Effective Date: December 20, 2015
Revised: January 1, 2022
Thank you for your interest in this auto financing online pre-qualification site (the “Site”), which is owned and operated by Detroit Trading Services, LLC (“Detroit Trading”). We encourage you to read the following Privacy Statement, which outlines how the Site and Detroit Trading collects, uses and maintains personal information from Site users. This Privacy Statement also outlines your rights as a consumer.
Detroit Trading hosts and maintains this Site to help you get pre-qualified for automotive financing online. When used in these Terms, Detroit Trading shall include any parent companies, affiliates, directors, officers, and employees.
The Site provides users with various services, including an online platform that enables users to get pre-qualified online for the finance of a new and/or used motor vehicle (the “Services”). By using the Site or by providing personal information to us, you agree to the terms set forth below (the “Terms”). We respect your privacy when you use our Site.
What This Privacy Statement Covers and Does Not Cover
This Privacy Statement covers Detroit Trading’s use of the personal information you submit. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household, and includes your first and last name, home mailing address, email address, phone number, information required to pull credit scores and/or verify income and/or any additional information that is not otherwise publicly available (“Personal Information”).
This policy does not cover the practices of companies that Detroit Trading does not own or control, or to people that Detroit Trading does not employ or manage, or to information collected by means other than those provided on this Site.
Information Detroit Trading Collects About You
Detroit Trading collects two (2) broad categories of Personal Information from individuals who use its Site:
- Personal Information Collected to Pre-Qualify You for an Automotive Loan on Behalf of our Clients: We collect information on behalf of vehicle dealers, auto finance companies, lenders, original equipment manufacturers and/or their related service providers and their representatives and/or affiliates (each a “Client”, collectively, “Clients”). For example, the information you provide to us when filling out a Form on the Site is collected by us on behalf of our Clients. In this context, Detroit Trading is acting as a service provider and the Personal Information captured is subject to the privacy notices of the Client on whose behalf it is collected. You can access a Client’s privacy notice by visiting their site, scrolling to the footer of the page and clicking on the applicable link.
- Personal Information Collected to Operate our Services: In order to operate and improve our services, we capture Personal Information automatically from the users when they interact with the Site. We also obtain information from our affiliates, public sources, or other sources.
Personal Information Collected on Behalf of our Clients. Detroit Trading collects Personal Information on behalf of our Clients and acting as a service provider when you:
> Use Our Quote Form to Pre-Qualify. For Automotive Financing. When you use our Site to pre-qualify for automotive financing, we ask for Personal Information such as your first and last name, home mailing address (including street number, street name, city, state and zip code) email address, phone number, time at address, whether you rent or own, monthly housing payment, social security number, employment and income history, home/mobile/work phone number(s) and/or related information to help us and our partners verify income and/or credit worthiness.
> Use Our Toll Free Number to Request Additional Information. When you call us, we, Detroit Trading, or an authorized service partner acting on our behalf, may request and collect additional Personal Information to learn more about you, your needs and, if you expressly consent to further contact, we will place you in contact with up to five (5) automotive dealers and/or partner affiliates who will contact you about your request. We, or an authorized service partner acting on our behalf, may also collect other information about the call, such as call duration and call disposition.
Personal Information Collected to Operate our Services: In addition to collecting Personal Information on behalf of our clients, Detroit Trading collects Personal Information as follows
- Cookies. Cookies are small identifiers sent from a web server and stored on your device for the purpose of identifying your browser and/or storing information or settings in your browser.
- Local Shared Objects. Local shared objects are used to store your preferences or display content based on what you have viewed on other websites. They are sometimes known as “Flash Cookies”, and are used to personalize your viewing experience.
- Web Beacons. Web beacons link web pages to web servers and their cookies.
- Data Technologies. Any other technology that may be developed to track and analyze online browsing patterns and provide more customized browsing experiences on the Site.
> Analytical Information. Detroit Trading uses automated methods to collect and aggregate information regarding general use of this Site. This is collected and stored in the form of user analytics, and it is used to help us improve user experience and the relevance of content that we provide and deliver. This analytical information may include, but is not limited to:
> Your IP address and the type of browser and operating system used.
> The date and time you accessed the Site and the pages you visited.
> Whether or not you linked from or to another website.
> Whether or not you open any email generated from the Site, and if so, the links that you click within the email.
> Your ISP or mobile carrier, and the type of handheld or mobile device that you used.
> Cookies, Local Shared Objects, Web Beacons and other Data Technologies. Detroit Trading automatically receives and records information on our server logs from your browser. This information may include, but is not limited to
> Publicly Posted Information. Detroit Trading may collect information that you make available to us and others via social media networks, forums, blogs, list serves, chat rooms or similar functionality. This information is public information that we or others may share or use in accordance with the law.
How Detroit Trading Uses and Shares the Personal Information It Collects
When Detroit Trading collects Personal Information on behalf of a Client, the Personal Information collected is provided to that Client and the Client uses the information to provide you with the products and services you requested. The Client may follow up with you about the nature of your request or use your Personal Information to communicate with you about your request in accordance to their respective privacy statements and/or privacy policies, which you can access via visiting the applicable Client’s website, scrolling to the footer and clicking on the applicable link. As service providers, we provide this information to our Clients pursuant to a written contract, in response to the business purpose of responding to your request for more information about the purchase, finance and/or service of a motor vehicle and in return for compensation provided by our Clients or otherwise. After you have used our Site and consented to receiving additional information about the purchase and/or finance of an automobile, we may also contact you with a manually dialed phone call and/or an additional communication to request and/or share additional information about your request.
In regards to the Personal Information collected to operate our services, we may use and share it in the following ways:
- For Everyday Business. Detroit Trading may share Personal Information collected to operate our services with group companies and entities that provide services to us for everyday business purposes such as managing your user account (if any), diagnosing technical issues, improving financial performance, improving user experience and evaluating our business.
- In Response to Legal Action. Detroit Trading will share your Personal Information to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
- To Prevent Fraud or Illegal Action. Detroit Trading will share your Personal Information when we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the Site’s Terms or Use, or as otherwise required by law.
- In the Context of a Merger or Acquisition: If we agree to sell, transfer or merge all or a portion of our business or assets, or in preparation for such operation under a non-disclosure agreement, in which case we will endeavor to ensure that the transferee agrees to use the Personal Information in a manner consistent with this notice.
- Combined with Other Sources. We may combine Personal Information that you provide to us with information we receive from our affiliates and other sources, as well as with other information that is automatically collected. The combined information may include information about vehicle history, your interests and activities, additional demographic data, your use of the Site, your use of other websites, devices and mobile applications and information from our affiliates and other sources, and may be used to verify the accuracy of the data that you submit and/or provide us and our partners with additional insight about your preferences and the nature of your online request.
Transferability Notice. By providing us with your Personal Information, you expressly consent to the onward transfer of this Personal Information to our Clients so that they can follow up to your request. You understand that your Personal Information will be used in accordance to the terms of the Privacy Statements and/or Privacy Policies of those Clients.
Verification of Vendors and Partners. As noted above, we may share your Personal Information – whether for compensation or otherwise – with Clients with whom we have a contractual relationship as a service provider and who wish to do business, or attempt to do business with you, so that they can follow up to your request regarding the purchase and/or finance of a motor vehicle. While we use good faith efforts to verify that such entities will promote products and services in response to the requests made by you while using our Site, we cannot, and do not, endorse them unless we expressly state otherwise.
Your Express Consent. By using the services on this Site, you expressly consent to give to us and to our Clients the right to contact you and to attempt to sell, finance and/or service a motor vehicle. Such contact may be made to the number that you provide, whether land line number or mobile phone number, using automated telephone dialing systems, text and/or pre-recorded messages. By submitting a quote form, you expressly consent to these methods of contact and the onward transfer of your consent to the parties who will be contacting you about your request. You also expressly consent to having a credit report pulled on you using the information you provided in the online quote form. Finally, you expressly consent to the packaging of your information and transaction of your information – for compensation or otherwise – to a Client of Detroit Trading.
Your use of this Site establishes a business or other applicable relationship with us for purposes of CAN-SPAM, the Telephone Consumer Protection Act and all other applicable law that addresses unsolicited commercial communications.
If you wish us to learn more about the data that we collect, opt-out from communications and/or refrain from providing your Personal Information in this manner, please see the opt-out information and contact information provided below.
You might be able to exercise choices regarding such companies using third-party tools. Information about those third-party tools is available at http://www.networkadvertising.org/choices/ and http://www.aboutads.info/choices/.
Additionally, most web browsers include a “do not track” setting. There is a lack of certainty among companies on the web about the impact of the setting on the information collected. If you enable that setting, it will not change what information is exchanged with your computer, or how that information is used, when you visit our website(s).
Detroit Trading uses commercially reasonable administrative, technical, personnel, and physical security measures designed to safeguard information about you in our possession against loss, theft and unauthorized use, disclosure or modification. Despite these measures, we cannot guarantee perfect security of networks, servers and databases we operate or that are operated on our behalf.
Your Data Rights
With regards to Personal Information Collected on Behalf of our Clients, you may have rights as stated in the respective privacy statements and/or privacy policies of the Client, which you can exercise following the steps outlined in their privacy notices which are accessible via visiting the applicable Client’s website, scrolling to the footer and clicking on the applicable link.
With regards to Personal Information Collected to Operate our Services Detroit Trading provides Site users the rights described below:
- Right to Request Access to the Information Collected and Shared. You have a right to request disclosure of the categories and specific pieces of Personal Information we have collected about you. Please see below for the methods for submitting such a request.
- Right to Delete. You have a right to request us to delete the Personal Information we have collected about you. Please see below for the methods for submitting such a request.
- Right to Opt Out from Communications. You have the right, at any time, to opt out of receiving communications from us. Please see below for the methods for submitting such a request
- Right to Opt Out from Information Being Sold. You have the right, at any time, to opt out of the sale of your Personal Information by one of our Clients to a third party. Please see below for the methods for submitting such a request, which we will share with our Client so that they can process.
- Right to Non Discrimination Related to Exercising Your Rights. We will not discriminate against you if you exercise any of these rights.
Methods to Submit a Request:
- Via Email: To exercise any of the aforementioned rights, please email us at: firstname.lastname@example.org, subject line “CarReady – Right to Request”. In the body of your email, please clearly state the right you would like to exercise (e.g. Right to Request Information Collected and Shared, Right to Request Information Sold, Right to Delete, Right to Opt Out from Communications and/or Right to Opt Out from Information Being Sold.”
- Via Phone: To exercise any of the aforementioned rights, please call us toll-free at 1-833-621-0227 and clearly indicate that you visited CarReady.com and would like to exercise your data rights. You will be asked what right you would like to exercise. Be ready to clearly disclose the data right you would like to exercise, e.g. Right to Request Information Collected and Shared, Right to Request Information Sold, Right to Delete, Right to Opt Out from Communications and/or Right to Opt Out from Information Being Sold.
Detroit Trading will comply with such requests as soon as is commercially practicable. This compliance may involve batch processing and other processes that may take ten (10) days or longer to process.
Limitations. Because your privacy is important to us, Detroit Trading extends the rights described above to all Site users regardless of whether they reside in a State that mandates them or not. Please note that your rights are subject to certain conditions and exceptions. For States that mandate and regulate these rights, Detroit Trading will comply with applicable law which provides for limitations (such as limitations under California law to the right to know based on our compliance with evidentiary privileges recognized under California Law) and exceptions (such as exceptions to the California right to erase under Cal. Civ. Code Sec. 1798.105(d).) For States where these rights are not mandated under applicable law, Detroit Trading will follow its own internal policies and procedures to consider and grant the rights and establish appropriate limitations.
Please also note that, on a case by case basis and in compliance with the California Consumer Privacy Act and any other state or federal statutes governing the collection and storage of Personal Information, we may continue to keep your Personal Information and any related information to the extent necessary to respond to any request involving your data rights above and/or respond to any governmental or legal proceedings.
Opt-Out Rescission. If you opt out per the process set forth above, but then either (a) provide your Personal Information to us again using the Site, (b) provide your Personal Information to us again using a related Site and/or quote form owned by a Detroit Trading affiliate or parent or (c) under other circumstances permit us to use your Personal Information, then we will regard your opt-out as rescinded.
Detroit Trading does not share Personal Information it collects to operate its services with third parties who are not Clients for the marketing purposes of those third parties who are not Clients.
Changes to this Privacy Statement
Detroit Trading may update this policy from time to time. If we make changes, we will revise the date at the top of this Privacy Statement. In some cases, we will also email users who have opted to receive communications from us, notifying them of the changes.
Other important information
The services that Detroit Trading offers on this Site are intended to be used by residents of the fifty (50) United States who are of the legal age to purchase and operate a motor vehicle in their state of residence. The information that these persons provide is stored on secure servers located in the United States.
This Privacy Statement, the use of your Personal Information and any dispute you may have related to such is governed by the laws of the State of Michigan, USA. By accessing this Form and by using the services offered on the Site, you consent to the exclusive jurisdiction and venue of the courts in Oakland County, Michigan, USA.
Questions and Suggestions
If you have questions or suggestions about this Privacy Statement or any experience you have had with the Site, please contact our parent company at:
Detroit Trading Services, LLC
Attn: Privacy Statement Inquiries
13335 15 Mile Road
Sterling Heights, MI 48312-4271
NOTICE: click here for important information about safe surfing from the Federal Trade Commission.
Privacy Statement - Abbreviated Terms
Effective Date: December 20, 2015
Revised: January 1, 2022
- TCPA – Auto Finance (place immediately below CTA where consumer inputs phone number and personal information)
- FCRA Consents – Auto Finance (place immediately below TCPA disclaimer)
- Vehicle Pricing (after Amount Financed CTA, in box)
- CCPA – Auto Finance (in Footer)
- Image Disclaimers (in Footer)
- Data Disclaimers (in Footer)
- Copyright Disclaimers (in Footer)
- Dynamic Payment Disclaimer
*Car Deal Finder and/or participating lenders, dealers or affiliates may contact me on any number I provide, whether a mobile phone number or a land line number, using automated telephone dialing systems, text and/or pre-recorded messages for telemarketing purposes. By providing a telephone number and completing a quote form, I am expressly consenting to these methods of contact. I understand that calls and messages to any mobile phone number may incur access fees from my cellular provider. I understand that consent is not required as a condition of these services.
[ ] I understand that by clicking the “GET PRE-QUALIFIED” button, I am providing “written instruction” under the Fair Credit Reporting Act (“FCRA”) authorizing Westlake Financial, its partners and/or its affiliates to obtain a personal credit profile and/or other information from Experian or a similar credit bureau for the sole purposes of credit pre-qualification.
Taxes and fees are estimated and may vary. This pre-qualification pricing and offer is based on the assumption of the accuracy and verification of the information you provided and does not constitute a determination of credit worthiness or a firm offer of credit.
© NOTICE: The automotive images or video contained here\in are owned by EVOX Productions LLC and are protected under United States and international copyright law.
© Certain automotive content displayed within this website Copyright DataOne Software and are protected under the United States and international copyright law. Any unauthorized use, reproduction, distribution, recording or modification of this content is strictly prohibited.
© 2022 Detroit Trading. All Rights Reserved.
*The Dealer Price and Estimated Monthly Payment are not an advertisement or offer for specific terms of credit. Payment amounts presented are estimates and are for illustrative purposes only. The Estimated Monthly Payment is based on a 48-month term, a down payment of $800, Annual Percentage Rate (APR) of 12.49%, taxes in the amount of $914, title fees in the amount of $408, doc fees in the amount of $55, smog fees in the amount of $50, smog certificate fees in the amount of $8 and no trade-in. If you change the Down Payment or Term, or if you trade in your current vehicle, the Estimated Monthly Payment will change. The payment amount does not include additional title, license or registration fees. Payment amounts may be different due to various factors such as fees, specials, and rebates, term, down payment, APR, trade-in, and applicable tax rate. Actual APR is based on the creditworthiness of the customer. Not all customers will qualify for the lowest rate. You, your dealer and/or lender will determine your actual APR. Please contact your selected dealer for program details and actual terms. The Dealer Price excludes transportation and handling charges, destination charges, taxes, title, registration, preparation and documentary fees, tags, labor and installation charges, insurance, optional equipment or packages and accessories