Honest Car Payment Privacy Policy and Text Notification Settings

 

Effective Date: May 7, 2025

At Honest Car Payment, we are committed to protecting your privacy and providing transparency about how we collect, use, and share your information. This Privacy Policy and Text Notification Settings document explains our practices regarding personal information and your choices for receiving text communications.

Privacy Policy

1. Information We Collect

We collect information to provide auto refinancing services, connect you with lenders, and improve your experience. The types of information we collect include:

  • Personal Information:

    • First and last name

    • Email address

    • Phone number

    • Physical address

    • Date of birth

    • Social Security Number (only if you proceed with a loan application, with your consent)

    • Employment and income details

    • Credit score (if provided voluntarily or through a soft credit inquiry)

  • Vehicle and Loan Information:

    • Vehicle details (year, make, model, trim, mileage, VIN, or license plate number)

    • Current loan details (lender name, monthly payment, remaining balance, loan term)

  • Interaction Data:

    • Information from website interactions (e.g., IP address, browser type, pages visited)

    • Chat data (if you use our chat feature, provided by a third-party service like LiveChat)

    • Feedback, questions, or comments submitted via contact forms

  • Refinancing Application Data:

    • Prequalification code (if responding to a mail offer)

    • Co-borrower information (if applicable, including their name, address, and financial details)

We collect this information when you:

  • Visit our website (https://honestcarpayment.com/)

  • Apply for refinancing or prequalification

  • Engage with our chat feature or customer support

  • Respond to marketing offers (e.g., mail or email campaigns)

  • Voluntarily provide feedback or contact us

2. How We Use Your Information

We use your information to:

  • Match you with lenders in our network for auto refinancing or lease buyout loans

  • Process prequalification and loan applications

  • Conduct soft credit inquiries to provide personalized offers (no impact on your credit score)

  • Communicate with you about your application, offers, or account

  • Improve our services and website functionality

  • Send marketing communications (e.g., emails, texts, or mail) with your consent

  • Comply with legal obligations or resolve disputes

3. How We Share Your Information

We share your information with:

  • Lender Network: To match you with refinancing or lease buyout loan offers. Our network includes trusted financial institutions, credit unions, and community banks.

  • Third-Party Service Providers: For services like chat (e.g., LiveChat), payment processing, or data analytics. These providers are bound by confidentiality agreements and may have their own privacy policies (e.g., review LiveChat’s policy at LiveChat Privacy Policy).

  • Legal Authorities: If required by law, regulation, or to protect our rights, property, or safety.

  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to a successor entity.

We do not sell your personal information to third parties for marketing purposes without your explicit consent.

4. Your Choices and Rights

You have the following rights regarding your information:

  • Access and Update: Request access to or updates of your personal information by contacting us at support@honestcarpayment.com.

  • Opt-Out: Opt out of marketing communications (see Text Notification Settings below).

  • California Privacy Rights: If you are a California resident, you may request information about data shared with third parties under the California Consumer Privacy Act (CCPA). Submit requests to support@honestcarpayment.com.

  • Data Security: We use industry-standard encryption and security measures to protect your data, but no system is 100% secure. Report any concerns to support@honestcarpayment.com.

5. Cookies and Tracking

We use cookies and similar technologies to:

  • Enhance website functionality

  • Analyze user behavior

  • Personalize content and ads You can manage cookie preferences through your browser settings. Disabling cookies may limit some website features.

6. Third-Party Links

Our website may contain links to third-party sites (e.g., lender portals). We are not responsible for their privacy practices. Review their policies before sharing information.

7. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect information from minors.

8. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or a website notice. Check this page periodically for updates.

Text Notification Settings

1. Consent to Text Communications

By providing your phone number during prequalification, loan application, or account setup, you consent to receive text messages from Honest Car Payment, including:

  • Updates on your refinancing application or loan offers

  • Customer support responses

  • Marketing promotions (e.g., new refinancing rates or special offers)

Text messages may be sent via automated systems. Message and data rates may apply, depending on your mobile carrier.

2. Opting In

You can opt in to text notifications by:

  • Checking the consent box during the online application or prequalification process

  • Texting “START” to our designated number (provided during signup)

  • Contacting support to enable text notifications

3. Opting Out

You can opt out of text notifications at any time by:

After opting out, you may still receive transactional texts (e.g., application status updates) unless you fully unsubscribe from all communications.

4. Frequency

We aim to send no more than 5 marketing texts per month. Transactional texts (e.g., application updates) depend on your activity.

5. Support

For help with text notifications, text “HELP” to our designated number or email support@honestcarpayment.com.

Contact Us

For questions about this Privacy Policy or Text Notification Settings, contact:

We respond to inquiries within 5 business days.