Terms and Conditions

We appreciate your visit to AutoRatesNow.com (hereby called “Site”). AutoRatesNow.com and its partner companies are the exclusive owners of this site. (AutoRatesNow.com hereby referred to as “we” “our” or “us”).

It is important for visitors to this Site to understand that HIPAA does not apply to AutoRatesNow.com. The following Privacy policy (hereby called “Privacy Policy”) explains the privacy procedures associated with this Site. You agree with our Privacy Policy in full if you participate in any of the following actions:
(a) Use or access this Site
(b) Register on this Site for the purposes of acquiring data, services or any products from our third party vendors (hereby called “Third Party Providers”)
(c) Register on this Site for the purposes of obtaining services and/or products from AutoRatesNow.com.

In compliance with California's financial and protective security provisions for both clients and patients under HIPAA, neither is involved in or activated by this Privacy Policy.

Aggregation of Your Identifying Data

We collect your personally identifying data when you register to this Site in order to:

(a) Obtain information, products, services and/or
(b) Obtain products and services from our Third Party Providers and/or
(c) Attempt to obtain any of AutoRatesNow.com's products or services.

We also reserve the right to collect your personally identifying data if you agree to the terms in the Privacy Policy, but do not finish the registration process in full.

How We Use Your Personal Data

When you give your personal information to this Site, you agree that we can independently provide this information, including sensitive data, with Third Party Providers in order to complete requests for services and/or products that you are applying for. You further agree that these Third Party Providers may use your personal information for any lawful purpose, with exception to the limitations expressed within this Privacy Policy. The information that you provide to any Third Party Providers will be applicable to the Third Party Provider's own Privacy Policy. AutoRatesNow.com is not a provider for the products and services that are provided by Third Party Providers. The eventual terms and stipulations for any of the products and services supplied by any Third Party Provider will be controlled by the Third Party Provider.

With exception to the Sensitive Data, we reserve the right to rent, lease, sell or give away any of the personal information that you provide on this Site to any third parties and we may use this information with other organizations to provide retail opportunities to current and prospective clients. These organizations may include:

(a) Enterprises that provide direct marketing services and applications
(b) Email marketers
(c) Telemarketers where legal
(d) Text-based and SMS marketers where legal
(e) Direct marketers.

We may utilize third party agencies who provide specific services on our behalf such as electronic and direct mail, data compilation, data assessment and market analysis. We reserve the right to provide these third party agents with access to our clients' personal information in order for them to provide these services on our behalf, but we will not allow them to use your personal information for any other purpose outside the scope of the services that they are providing for us. We will also use your personal information to measure customer service or to contact you in order to complete transactions or for other activity on this Site. We may use your personal information to assess and manage our business and for other internal purposes. We may compile your personal information with information from other sources. We may also use third parties to help us run our business or Site and to supervise any associated activities on our behalf.

In addition to the aforementioned, we also reserve the right to disclose user's recent or previous information should we discover that the user is using or has used our products and or services in the following circumstances:

(a) If we see that the products and or services are being utilized in a manner that violates the Conditions and Terms of our Site, its Privacy Policy or operational policies, price scheduling or other terms and conditions.
(b) If we discover that the user committed illegal actions
(c) If the information is subpoenaed or requested by a legal or judicial entity
(d) If we are sold or acquired
(e) And without limits if it is necessary to disclose your information for suppression to comply with the Federal Trade Commission and CAN-SPAM Act of 2003.

In the future, we reserve the right to rent, lease, sell, disclose or distribute all personal information along with and or to any third party for the intentions and uses permitted by the Privacy Policy and by law without limitation. When you register for the Site, you agree that your registration establishes a query and/or request that fulfills the requirements of Amended Telemarketing Sales Rule and the state's Do-Not-Call regulations for allowed contact. We reserve the right to contact you through telemarketers in accordance with the Amended Telemarketing Sales Rule and any associated state Do-Not-Call regulations.

By submitting your personal information to this Site, you agree to receive mobile device marketing, including but not limited to text message marketing from our third party marketing and advertisement team within legal limitations. Although your phone number or mobile device information might be on the state or federal Do-Not-Call lists, we have the right to contact you through text-based marketing in accordance with federal and state laws. In addition, you consent to our right to sell, rent, lease or disclose your mobile phone number or mobile device information to any third party for non-marketing use that is allowed by law and this Privacy Policy.

Non-Personal Information

We reserve the right to obtain non-personal identification information about you when you visit this Site or any of its associated pages. This data may include, but is not limited to your browser type, your IP address, what kind of operating system your computer is using and information about your internet service provider including the domain name. We use this information to improve the specifications and content of this Site in order for us to personalize your experience on this Site. We reserve the right to use this information to appraise the use of this Site and to offer you products and services. We also reserve the right to use accumulated data about our Site's viewers for all legal functions. This accumulated data is information that depicts the target's demographics, Site use or any other cumulative attributes. When you visit and/or give your personal information to this Site, you consent to our right to provide this accumulated data to other third parties.

Cookies

A Cookie is a tiny chunk of data installed to your hard drive that includes non-personal information to identify you. When users visit this Site, we send a Cookie and/or gif image to provide identification to the user's internet browser. These Cookies help you to obtain more benefit from this Site. You can learn more about Cookies and how they affect your browsing experience at www.cookiecentral.com. Your internet browser has specific instructions if you would like to reject or disable certain Cookies. If you reject or disable a Cookie, your browser may still use the Promotion Website. We reserve the right to preserve and use the information gathered by this Cookie in perpetuity.

Third Party Hyperlinks

This Site contains hyperlinks that are owned and controlled by third party affiliates. When you use this Site, you may be transferred directly to these Third Party Provider's websites. AutoRatesNow.com is obliged to follow the privacy policies of these websites as well, which are unique and separate from our privacy practices. It is necessary for you to provide certain personally identifying information to these other websites to complete some transactions. We are not responsible for or liable to these third party site's privacy practices or data practices. These third party providers are free agents and not our affiliates. We do not endorse the accuracy of these third party site's privacy policies, conditions or terms.

Third Party Offers

When you visit this Site, we provide you with opportunities to receive special offers, products and/or services from third party providers. We will share the personally identifiable information that you provide during the application process to the appropriate third party providers that you choose to receive these offers from in order for them to provide the requested product or services. We do this for your convenience so that you will not be required to complete additional informational forms or collection forms in order to purchase or receive these products or services.

Unsubscribe/Opt-Out Options

By providing personally identifying information to this website, you have opted-in to the option for us to provide your personally identifying information with third parties for marketing purposes. When these third party providers contact you, it is your responsibility to inform them of your preferences regarding their use of and distribution of your personally identifying information. If you would like to opt-out to prevent the sharing of your personally identifying information with third parties, please email us at [email protected] right away. To prevent future emails from AutoRatesNow.com, please send an email with your request to us at [email protected]. A separate email list for various issues that might arise should be held by AutoRatesNow.com.

Minors

It is not allowed to gather information knowingly from minors under the age of 18. No information should be provided to the Site by minors who are younger than 18 years old. We advise all parents and guardians to spend time on the internet with their children in order to monitor their activity. Parents and guardians are also encouraged to actively participate in their children's internet activities in order to teach them safe information sharing and internet-use practices.

Security

All of the data that we gather is kept at a private location. We encrypt all sensitive data gathered during the application and registration process with SSL private software to protect this sensitive data during storage and transfer. We do everything in our power to protect user data offline as well. Unfortunately, even with the use of SSL privacy to protect data during transmission, no data transfer can be secure beyond all doubt. Because there is no way to absolutely ensure security of all data, and despite the fact that we do everything in our power to secure it, you transfer your information to us at your own risk. Once we receive your data, we immediately make every effort to ensure its security on our servers. Once this data is secured on our servers, access by others is limited and not available to the general public. We restrict access to all of the accrued data in our servers, both non-sensitive and sensitive. The only employees who have access to this information are those who must use it to perform a specific task. Employees who fail to adhere to our strict policies regarding data security are subject to strong penalties. Federal and state laws require that we inform you should any breach of your personal information occur. In the unlikely event that such a breach occurs, we will notify you via email, along with the appropriate regulatory agent. This notification may be postponed for a short time so that we may comply with law enforcement requirements and to assess and address said security breach. We are dedicated to ensuring the privacy and security of all our visitor's information.

Changes to Our Privacy Policy

We reserve the right to modify, add to or completely remove any part of the above Privacy Policy without notice and at any time we so see fit. Updates to this Privacy Policy will be immediate once posted on this Site. It is your responsibility to check this site from time to time for possible changes. Your acceptance of any updates to this Privacy Policy is established by your continuing use of this Site and continued acceptance of email messages should any changes to this policy be made in the future.