Privacy Policy
Welcome to the website (the “Site”) of Virtual F&I™ Inc. (“Virtual F&I™,” “we”,” us” and/or “our” ). This Site is operated by Virtual F&I, Inc. and our goal is to provide information about our company, the services we provide to consumers to assist in the process of purchasing vehicle service contracts and related products, including connections we make with brokers and dealers to let consumers purchase such contracts and products, and our mobile and virtual applications (together with the Site, the “Services”)to our Service visitors (“you”, “your”). We collect information to provide better services to all our users. The information we collect, and how that information is used, depends on how you use our services and how you manage your privacy controls. This Privacy Policy sets forth our policy with respect to information including personally identifiable information and data (“Personal Data”) and other information that is collected from visitors to the Site and Services.
Information We Collect
When you interact with us, we may collect Personal Data and other information from you, as further described below:
Personal Data That You Provide: We collect Personal Data from you when you voluntarily provide such information, including contacting us with inquiries, responding to one of our surveys, registering for access or using certain Services. When you create an account with Virtual F&I™, you provide us with personal information that includes your name and a password. You can also choose to add other personal information to your account. We also collect the content you create, upload, or receive from others when using our services. Wherever Virtual F&I™ collects Personal Data we make an effort to provide a link to this Privacy Policy.
By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. If you provide with Personal Data to Virtual F&I™, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Virtual F&I™, its partners, affiliates, and authorized third parties referred to herein located in the United States.
Non-Identifiable Data: When you interact with Virtual F&I™, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. Virtual F&I™ may store such information itself or such information may be included in databases owned and maintained by Virtual F&I’s affiliates, partners, agents, vendors or service providers. We may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors’ Internet service providers. It is important to note that no Personal Data is available or used in this process.
In operating Virtual F&I™, we may use a technology called “cookies.” A cookie is a small amount of data that the computer that hosts our Services gives to your browser when you access the Site. Our cookies help provide additional functionality to Virtual F&I™ and help us analyze Services usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access Virtual F&I™ without needing to remember and then enter a password more than once during a visit to the Site. In all cases in which we use cookies, we will not collect any Personal Data without your express permission. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features.
Trademarks and Copyright: All content included on this site, including, but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Virtual F&I™ or its dealership partners and is protected by international copyright laws. In addition, the compilation of all content on this Site is the exclusive property of Virtual F&I™ Inc., with copyright authorship for this collection by Virtual F&I™, and protected by international copyright laws.
No Virtual F&I™ trademarks nor trade dress may be used in connection with any product or service, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Virtual F&I™. All other trademarks not owned by Virtual F&I™ or its partners, affiliates or subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Virtual F&I™ or its subsidiaries.
Aggregated Personal Data: In an ongoing effort to better understand and serve the users of Virtual F&I™ conducts research on its customer demographics, interests and behaviors based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Virtual F&I™ may share this aggregate data with its affiliates, agents, vendors and business partners. This aggregate information does not identify you personally. Virtual F&I™ may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.
Location Information: Our Service may collect and use your location information to provide certain functionality of our Services. If you choose to enable our location features, your location information may be publicly displayed within the Service. Please keep in mind that other users can see this information about you, and they may use it or disclose it to other individuals or entities outside of our control and without your knowledge. Your location information may be subject to abuse, misuse, and monitoring by others, so please be careful if you choose to enable location functionality. We may also use your location information in an aggregate way, as described above in the “Aggregated Personal Data” section.
Analytics; Do Not Track Signals: We may (and we may allow third party service providers to) use cookies or other technologies to collect information about your browsing activities over time and across different websites following your use of Virtual F&I™. For example, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google Analytics”). Google Analytics uses cookies to help the website analyze how users use the Site and enhance your experience when you use the Service. For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/. Our Service currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, such action will be reflected in this Privacy Policy.
When this Policy Applies
This Privacy Policy applies to all the services offered by Virtual F&I™ and its affiliates and services offered on third-party sites. This Privacy Policy doesn’t apply to services that have separate privacy policies that do not incorporate this Privacy Policy.
This Privacy policy does not apply to (1) the information practices of other companies and organizations that use our services; and (2) services offered by other companies or individuals, including products or sites they offer that may include Virtual F&I’s services.
Our Use of Your Personal Data and Other Information
Virtual F&I™ uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to obtain access to Virtual F&I™, we will use your Personal Data to provide you with access to such services and to monitor your use of such services. Virtual F&I™ and its subsidiaries, partners and affiliates (the “Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Site to help us improve the content and functionality of Virtual F&I™, to better understand our users and to improve the Site. Virtual F&I™ and its affiliates and partners may use this information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each marketing communication we send you will contain instructions permitting you to “opt-out” of future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.
If Virtual F&I™ intends to use any Personal Data in any manner that is inconsistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.
Our Disclosure of Your Personal Data and Other Information
Virtual F&I™ is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice including:
· Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets or event.
· Related Companies: We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy.
· Agents, Consultants and Related Third Parties: We occasionally engage other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When employing other entities to perform functions of this nature, we only provide them with the information necessary to perform their specific function.
· Service-related Disclosures: We may share your information with third parties as may be necessary to provide certain Services to you. For example, if you ask us to contact a dealership to request a price quote from that dealership, we will share your information (including Personal Data) with that dealership (or its designee). If the relevant car listing was provided by a car manufacturer on behalf of a dealer, we may also share your information (including Personal Data) as part of the request with the automobile manufacturer and/or its affiliates. Similarly, if through the Service you request additional information from a financial institution, we will share your information (including Personal Data) with that institution. After the information is provided to such third parties, the subsequent use or disclosure of such information is subject to those third parties’ privacy policies and practices and we do not control their subsequent use or disclosure of information.
· Credit Checks: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. This information can include your Social Security number, income, account balances and payment history, credit history and employment information.
When this information is obtained, we use it to (1) process your transactions, (2) maintain your account(s), (3) respond to court orders and legal investigations, (3) report to credit bureaus, (4) market our products and service to you based on your specific information and (5) to facilitate the day to day business purposes of our affiliates such as information about your transactions and experiences. The aforementioned information is shared with our affiliates. By agreeing to these terms and conditions and completing this form, you acknowledge that you cannot limit this sharing. If you do not agree to these terms and conditions, you will not be able to use our products and services.
We do not share information about your creditworthiness with our affiliates nor information to market you. Information is kept confidential in our database and will not be shared elsewhere. To protect your privacy from unauthorized access and use, we utilize security measures that comply with federal and state law. including computer safeguards and secured encrypted files. We collect your information when you apply for financing, provide us with information related to your income employment history, account or give us your contact information. Under federal law, you have the right to limit access to your information to only sharing for affiliates’ everyday business purposes for information related to your creditworthiness, affiliates from using your information to market you, and sharing for nonaffiliates marketing to you.
· Legal Requirements: Virtual F&I™ may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (1) comply with a legal obligation, (2) protect and defend the rights or property of Virtual F&I™, (3) act in urgent circumstances to protect the personal safety of users of Virtual F&I™ or the public, or (4) protect against legal liability.
Exclusions
This Privacy Policy does not apply to any Personal Data collected by Virtual F&I™ other than Personal Data collected through the Site nor does it apply to any unsolicited information that you provide to Virtual F&I™ or through any other means. This includes, but is not limited to, information posted to any public areas of the Site, such as forums, ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Virtual F&I™ shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.
Children
Virtual F&I™ does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not submit any Personal Data through the Site. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data without their express permission. If you have reason to believe that a child under the age of 13 has provided Personal Data to Virtual F&I™, please contact us, and we will endeavor to delete that information from our databases.
Links to Other Websites
This Privacy Policy applies only to Virtual F&I™. Our Site may contain links to other third-party websites not operated or controlled by Virtual F&I™ (the “Third Party Sites”). The policies and procedures described here do not apply to the Third Party Sites. Links generated from by us do not imply or infer that Virtual F&I™ endorses or has reviewed the Third Party Sites. You are strongly encouraged to contact any Third Party Sites directly for information on their specific privacy policies.
Integrating Social Networking Services
One of the special features of the Service is that it offers the ability to enable or log into Virtual F&I™ via various social networking services such as Facebook, Instagram, X, (formerly known as “Twitter”) or Google (the “Social Networking Service(s)”). To take advantage of this feature, we will ask you to log into or grant us permission via the relevant Social Networking Service. When you add a Social Networking Services account to the Service or log into the Service using your Social Networking Services account, we will collect relevant information necessary to enable the Service to access that Social Networking Service and your data contained within that Social Networking Service. As part of such integration, the Social Networking Service will provide us with access to certain information that you have provided to the Social Networking Service, and we will use, store and disclose such information in accordance with this Privacy Policy.
The manner in which Social Networking Services use, store and disclose your information is governed by the policies of their respective services. Virtual F&I™ shall have no liability or responsibility for the privacy practices or other actions of any Social Networking Services that may be enabled within the Service.
You may also have the option of posting your Services activities to Social Networking Services when you access content through Virtual F&I™. You acknowledge that should you choose to utilize any of these features, your activity may be viewed by your friends, followers and subscribers on any Social Networking Services and that you have enabled such access.
Security
Virtual F&I™ takes reasonable physical, electronic, and procedural safeguards and measures to protect the Personal Data provided to us from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from us may not be secure. Therefore, you should familiarize yourself with this Privacy Policy and Terms and Conditions in addition to taking special care in deciding what information you send to us via email and when disclosing any Personal Data to Virtual F&I™ via the Internet.
Other Terms and Conditions
Your access to and use of the Site is subject to the Terms of Service.
Your Choices
You can visit the Site without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to utilize certain Services.
Changes to Our Privacy Policy
Our business may change from time to time. As a result, at times it may be necessary for Virtual F&I™ to make changes to this Privacy Policy. Virtual F&I™ reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before providing any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Site after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.
Access to Information: Contacting Us
To keep your Personal Data accurate, current, and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted.
Virtual F&I™, Inc.
199 Pomeroy Road
Suite 101
Parsippany, New Jersey 07054
Phone: (800)934-5148
Email: privacy@virtualfi.com
