Privacy Policy

This Privacy Policy explains how Carcredithub (referred to as "we," "our," or "us") collects, uses, discloses, and protects your personal information when you interact with our website https://carcredithub.com (the "Website"). Your privacy is critically important to us, and we are committed to protecting your personal data while complying with applicable privacy laws in the United States.
1. Information We Collect
We may collect the following categories of personal information:
1.1 Basic Customer Information

• Name (first and last).
• Contact details (email, phone number, and physical address).

1.2 Financial Information

• Income details (monthly or annual income).
• Employment status (employed, self-employed, retired, etc.).
• Job tenure (time at your current position).
• Credit score range (if provided).
• Bankruptcy history (if applicable).

1.3 Loan Request Details

• Desired loan amount.
• Loan type (new car, used car, refinance, lease buyout).
• Preferred loan term (e.g., 36, 48, or 60 months).
• Down payment amount.

1.4 Vehicle Information

• Vehicle type, make, model, year, and mileage (if applicable).
• Condition (new or used).

1.5 Additional Information

• Marital status.
• Number of dependents.
• Homeownership status (homeowner or renter).
• Time at current residence.
• Co-signer availability.

1.6 Usage Data and Cookies

• IP address, browser type, device information, and browsing behavior for analytical and functional purposes.
• Cookies to enhance your experience and provide personalized content.

2. How We Use Your Information
We use your personal information to:

• Process loan applications and provide tailored loan options.
• Share information with trusted third parties, such as lenders, for loan evaluation.
• Improve website functionality and user experience.
• Comply with legal obligations.

3. Disclosure of Your Information
We may share your information:

• With Lenders: To help match you with appropriate loan offers.
• With Service Providers: To perform services on our behalf (e.g., payment processing, data analysis).
• For Legal Reasons: To comply with applicable laws, regulations, or legal proceedings.

4. Your Rights
Depending on your state of residence, you may have the following rights:

• Access: Request details about the personal information we collect and process.
• Correction: Request updates to your personal information if it is inaccurate.
• Deletion: Request that we delete your personal information, subject to legal exceptions.
• Data Sharing Opt-Out: Opt out of sharing your data with third parties for certain purposes (e.g., targeted advertising).

You can exercise these rights by contacting us at info@carcredithub.com or by submitting a request through our Website.
5. Security of Your Information
We take appropriate technical, organizational, and legal measures to protect your information from unauthorized access, use, or disclosure. However, no system is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Policy unless a longer retention period is required by law.
7. Cookies and Tracking
We use cookies and similar technologies to enhance your experience on our Website. You can control cookie preferences through your browser settings.
8. Children's Privacy
Our Website is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
9. Updates to This Privacy Policy
We may update this Policy periodically. The updated Policy will be posted on our Website with the "Effective Date" at the top.
10. Contact Us
If you have any questions about this Privacy Policy or how your information is handled, you can contact us at:
Carcredithub
Email: info@carcredithub.com
Website: https://carcredithub.com