Honest Car Payment Privacy Policy and Text Notification Settings

 

Effective Date: September 4, 2025

Use of Data
We collect personal information to provide and improve our services, process your requests (prequalification, loan applications, customer support), communicate with you about your account or application, and—only if you opt in—send promotional offers.

Sharing of Data
We do not sell or share your personal information with third parties for marketing or promotional purposes.

Contact Information
Questions? Contact support@honestcarpayment.com or call us at (808) 534-1234

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)

    • 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 do not sell or share your personal information with third parties for marketing or promotional purposes.

We do not transfer personal information to external organizations for their own use.
We use service providers acting solely on our behalf (e.g., hosting, analytics, email/SMS delivery, security). They are contractually restricted from using your information for their own purposes and are not considered “external organizations” for this policy because they process data only to provide services to us.
We may disclose information when required by law or to protect rights, safety, and security.

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.

  • For SMS opt-out instructions, see Text (SMS) 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 security measures designed to prevent unauthorized access, disclosure, or sharing of your information, including encrypted transport (TLS), role-based and least-privilege access, audit logging/monitoring, and vendor due diligence for any service providers that process data on our behalf.

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 (SMS) Notification Settings

Purpose & Use
We collect your mobile number solely to send SMS related to registration, prequalification, loan application/account updates, customer support, and (if you opt in) limited promotional offers.

Sharing / Transfers
We do not sell or share mobile numbers, SMS consent details, or message content/metadata with third parties for marketing or promotional purposes.

We do not transfer SMS data to external organizations for their own use. We may use an SMS provider acting solely on our behalf to deliver messages; they are contractually restricted from using SMS data for their own purposes.

Opt-In / Opt-Out / Help
Message & data rates may apply. Reply STOP to opt out (you may receive a final confirmation). Reply HELP for help. You can also email support@honestcarpayment.com

Frequency
Transactional messages: as needed. Marketing messages: up to 4 msgs/month (only if you opt in).

Security & Retention
We use measures designed to prevent unauthorized access or sharing, including encrypted transport (TLS), role-based/least-privilege access, and system monitoring. We retain SMS data only as long as needed for customer care, compliance, and record keeping, then delete it.

If you have any questions or concerns regarding this privacy policy or the handling of your personal data, you can contact us using the following details:

Your data will not be transferred to external organizations.

 

 

Contact Us

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

We respond to inquiries within 5 business days.