The following Privacy Policy shall go into effect as of December 8, 2008.

The Information We Collect
This Privacy Policy applies to consumers that have signed up on the ApplyQuotes.com website. We may use the personal information that you supply to us and we share it with other third party businesses to bring selected 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, as well as other categories of business.

ApplyQuotes.com understands that privacy concerns are of utmost importance when it comes to the use of your personal information. Because we would like to assure you that we are committed to protecting your personal privacy, ApplyQuotes.com has created this privacy statement. We collect the information necessary to respond to your requests for our financial products and services, and the following discloses our information gathering and dissemination practices for this website: Our site's qualification form may require users to give us information such as your name, address, phone number, e-mail address, social security number, employment, income, credit history and other financial and personal information. This information gathering procedure allows ApplyQuotes.com to find you a lender that best meets your borrowing needs and is forwarded to the dealer/lender. We may use your customer contact information that you provided from the qualification form to send you additional information about our company and other promotional materials and programs from some of our partners. The customer's contact information may also be used by us and a designated dealer/lender and our/their service providers to evaluate your credit and to contact you when necessary. You may opt-out of receiving future mailings from us; see the opt-out section below. This site contains links to other sites. ApplyQuotes.com is not responsible for the privacy practices or the content of any other websites.

Collection and Use of Private Information

We collect the following types of Private Information about you from the following sources: Cookies
Cookies are pieces of information stored by your web browser on behalf of a web site and returned to the web site on request. This site may use cookies for two purposes: to carry data about your current session at the site from one web page to the next, and to identify you to the site between visits. If you prefer not to receive cookies, you may turn them off in your browser, or may set your browser to ask you before accepting a new cookie. Some pages may not function properly if the cookies are turned off. Unless otherwise notified on this site, we will not store data, other than for these two purposes, in cookies. Cookies remain on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties. Unless otherwise notified on this site, we do not use cookies to track your movement among different web sites and do not exchange cookies with other entities.

Tracking Pixels
ApplyQuotes.com uses clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. In addition, some ApplyQuotes.com affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their websites.

Information We Share With Others
In order to provide you to receive additional product and service offering which you may find of interest, we may disclose all Private Information about you with trustworthy and reputable third parties such as: If there is any information that we are legally required to provide to third parties, including but not limited to government agencies, law enforcement officials, in the context of court proceedings, to credit reporting agencies or to prevent fraud, we will comply with our legal obligations. Occasionally, when ApplyQuotes.com does not have a partner dealership available in a specific area to assist our consumers, we may forward your request for information to another reputable auto loan network. In such a case, you will become subject to the security and privacy policies that are posted on the associated website and if you wish to do so, you will have to opt out of disclosure through the associated website.

Viewing pages at ApplyQuotes.com
If you browse through our Web site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our Web site from another Web site, the address of that Web site.

Security
ApplyQuotes.com understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.

Special Notice To Vermont Residents
Vermont has adopted new consumer privacy regulations that may require financial institutions to obtain your consent prior to sharing nonpublic personal information about you with non-affiliated companies. If you are a resident of Vermont, we will not share nonpublic personal information we collect about you, your account or your transactions without your consent except as otherwise permitted by law.

Your California Privacy Rights
Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of ApplyQuotes.com who are California residents to request certain information regarding our disclosure of personal information for their direct marketing purposes. To make such a request, please send an e-mail to [create CA privacy e-mail address] or write us at:

[add address of CA privacy request]

How to Request that Your Information Not Be Shared
Many customers appreciate receiving information and offers about products and services that may be of interest and value to them. However, at ApplyQuotes.com, we recognize that it's your choice. If you prefer that we not disclose any nonpublic personal information about you to any nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). It generally takes up to thirty (30) days before your request becomes effective. If you do not want us to share any information that you have provided to us or that we have gathered, please let us know by e-mailing us through the link below or by writing us at ApplyQuotes.com, Attention Customer Service , Address here . Please include your name, address, and other identification information, such as your application number. Your request will apply to any of the information we have obtained in any transaction, such as your application. An opt-out request by any party on a joint account will apply to all parties on the joint account. If you have any other questions or concerns regarding your privacy at ApplyQuotes.com, or wish to opt out of disclosure of your information, you may contact our privacy department by sending an email to privacy@applyquotes.com.

Other Companies' Policies May Differ
Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. If you disclose your information to dealers or other parties that you are placed in contact with through our site or other sites throughout the Internet, different privacy policies may apply to their use or disclosure of the information you disclose to them. Since ApplyQuotes.com does not control the privacy policies of third parties, you are subject to the privacy policies of that third party and we encourage you to read their privacy policies or ask questions before you disclose your personal information to others.

Applicability of Changes
The revisions contained within this - Privacy Policy will only apply to data collected subsequent to the above effective date. All subsequent revisions shall apply to all data collected after the above effective date of this policy revision. Any future revisions will be posted at least 10 days prior to the effective date.

Revisions to this Policy and Your Acceptance of These Terms
By using this site and providing us with your information, you agree to the ApplyQuotes.com Privacy Policy. If you do not agree to this policy, please do not use our site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page frequently for changes. Your continued use of the ApplyQuotes.com site means you accept those changes. You can e-mail us with any further questions you may have.

This Privacy Policy Last Modified June 18, 2008