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By clicking the
'Submit', ‘Get My Loan’ or other button
at the bottom of the form which begins the processing
of your application, you certify that all of the
statements in the application are true and complete
and are made for the purpose of obtaining credit.
You authorize fidelityautoloan.com
to share your application and related information
with its lending partners in order to complete the
processing of your application. You authorize fidelityautoloan.com
and its lending partners to retain and rely on your
application and to access your credit report in
order to evaluate your credit application. In addition,
you acknowledge that you have read the state-specific
notices related to your application
and agree to receive Electronic
Documents By clicking the 'Submit',
‘Get My Loan’ or other button at the
bottom of the application form which starts the
process, you further authorize fidelityautoloan.com
third-party lending institutions to share information
in your application, and any other credit information
they obtain, with other third parties who may be
able to offer or arrange for a direct loan and/or
auto dealer financing.
Consent
for Electronic Documents
CONSENT FOR ELECTRONIC DOCUMENTS UNDER
THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL
COMMERCE ACT
Please read this information carefully and
print a copy and/or retain this information electronically
for future reference.
Introduction. You are submitting
an electronic credit application for auto financing
("Application") to fidelityautoloan.com
or one of our auto finance partners or affiliate
websites. By consenting to receive information electronically
at our web site(s) or via email, you will receive
certain information and disclosures electronically
(“Documents”), including the following:
Credit Application, State Law Disclosures, Privacy
Policy, and notices of our credit decisions. This
Consent for Electronic Documents informs you of
your rights when receiving these Documents electronically.
By consenting below, you acknowledge receipt of
this Consent for Electronic Documents, and agree
to the electronic delivery of Documents via the
internet to the e-mail address designated on your
Application.
Hardware and Software Requirements.
Before you decide to receive your Documents electronically,
you must determine if you have the necessary hardware
and software described below to access and retain
these Documents electronically. To access your Documents,
you will need an electronic mailing address, Adobe
Acrobat Reader, and a personal computer or other
access device which is capable of accessing the
internet. To retain your Documents, your access
device must have the ability to either download
to your hard drive or any external media storage,
or print web pages as well as embedded HTML files.
Withdrawing Consent. With the
exception of email communications and notices of
our credit decisions, you may withdraw your consent
to receive your Documents electronically at any
time by contacting us by email at email
at fidelityautoloan.com. In these circumstances,
we will continue the financing process in non-electronic
form at no charge. If you decide to withdraw your
consent, the legal validity and enforceability of
prior electronic Documents will not be affected,
and except as provided in this paragraph, you will
not have the option to later receive your Documents
electronically.
Copies. If you wish to obtain
a paper copy of any of the Documents, contact us
by email at privacy at
fidelityautoloan.com and request a copy at
no charge.
Updating Your Contact Information.
To update your electronic or mailing address, contact
us by email at info at
fidelityautoloan.com.
CONSENT AND ACKNOWLEDGMENT.
BY CHECKING THE CONSENT BOX, YOU CERTIFY THAT:
- YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY, AND
ACCESS AND RETAIN ANY DOCUMENTS RECEIVED;
-
YOU HAVE (OR HAVE ACCESS TO)
A DESKTOP OR LAPTOP PERSONAL COMPUTER WITH A
WEB BROWSER THAT SUPPORTS, AT A MINIMUM, 128
BIT ENCRYPTION;
-
YOU HAVE THE ABILITY TO RECEIVE
AND READ EMAIL;
-
YOU AGREE TO RECEIVE DOCUMENTS
ELECTRONICALLY AND CONFIRM THAT YOU WILL DOWNLOAD
OR PRINT DOCUMENTS FOR YOUR RECORDS;
-
YOU ACKNOWLEDGE THAT YOU CAN
ACCESS INFORMATION THAT IS PROVIDED ELECTRONICALLY
AT THIS WEB SITE AND THE WEB SITE(S) AT WHICH
YOU SUBMIT THIS APPLICATION;
-
YOU ACKNOWLEDGE THAT SUCH ACTION
CONSTITUTES YOUR SIGNATURE TO THE CREDIT APPLICATION;
-
YOU ACKNOWLEDGE THAT YOU ARE
PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC
COMMUNICATIONS PURSUANT TO THE ELECTRONIC SIGNATURES
IN GLOBAL AND NATIONAL COMMERCE ACT AND INTEND
THIS STATUTE TO APPLY TO YOUR TRANSACTIONS WITH
US TO THE FULLEST EXTENT POSSIBLE.
PLEASE PRINT AND RETAIN A COPY OF THIS
AGREEMENT FOR YOUR RECORDS.
Privacy
Policy
Pursuant to Gramm Leach Bliley Act &
16 C.F.R. Title 313
fidelityautoloan.com its websites
and affiliates take the position that privacy
is a very serious matter and an essential part
of our relationship with customers. We take your
personal privacy seriously. We aim to safeguard
your privacy, while offering you the opportunity
to apply for credit to obtain an automobile loan
through our network of participating auto dealers
nationwide and affiliate partners.
In connection with your application for credit,
fidelityautoloan.com may acquire
information about you, which is handled as stated
in this notice.
We collect nonpublic personal information about
you from the following sources:
-
Information we receive from
you on the actual credit application, such as
Name, Address, Social Security number, Monthly
Income, date of birth, etc.
Social Security Numbers are
required on the application form. When you
enter your social security number on our form
we encrypt is using secure socket layer technology
(SSL).
-
We request your authorization
to receive information from a consumer reporting
agency (credit bureau). That authorization is
transmitted to a participating automobile dealer
or affiliate partner in our network, who will
actually request and receive your credit report.
-
Uses of Information –
We use the information provided by you on the
application form to assist in finding financing
of a motor vehicle within our national new and
used car dealer network or one of our affiliate
partners. We also use this information to present
other offers of interest that you have not specifically
opted out of.
-
Correspondence - The information
you provide when communicating in writing, by
phone or online with our customer service representatives.
We do share information about our customers,
their accounts or transactions to others for
their use as described in this Privacy Policy.
-
Personally identifiable information
– We share personally identifiable information
with partners as it relates to offers and promotions
where you have opted in.
When we do share information it is limited to
the information necessary for the particular circumstance
and only under strict controls to prevent misuse.
We maintain strict physical, electronic and procedural
safeguards that comply with all state and federal
regulations to guard your nonpublic personal information.
We use this information to evaluate your application,
and to locate a participating auto dealer or affiliate
partner who can continue the process of assisting
you in obtaining an auto loan or purchasing an
automobile. With your consent, we may inform you
of offers for other services offered by third
parties.
We do not disclose or sell your information to
non-affiliated third parties, except with your
prior consent.
Choice/Opt-Out
We provide you the opportunity to ‘opt-out’
of having your personally identifiable information
used for certain purposes, when we ask for this
information. For example, if you complete our
loan application but do not wish to receive any
additional marketing material from us or our partners,
you can indicate your preference to opt-in or
opt-out on our application form. You may opt-out
of any special promotions or offers at anytime
by sending an email requesting to opt-out to admin
at fidelityautoloan.com.
Cookies
"Cookies" are small computer files which
are automatically placed on your computer's hard
drive when you are connected to a website. At
the present time, we do not use cookies to gather
information about our customers.
Log Files
As is true of most Web sites, we gather certain
information automatically and store it in log
files. This information includes internet protocol
(IP) addresses, browser type, internet service
provider (ISP), referring/exit pages, operating
system, date/time stamp, and clickstream data.
We link this automatically collected data to personally
identifiable data. IP addresses are linked to
personally identifiable information for security
purposes.
Sharing Information
fidelityautoloan.com may disclose
information about you to the following types of
third parties: fidelityautoloan.com
affiliates- auto dealerships or other lenders
in your region who may be able to assist you in
the auto loan application process.
This Privacy Policy applies to consumers that
have signed up on the fidelityautoloan.com
affiliated websites. We may use the personal information
that you supply to us and work with other third
party businesses to bring selected retail opportunities
to our members via direct mail, email and telemarketing.
These businesses may include providers of direct
marketing services and applications, including
lookup and reference, data enhancement, suppression
and validation and email marketing.
fidelityautoloan.com does not
knowingly offer its credit application to minors.
Links to Other Sites
This Web site contains links to other sites that
are not owned or controlled by fidelityautoloan.com.
Please be aware that we, fidelityautoloan.com,
are not responsible for the privacy practices
of such other sites.
We encourage you to be aware when you leave our
site and to read the privacy statements of each
and every Web site that collects personally identifiable
information.
Security
The security of your personal information is
important to us. When you enter sensitive information
(such as credit card number and/or social security
number) on our registration or order forms, we
encrypt that information using secure socket layer
technology (SSL). To learn more about SSL, follow
this link http://www.webopedia.com/TERM/S/SSL.html
.
We follow generally accepted industry standards
to protect the personal information submitted
to us, both during transmission and once we receive
it. No method of transmission over the Internet,
or method of electronic storage, is 100% secure,
however. Therefore, while we strive to use commercially
acceptable means to protect your personal information,
we cannot guarantee its absolute security.
If you have any questions about security on our
Web site, you can send email us at admin
at fidelityautoloan.com.
This privacy statement applies only to information
collected by this Web site.
State Specific Notices
Indiana California New
York Ohio Rhode
Island Vermont Wisconsin Maine Delaware
Indiana Applicants, fidelityautoloan.com
and its dealer affiliates have express permission
to contact you by telephone, provided you have
given your telephone number in the application.
California Applicants:
If married, you may apply for a separate account.
New York Applicants:
In connection with your application for credit,
the dealer to whom this application is delivered
may request a consumer report which contains information
on your credit worthiness, credit standing, personal
characteristics and general reputation. If the
dealer grants you credit, it (or its assignee)
may order additional consumer reports in connection
with any update, renewal or extension of the credit.
If you ask the dealer, it will tell you whether
it obtained a consumer report and, if it did,
it will tell you the name and address of the consumer
reporting agency that gave it the report.
Ohio Applicants:
The Ohio laws against discrimination require
that all creditors make credit equally available
to all credit worthy customers, and that credit
reporting agencies maintain separate credit histories
on each individual upon request. The Ohio civil
rights commission administers compliance with
this law.
Rhode Island Applicants:
A consumer report may be requested in connection
with this application.
Vermont Applicants:
By submitting my (our) application, I (we) authorize
the dealer I chose on my (our) application and
its employees, agents and potential assignees
to obtain and verify information about me (us)
(including one or more credit reports, information
about my (our) employment and banking and credit
relationships) that any of them may deem necessary
or appropriate in evaluating my (our) application.
If my (our) application is approved and credit
is granted, I (we) also authorize such parties
to obtain additional credit reports and other
information about me (us) in connection with reviewing
the account, increasing the available credit on
the account (if applicable), taking collection
on the account, or for any other legitimate purpose.
Wisconsin Applicants:
No provision of a marital property agreement,
a unilateral statement under Wis. Rev. Stat. §
766.59 or a court decree under Wis. Rev. Stat.
§ 766.70 adversely affects the interest of
the creditor unless the creditor, prior to the
time the credit is granted, is furnished a copy
of the agreement, statement or decree or has actual
knowledge of the adverse provision when the obligation
to the creditor is incurred
For Maine Applicants
You have the right of free choice in the selection
of the agent and insurer through or by which insurance
in connection with a loan is to be placed. Obtaining
insurance products from a particular agent or
broker does not affect credit decisions by the
lender.
For Delaware Applicants
1. Notification - Every licensee shall furnish
to every applicant, a copy of this regulation
at the time when such application is made. Posting
of this regulation in the office of the licensee
in a place both prominent and easily visible to
all potential applicants shall satisfy this requirement.
An explanation as to the contents and limitations
contained herein shall satisfy this requirement
when transactions occur telephonically. An informational
screen containing these limitations with an affirmative
acknowledgement by the consumer, prior to application,
shall satisfy this requirement for internet transactions.
2. Interest
a. A lender may charge and collect
interest in respect to a revolving credit plan
or closed-end loan at such a daily, weekly monthly,
annual, or other periodic percentage rate or rates
as the agreement governing the plan or loan provides,
or as established in the manner provided in such
agreement. Periodic interest may be calculated
on a revolving credit plan using any balance computation
method provided for in the agreement governing
the plan. Periodic interest may be calculated
on a closed-end loan by way of simple interest
or such other method as the agreement governing
the loan provides.
b. If the agreement governing
the revolving credit plan or closed-end loan so
provides, the periodic percentage rate or rates
of interest may vary in accordance with a schedule
or formula. Such periodic percentage rate or rates
may vary from time to time as the rate determined
in accordance with such schedule or formula varies
and such periodic percentage rate or rates, as
so varied, may be made applicable to all or any
part of the outstanding unpaid indebtedness or
outstanding unpaid amounts. In the case of revolving
credit, such rate shall become applicable on or
after the first day of the billing cycle that
contains the effective date of such variation.
In the case of closed-end loan transactions, such
rate may be made applicable to all or any part
of the outstanding unpaid amounts on and after
the effective date of such variation. Without
limitation, a permissible schedule or formula
hereunder may include provisions in the agreement
governing the revolving credit plan or closed-end
loan agreement for a change in the periodic percentage
rate or rates of interest applicable to all or
any part of outstanding unpaid indebtedness or
outstanding unpaid amounts, whether by variation
of the then applicable periodic percentage rate
or rates of interest, variation of an index or
margin or otherwise, contingent upon the happening
of any event or circumstance specified in the
plan or agreement, which event or circumstance
may include the failure of the borrower to perform
in accordance with the terms of the revolving
credit plan or loan agreement.
3. Additional Fees and Charges; Limitations
- If the agreement governing the plan or loan
so provides, in addition to, or in lieu of, interest
at a periodic percentage rate or rates permitted
by Chapter 22, Title 5 of the Delaware Code, the
licensee may charge and collect the following
fees and charges, subject to the limitations provided
below, in respect to revolving credit plans or
closed-end loans:
a. Revolving Credit - with
respect to a borrower, a lender may charge,
collect, or receive one or more of the following
fees and charges under plans subject to the
provisions of Subchapter II, Chapter 22, Title
5 of the Delaware Code:
i. periodic
charges - a daily, weekly, monthly, annual or
other periodic charge, in such amount or amounts
as the agreement may provide for the privileges
made available to the borrower under the plan;
ii. transaction charges - a
transaction charge or charges in such amount
or amounts as the agreement may provide for
each separate purchase or loan under the plan;
iii. (iii) minimum charges
- a minimum charge, in such amount or amounts
as the agreement may provide for each daily,
weekly, monthly, annual or other scheduled billing
period under the plan during any portion of
which there is an outstanding unpaid indebtedness
under the plan;
iv. (iv) fees for services
rendered or reimbursement of expenses - reasonable
fees for services rendered or for reimbursement
of expenses incurred in good faith by the licensee
or its agent in connection with such loan, including
without limitation, commitment fees, official
fees and taxes, premiums or other charges for
any guarantee or insurance protecting the licensee
against the borrower's default or other credit
loss, or costs incurred by reason of examination
of title, inspection, recording and other formal
acts necessary or appropriate to the security
of the loan, filing fees, attorney's fees, and
travel expenses. In the event a borrower defaults
under the terms of a plan, the licensee may,
if the borrower's account is referred to an
attorney (not a regularly salaried employee
of the licensee) or to a third party for collection
and if the agreement governing the revolving
credit plan so provides, charge and collect
from the borrower a reasonable attorney's fee.
In addition, following a borrower's default,
the licensee may, if the agreement governing
the plan so provides, recover from the borrower
all court, alternative dispute resolution or
other collection costs (including, without limitation,
fees and charges of collection agencies) actually
incurred by the licensee;
v. (v) over limit charges -
a charge in such amount or amounts as the agreement
may provide, for each daily, weekly, monthly,
annual or other scheduled billing period under
the plan during any portion of which total outstanding
indebtedness exceeds the credit limit established
under the plan;
vi. (vi) delinquency charges
- a late or delinquency charge upon any outstanding
unpaid installment payments or portions thereof
under the plan which are in default; provided,
however, that no more than 1 such late or delinquency
charge may be imposed in respect of any single
such installment payment or portion thereof
regardless of the period during which it remains
in default; and provided further, however, that
for the purpose only of the preceding provision
all payments by the borrower shall be deemed
to be applied to satisfaction of installment
payments in the order in which they become due.
vii. (vii) returned check charges
- a returned check charge may be assessed to
consumers, in such amount or amounts as the
agreement may provide, provided the amount(s)
of such charges are customary and reasonable
for checks that are returned unpaid.
viii. (viii) termination fees
- a charge in such amount or amounts as the
agreement may provide to terminate revolving
credit plan.
ix. (ix) charges incurred in
connection with real estate secured transactions
- in the case of revolving credit secured by
real estate such additional charges as outlined
in item (3)(c) of this regulation may also be
collected within the limitations stated therein.
b. Closed-end Credit - with
respect to a borrower, a lender may charge,
collect, or receive one or more of the following
fees for loans subject to the provisions of
Subchapter III, Chapter 22, Title 5 of the Delaware
Code:
i. fees for
services rendered or reimbursement of expenses
- reasonable fees for services rendered or for
reimbursement of expenses incurred in good faith
by the licensee or its agent in connection with
such loan, including without limitation, commitment
fees, official fees and taxes, premiums or other
charges for any guarantee or insurance protecting
the licensee against the borrowers default or
other credit loss, or costs incurred by reason
of examination of title, inspection, recording
and other formal acts necessary or appropriate
to the security of the loan, filing fees, attorney's
fees, and travel expenses. In the event a borrower
defaults under the terms of the loan, the licensee
may, if the borrower's account is referred to
an attorney (not a regularly salaried employee
of the licensee) or to a third party for collection
and if the agreement governing, or the bond,
note or other evidence of, the loan so provides,
charge and collect from the borrower a reasonable
attorney's fees. In addition, following a borrower's
default, the licensee may, if the agreement
governing, or the bond, note or other evidence
of, the loan so provides, recover from the borrower
all court, alternative dispute resolution or
other collection costs (including, without limitation,
fees and charges of collection agencies) actually
incurred by the licensee;
ii. deferral charges - a deferral
charge may be assessed to a borrower in accordance
with an agreement to permit the borrower to
defer installment payments of a loan;
iii. delinquency charges -
if the agreement governing the loan so provides,
a late or delinquency charge may be imposed
upon any outstanding unpaid installment payment
or portions thereof under the loan agreement
which are in default; provided, however, that
no more than 1 such delinquency charge may be
imposed in respect of any single such installment
payment or portion thereof regardless of the
period during which it remains in default; and
provided further that no such delinquency charge
may exceed 5% of the amount of any such installment
or portion thereof in default;
iv. returned check charge -
if the agreement governing the loan so provides,
a returned check charge may be assessed to consumers
for checks that are returned unpaid provided
the amount(s) of such charges are customary
and reasonable.
v. charges incurred in connection
with real estate secured transactions - in the
case of closed end credit secured by real estate
such additional charges as outlined in item
(3)(c) of this regulation may also be collected
within the limitations stated therein.
c. Real Estate Secured Transactions
- with respect to a borrower, a lender may charge,
collect, or receive one or more of the following
fees and charges subject to the limitations
herein, for loans subject to the provisions
of Subchapters II (Revolving Credit) and III
(Closed-End Credit), Chapter 22, Title 5 of
the Delaware Code when such loans are secured
by real estate:
i. loan origination
points - points charged to the borrower on the
lender's behalf for any purpose other than to
reduce the periodic interest rate applicable
to the mortgage loan may not exceed 10% of the
principal amount of the loan. Such points may
be deducted from the gross proceeds of the loan.
For purposes of this regulation "gross
proceeds" is the amount financed as defined
in Federal Reserve Regulation Z;
ii. loan discount points -
points charged to the borrower as a function
of rate for the purpose of reducing the periodic
interest rate applicable to the mortgage loan.
Such points may be deducted from the gross proceeds
of the loan;
iii. property appraisal fees
- property appraisal fees shall be limited to
the amount paid to a third party for such appraisal
and shall be limited to those amounts that are
customary and reasonable;
iv. credit report fees - credit
report fees shall be limited to the actual cost
of the report if paid to a third party, not
an employee of the lender or affiliate. Such
amounts shall be customary and reasonable;
v. mortgage loan broker compensation
fees - mortgage loan broker compensation may
be deducted from the gross proceeds of the loan.
Such amounts shall reasonably reflect the value
of the goods, services and facilities provided;
vi. tax certification and service
fees - fees for agreements to provide certification
of the current tax status of the property as
well as fees for ongoing monitoring and notice
to the lender of all tax and improvement lien
payments as they become due shall be limited
to those amounts actually expended for such
purposes. Such amounts shall be customary and
reasonable;
vii. flood hazard certification
or determination fees - determination fees may
be charged for determining whether the property
is or will be located in a special flood hazard
area. This fee may also include the cost of
life-of-loan monitoring. Such amounts shall
be customary and reasonable;
viii. title abstract/search/examination
and title insurance premiums - title insurance
and/or cost of a title certificate search, examination
and binder shall be limited to those amounts
actually expended for such purposes. Such amounts
shall be customary and reasonable and may, at
the borrower's discretion, include owner's coverage
in addition to lender's coverage;
ix. legal fees - legal fees
incurred in securing or closing a loan shall
be limited to amounts actually paid to an attorney
not in the employ of the lender, its parent,
or affiliate, and such charges shall not exceed
those which are customary and reasonable;
x. recording/satisfaction fees
- recording/satisfaction fees shall be limited
to those actually expended by the lender to
any governmental authority for protection of
interest in collateral tendered. The State Bank
Commissioner may approve the payment of alternative
fees for this purpose provided the amount of
said fee (payable by the borrower) shall not
exceed the amount which would be payable to
any governmental authority for protection of
interest in collateral tendered;
xi. property survey fees -
property survey fees to obtain a drawing that
delineates the exact boundaries of a property,
including lot lines and placement of improvements
on the property, shall be limited to those amounts
actually expended for such purposes. Such amounts
shall be customary and reasonable;
xii. pest inspection fees -
pest inspection fees to cover inspections for
terminates or other pest infestation on the
property shall be limited to those amounts actually
expended for such purposes. Such amounts shall
be customary and reasonable;
xiii. fees incidental to loan
closing - other fees and charges including but
not limited to: odd days interest, hazard and
mortgage insurance premiums, escrow reserves,
lender's inspection fees, mortgage insurance
application fees, assumption fees, underwriting
fees, document preparation fees, settlement
or closing fees, notary fees, funding fees,
fees for lead based paint or other inspections
and overnight mail fees may be charged and such
amounts shall be customary and reasonable;
xiv. prepayment penalties -
a charge in such amount or amounts as the agreement
so provides imposed in connection with the payoff
and termination of a revolving credit plan or
closed end loan secured by real estate;
xv. notwithstanding the provisions
of this item (3)(c) of this regulation, Licensed
Lenders who are making mortgage loans pursuant
to the rules, regulations, guidelines and/or
loan forms established by the State of Delaware
or federal governmental or quasi-governmental
entity (including, without limitation, the Federal
Housing Administration, the Government National
Mortgage Association, the Federal National Mortgage
Association and the Federal Home Loan Mortgage
Corporation) shall be permitted to charge and
collect any fees, charges or sums prescribed
to be charged and collected in connection with
a mortgage loan originated pursuant to a lending
program conducted or supervised by any such
entity.
fidelityautoloan.com is committed
to protecting the privacy of consumers. If you
have any questions, comments or concerns regarding
our Privacy Policy and its implementation, please
do not hesitate to e-mail us at admin
at fidelityautoloan.com.
Changes in this Privacy Statement
If we decide to change our privacy policy, we
will post those changes to this privacy statement
or other places we deem appropriate so that you
are aware of what information we collect, how
we use it, and under what circumstances, if any,
we disclose it.
We reserve the right to modify this privacy statement
at any time, so please review it frequently. If
we make material changes to this policy, we will
notify you here, by email, or by means of a notice
on our home page.
fidelityautoloan.com
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