Your Privacy is Our Concern
Date Last Revised: 07/16/2013
Information We Collect
We collect the following types of public and non-public personally identifiable information about you on our site which is then transferred to our affiliates (such as dealer networks):
- Information obtained from you on applications and other forms, and from other sources used to process your request for one or more of our products or services (e.g., your name, address, employment history, income, credit balances, property insurance coverage and other representations made by you).
- Information arising from your transactions with us or our affiliates (e.g., your payment history, account balance and other transactional information) to fulfill the service you have requested such as auto buying, financial services providers, such as mortgage and life insurance agencies, and auto finance services.
Other Information We Collect
- We collect name, email address, and comments in our BLOG area of the site if you choose to make a comment. See “BLOG” section below.
Who We Share Your information With and Why
Except as discussed herein (sharing with our affiliates and service providers), we will only share non-public personally identifiable information about you with non-affiliated third parties as permitted by law or with your consent. We do not share your information with our affiliates for unknown or unrelated purposes.
To provide you with superior service, inform you of product and service opportunities that may be of interest to you that you have requested to receive, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of affiliated companies: auto buying services, financial service providers, such as mortgage and life insurance agencies, and auto finance companies. If you do not want us to share this information with our affiliated companies, do not use our site. The primary purpose of this site is to facilitate the interaction between you and our affiliated companies.
Access to Personally Identifiable Information
If you wish to have a blog posting removed you may do so by contacting firstname.lastname@example.org. See “BLOG” below.
If your personally identifiable information changes that we have transferred to an affiliate, you may correct, update, or delete your information by contacting the affiliated company in accordance with their access policies.
Security of Your Personally Identifiable Information
U.S. Patriot Act of 2001 Disclosure
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. When you apply for or open an account, we will ask for your name, address, date of birth and other information that will allow our Financial Institution Partners to identify you.
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 information. We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We save session ID in persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. If you prefer not to accept cookies, most browsers will explain how to disable cookies under the help portion of the toolbar or notify you when you receive a new cookie.
Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site.
Clear Gifs (Web Beacons/Web Bugs)
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ identifiable information.
The information that you post to our BLOG will be displayed publicly. Please do not post your full name or any personally identifiable or sensitive information. If you wish to have a blog posting removed you may do so by contacting email@example.com.
Communications From This Site
No communication will come to you from www.buyingadvice.com unless you have sent us an email, then we will respond to you. You may not opt out receiving our response emails. All other communication that you receive by requesting services on our site will come from our affiliate companies. If you no longer wish to be contacted by the affiliated company, please contact them directly.
Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by Buying Advice. Please be aware that we 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.
This privacy statement applies only to information collected by this Web site.
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 leave a comment in our blog but do not wish us to retain your e-mail address, you can indicate your preference on our comments form.
You will be notified when your personally identifiable information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site. If IsoTree, LLC is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personally identifiable information, as well as any choices you may have regarding your personally identifiable information, and to any other third party with your prior consent to do so.
Our Former Customers
We treat information about our former customers in the same manner as we treat information about our current customers.
For Vermont Residents
The information-sharing practices described above are in accordance with federal law. Vermont law places additional restrictions on sharing information about Vermont residents, for as long as they remain Vermont residents. In accordance with Vermont law:
- We will not share consumer credit reports with our affiliates without your consent, and
- We will only disclose your name, contact information and our own transaction and experience information to other financial institutions with which we have joint-marketing arrangements. Otherwise, we will share information in accordance with all of the practices described above
For any other issues, please contact our customer service department at firstname.lastname@example.org. Our mailing address is: 774 Mays Blvd Ste 10-353, Incline Village, NV 89451-9613