE THAT YOU CAN ACCESS
INFORMATION THAT IS PROVIDED ELECTRONICALLY AT THIS
WEB SITE AND THE WEB SITE(S) AT WHICH YOU SUBMIT
THIS APPLICATION;
-
YOU ACKNOWLEDGE THAT SUCH ACTION
CONSTITUTES YOUR SIGNATURE TO THE CREDIT APPLICATION;
-
YOU ACKNOWLEDGE THAT YOU ARE PROVIDING
YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS
PURSUANT TO THE ELECTRONIC SIGNATURES IN GLOBAL
AND NATIONAL COMMERCE ACT AND INTEND THIS STATUTE
TO APPLY TO YOUR TRANSACTIONS WITH US TO THE FULLEST
EXTENT POSSIBLE.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT
FOR YOUR RECORDS.
Privacy
Policy
Pursuant to Gramm Leach Bliley Act &
16 C.F.R. Title 313
reliableautoloans.com its websites
and affiliates take the position that privacy is a
very serious matter and an essential part of our relationship
with customers. We take your personal privacy seriously.
We aim to safeguard your privacy, while offering you
the opportunity to apply for credit to obtain an automobile
loan through our network of participating auto dealers
nationwide and affiliate partners.
In connection with your application for credit, reliableautoloans.com
may acquire information about you, which is handled
as stated in this notice.
We collect nonpublic personal information about you
from the following sources:
-
Information we receive from you
on the actual credit application, such as Name,
Address, Social Security number, Monthly Income,
date of birth, etc.
Social Security Numbers are required
on the application form. When you enter your social
security number on our form we encrypt is using
secure socket layer technology (SSL).
-
We request your authorization to
receive information from a consumer reporting agency
(credit bureau). That authorization is transmitted
to a participating automobile dealer or affiliate
partner in our network, who will actually request
and receive your credit report.
-
Uses of Information – We
use the information provided by you on the application
form to assist in finding financing of a motor vehicle
within our national new and used car dealer network
or one of our affiliate partners. We also use this
information to present other offers of interest
that you have not specifically opted out of.
-
Correspondence - The information
you provide when communicating in writing, by phone
or online with our customer service representatives.
We do share information about our customers, their
accounts or transactions to others for their use
as described in this Privacy Policy.
-
Personally identifiable information
– We share personally identifiable information
with partners as it relates to offers and promotions
where you have opted in.
When we do share information it is limited to the
information necessary for the particular circumstance
and only under strict controls to prevent misuse.
We maintain strict physical, electronic and procedural
safeguards that comply with all state and federal
regulations to guard your nonpublic personal information.
We use this information to evaluate your application,
and to locate a participating auto dealer or affiliate
partner who can continue the process of assisting
you in obtaining an auto loan or purchasing an automobile.
With your consent, we may inform you of offers for
other services offered by third parties.
We do not disclose or sell your information to non-affiliated
third parties, except with your prior consent.
Choice/Opt-Out
We provide you the opportunity to ‘opt-out’
of having your personally identifiable information
used for certain purposes, when we ask for this information.
For example, if you complete our loan application
but do not wish to receive any additional marketing
material from us or our partners, you can indicate
your preference to opt-in or opt-out on our application
form. You may opt-out of any special promotions or
offers at anytime by sending an email requesting to
opt-out to admin at reliableautoloans.com.
Cookies
"Cookies" are small computer files which
are automatically placed on your computer's hard drive
when you are connected to a website. At the present
time, we do not use cookies to gather information
about our customers.
Log Files
As is true of most Web sites, we gather certain information
automatically and store it in log files. This information
includes internet protocol (IP) addresses, browser
type, internet service provider (ISP), referring/exit
pages, operating system, date/time stamp, and clickstream
data. We link this automatically collected data to
personally identifiable data. IP addresses are linked
to personally identifiable information for security
purposes.
Sharing Information
reliableautoloans.com may disclose information
about you to the following types of third parties:
reliableautoloans.com affiliates- auto
dealerships or other lenders in your region who may
be able to assist you in the auto loan application
process.
This Privacy Policy applies to consumers that have
signed up on the reliableautoloans.com
affiliated websites. We may use the personal information
that you supply to us and work with other third party
businesses to bring selected retail opportunities
to our members via direct mail, email and telemarketing.
These businesses may include providers of direct marketing
services and applications, including lookup and reference,
data enhancement, suppression and validation and email
marketing.
reliableautoloans.com does not knowingly
offer its credit application to minors.
Links to Other Sites
This Web site contains links to other sites that are
not owned or controlled by reliableautoloans.com.
Please be aware that we, reliableautoloans.com,
are not responsible for the privacy practices of such
other sites.
We encourage you to be aware when you leave our site
and to read the privacy statements of each and every
Web site that collects personally identifiable information.
Security
The security of your personal information is important
to us. When you enter sensitive information (such
as credit card number and/or social security number)
on our registration or order forms, we encrypt that
information using secure socket layer technology (SSL).
To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html
.
We follow generally accepted industry standards to
protect the personal information submitted to us,
both during transmission and once we receive it. No
method of transmission over the Internet, or method
of electronic storage, is 100% secure, however. Therefore,
while we strive to use commercially acceptable means
to protect your personal information, we cannot guarantee
its absolute security.
If you have any questions about security on our Web
site, you can send email us at admin
at reliableautoloans.com.
This privacy statement applies only to information
collected by this Web site.
State Specific Notices
Indiana California New
York Ohio Rhode
Island Vermont Wisconsin Maine Delaware
Indiana Applicants, reliableautoloans.com
and its dealer affiliates have express permission
to contact you by telephone, provided you have given
your telephone number in the application.
California Applicants:
If married, you may apply for a separate account.
New York Applicants:
In connection with your application for credit, the
dealer to whom this application is delivered may request
a consumer report which contains information on your
credit worthiness, credit standing, personal characteristics
and general reputation. If the dealer grants you credit,
it (or its assignee) may order additional consumer
reports in connection with any update, renewal or
extension of the credit. If you ask the dealer, it
will tell you whether it obtained a consumer report
and, if it did, it will tell you the name and address
of the consumer reporting agency that gave it the
report.
Ohio Applicants:
The Ohio laws against discrimination require that
all creditors make credit equally available to all
credit worthy customers, and that credit reporting
agencies maintain separate credit histories on each
individual upon request. The Ohio civil rights commission
administers compliance with this law.
Rhode Island Applicants:
A consumer report may be requested in connection
with this application.
Vermont Applicants:
By submitting my (our) application, I (we) authorize
the dealer I chose on my (our) application and its
employees, agents and potential assignees to obtain
and verify information about me (us) (including one
or more credit reports, information about my (our)
employment and banking and credit relationships) that
any of them may deem necessary or appropriate in evaluating
my (our) application. If my (our) application is approved
and credit is granted, I (we) also authorize such
parties to obtain additional credit reports and other
information about me (us) in connection with reviewing
the account, increasing the available credit on the
account (if applicable), taking collection on the
account, or for any other legitimate purpose.
Wisconsin Applicants:
No provision of a marital property agreement, a unilateral
statement under Wis. Rev. Stat. § 766.59 or a
court decree under Wis. Rev. Stat. § 766.70 adversely
affects the interest of the creditor unless the creditor,
prior to the time the credit is granted, is furnished
a copy of the agreement, statement or decree or has
actual knowledge of the adverse provision when the
obligation to the creditor is incurred
For Maine Applicants
You have the right of free choice in the selection
of the agent and insurer through or by which insurance
in connection with a loan is to be placed. Obtaining
insurance products from a particular agent or broker
does not affect credit decisions by the lender.
For Delaware Applicants
1. Notification - Every licensee shall furnish to
every applicant, a copy of this regulation at the
time when such application is made. Posting of this
regulation in the office of the licensee in a place
both prominent and easily visible to all potential
applicants shall satisfy this requirement. An explanation
as to the contents and limitations contained herein
shall satisfy this requirement when transactions occur
telephonically. An informational screen containing
these limitations with an affirmative acknowledgement
by the consumer, prior to application, shall satisfy
this requirement for internet transactions.
2. Interest
a. A lender may charge and collect
interest in respect to a revolving credit plan or
closed-end loan at such a daily, weekly monthly, annual,
or other periodic percentage rate or rates as the
agreement governing the plan or loan provides, or
as established in the manner provided in such agreement.
Periodic interest may be calculated on a revolving
credit plan using any balance computation method provided
for in the agreement governing the plan. Periodic
interest may be calculated on a closed-end loan by
way of simple interest or such other method as the
agreement governing the loan provides.
b. If the agreement governing the
revolving credit plan or closed-end loan so provides,
the periodic percentage rate or rates of interest
may vary in accordance with a schedule or formula.
Such periodic percentage rate or rates may vary from
time to time as the rate determined in accordance
with such schedule or formula varies and such periodic
percentage rate or rates, as so varied, may be made
applicable to all or any part of the outstanding unpaid
indebtedness or outstanding unpaid amounts. In the
case of revolving credit, such rate shall become applicable
on or after the first day of the billing cycle that
contains the effective date of such variation. In
the case of closed-end loan transactions, such rate
may be made applicable to all or any part of the outstanding
unpaid amounts on and after the effective date of
such variation. Without limitation, a permissible
schedule or formula hereunder may include provisions
in the agreement governing the revolving credit plan
or closed-end loan agreement for a change in the periodic
percentage rate or rates of interest applicable to
all or any part of outstanding unpaid indebtedness
or outstanding unpaid amounts, whether by variation
of the then applicable periodic percentage rate or
rates of interest, variation of an index or margin
or otherwise, contingent upon the happening of any
event or circumstance specified in the plan or agreement,
which event or circumstance may include the failure
of the borrower to perform in accordance with the
terms of the revolving credit plan or loan agreement.
3. Additional Fees and Charges; Limitations - If
the agreement governing the plan or loan so provides,
in addition to, or in lieu of, interest at a periodic
percentage rate or rates permitted by Chapter 22,
Title 5 of the Delaware Code, the licensee may charge
and collect the following fees and charges, subject
to the limitations provided below, in respect to revolving
credit plans or closed-end loans:
a. Revolving Credit - with respect
to a borrower, a lender may charge, collect, or
receive one or more of the following fees and charges
under plans subject to the provisions of Subchapter
II, Chapter 22, Title 5 of the Delaware Code:
i. periodic charges
- a daily, weekly, monthly, annual or other periodic
charge, in such amount or amounts as the agreement
may provide for the privileges made available to
the borrower under the plan;
ii. transaction charges - a transaction
charge or charges in such amount or amounts as the
agreement may provide for each separate purchase
or loan under the plan;
iii. (iii) minimum charges - a
minimum charge, in such amount or amounts as the
agreement may provide for each daily, weekly, monthly,
annual or other scheduled billing period under the
plan during any portion of which there is an outstanding
unpaid indebtedness under the plan;
iv. (iv) fees for services rendered
or reimbursement of expenses - reasonable fees for
services rendered or for reimbursement of expenses
incurred in good faith by the licensee or its agent
in connection with such loan, including without
limitation, commitment fees, official fees and taxes,
premiums or other charges for any guarantee or insurance
protecting the licensee against the borrower's default
or other credit loss, or costs incurred by reason
of examination of title, inspection, recording and
other formal acts necessary or appropriate to the
security of the loan, filing fees, attorney's fees,
and travel expenses. In the event a borrower defaults
under the terms of a plan, the licensee may, if
the borrower's account is referred to an attorney
(not a regularly salaried employee of the licensee)
or to a third party for collection and if the agreement
governing the revolving credit plan so provides,
charge and collect from the borrower a reasonable
attorney's fee. In addition, following a borrower's
default, the licensee may, if the agreement governing
the plan so provides, recover from the borrower
all court, alternative dispute resolution or other
collection costs (including, without limitation,
fees and charges of collection agencies) actually
incurred by the licensee;
v. (v) over limit charges - a charge
in such amount or amounts as the agreement may provide,
for each daily, weekly, monthly, annual or other
scheduled billing period under the plan during any
portion of which total outstanding indebtedness
exceeds the credit limit established under the plan;
vi. (vi) delinquency charges -
a late or delinquency charge upon any outstanding
unpaid installment payments or portions thereof
under the plan which are in default; provided, however,
that no more than 1 such late or delinquency charge
may be imposed in respect of any single such installment
payment or portion thereof regardless of the period
during which it remains in default; and provided
further, however, that for the purpose only of the
preceding provision all payments by the borrower
shall be deemed to be applied to satisfaction of
installment payments in the order in which they
become due.
vii. (vii) returned check charges
- a returned check charge may be assessed to consumers,
in such amount or amounts as the agreement may provide,
provided the amount(s) of such charges are customary
and reasonable for checks that are returned unpaid.
viii. (viii) termination fees -
a charge in such amount or amounts as the agreement
may provide to terminate revolving credit plan.
ix. (ix) charges incurred in connection
with real estate secured transactions - in the case
of revolving credit secured by real estate such
additional charges as outlined in item (3)(c) of
this regulation may also be collected within the
limitations stated therein.
b. Closed-end Credit - with respect
to a borrower, a lender may charge, collect, or
receive one or more of the following fees for loans
subject to the provisions of Subchapter III, Chapter
22, Title 5 of the Delaware Code:
i. fees for services
rendered or reimbursement of expenses - reasonable
fees for services rendered or for reimbursement
of expenses incurred in good faith by the licensee
or its agent in connection with such loan, including
without limitation, commitment fees, official fees
and taxes, premiums or other charges for any guarantee
or insurance protecting the licensee against the
borrowers default or other credit loss, or costs
incurred by reason of examination of title, inspection,
recording and other formal acts necessary or appropriate
to the security of the loan, filing fees, attorney's
fees, and travel expenses. In the event a borrower
defaults under the terms of the loan, the licensee
may, if the borrower's account is referred to an
attorney (not a regularly salaried employee of the
licensee) or to a third party for collection and
if the agreement governing, or the bond, note or
other evidence of, the loan so provides, charge
and collect from the borrower a reasonable attorney's
fees. In addition, following a borrower's default,
the licensee may, if the agreement governing, or
the bond, note or other evidence of, the loan so
provides, recover from the borrower all court, alternative
dispute resolution or other collection costs (including,
without limitation, fees and charges of collection
agencies) actually incurred by the licensee;
ii. deferral charges - a deferral
charge may be assessed to a borrower in accordance
with an agreement to permit the borrower to defer
installment payments of a loan;
iii. delinquency charges - if the
agreement governing the loan so provides, a late
or delinquency charge may be imposed upon any outstanding
unpaid installment payment or portions thereof under
the loan agreement which are in default; provided,
however, that no more than 1 such delinquency charge
may be imposed in respect of any single such installment
payment or portion thereof regardless of the period
during which it remains in default; and provided
further that no such delinquency charge may exceed
5% of the amount of any such installment or portion
thereof in default;
iv. returned check charge - if
the agreement governing the loan so provides, a
returned check charge may be assessed to consumers
for checks that are returned unpaid provided the
amount(s) of such charges are customary and reasonable.
v. charges incurred in connection
with real estate secured transactions - in the case
of closed end credit secured by real estate such
additional charges as outlined in item (3)(c) of
this regulation may also be collected within the
limitations stated therein.
c. Real Estate Secured Transactions
- with respect to a borrower, a lender may charge,
collect, or receive one or more of the following
fees and charges subject to the limitations herein,
for loans subject to the provisions of Subchapters
II (Revolving Credit) and III (Closed-End Credit),
Chapter 22, Title 5 of the Delaware Code when such
loans are secured by real estate:
i. loan origination
points - points charged to the borrower on the lender's
behalf for any purpose other than to reduce the
periodic interest rate applicable to the mortgage
loan may not exceed 10% of the principal amount
of the loan. Such points may be deducted from the
gross proceeds of the loan. For purposes of this
regulation "gross proceeds" is the amount
financed as defined in Federal Reserve Regulation
Z;
ii. loan discount points - points
charged to the borrower as a function of rate for
the purpose of reducing the periodic interest rate
applicable to the mortgage loan. Such points may
be deducted from the gross proceeds of the loan;
iii. property appraisal fees -
property appraisal fees shall be limited to the
amount paid to a third party for such appraisal
and shall be limited to those amounts that are customary
and reasonable;
iv. credit report fees - credit
report fees shall be limited to the actual cost
of the report if paid to a third party, not an employee
of the lender or affiliate. Such amounts shall be
customary and reasonable;
v. mortgage loan broker compensation
fees - mortgage loan broker compensation may be
deducted from the gross proceeds of the loan. Such
amounts shall reasonably reflect the value of the
goods, services and facilities provided;
vi. tax certification and service
fees - fees for agreements to provide certification
of the current tax status of the property as well
as fees for ongoing monitoring and notice to the
lender of all tax and improvement lien payments
as they become due shall be limited to those amounts
actually expended for such purposes. Such amounts
shall be customary and reasonable;
vii. flood hazard certification
or determination fees - determination fees may be
charged for determining whether the property is
or will be located in a special flood hazard area.
This fee may also include the cost of life-of-loan
monitoring. Such amounts shall be customary and
reasonable;
viii. title abstract/search/examination
and title insurance premiums - title insurance and/or
cost of a title certificate search, examination
and binder shall be limited to those amounts actually
expended for such purposes. Such amounts shall be
customary and reasonable and may, at the borrower's
discretion, include owner's coverage in addition
to lender's coverage;
ix. legal fees - legal fees incurred
in securing or closing a loan shall be limited to
amounts actually paid to an attorney not in the
employ of the lender, its parent, or affiliate,
and such charges shall not exceed those which are
customary and reasonable;
x. recording/satisfaction fees
- recording/satisfaction fees shall be limited to
those actually expended by the lender to any governmental
authority for protection of interest in collateral
tendered. The State Bank Commissioner may approve
the payment of alternative fees for this purpose
provided the amount of said fee (payable by the
borrower) shall not exceed the amount which would
be payable to any governmental authority for protection
of interest in collateral tendered;
xi. property survey fees - property
survey fees to obtain a drawing that delineates
the exact boundaries of a property, including lot
lines and placement of improvements on the property,
shall be limited to those amounts actually expended
for such purposes. Such amounts shall be customary
and reasonable;
xii. pest inspection fees - pest
inspection fees to cover inspections for terminates
or other pest infestation on the property shall
be limited to those amounts actually expended for
such purposes. Such amounts shall be customary and
reasonable;
xiii. fees incidental to loan closing
- other fees and charges including but not limited
to: odd days interest, hazard and mortgage insurance
premiums, escrow reserves, lender's inspection fees,
mortgage insurance application fees, assumption
fees, underwriting fees, document preparation fees,
settlement or closing fees, notary fees, funding
fees, fees for lead based paint or other inspections
and overnight mail fees may be charged and such
amounts shall be customary and reasonable;
xiv. prepayment penalties - a charge
in such amount or amounts as the agreement so provides
imposed in connection with the payoff and termination
of a revolving credit plan or closed end loan secured
by real estate;
xv. notwithstanding the provisions
of this item (3)(c) of this regulation, Licensed
Lenders who are making mortgage loans pursuant to
the rules, regulations, guidelines and/or loan forms
established by the State of Delaware or federal
governmental or quasi-governmental entity (including,
without limitation, the Federal Housing Administration,
the Government National Mortgage Association, the
Federal National Mortgage Association and the Federal
Home Loan Mortgage Corporation) shall be permitted
to charge and collect any fees, charges or sums
prescribed to be charged and collected in connection
with a mortgage loan originated pursuant to a lending
program conducted or supervised by any such entity.
reliableautoloans.com is committed
to protecting the privacy of consumers. If you have
any questions, comments or concerns regarding our
Privacy Policy and its implementation, please do not
hesitate to e-mail us at admin
at reliableautoloans.com.
Changes in this Privacy Statement
If we decide to change our privacy policy, we will
post those changes to this privacy statement or other
places we deem appropriate so that you are aware of
what information we collect, how we use it, and under
what circumstances, if any, we disclose it.
We reserve the right to modify this privacy statement
at any time, so please review it frequently. If we
make material changes to this policy, we will notify
you here, by email, or by means of a notice on our
home page.
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