Browsing the Site
If you browse through the Site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access the Site, the date and time that you access the Site, the pages that you visit (click-through) and, if you visited the Site from a link placed on another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the Site.
Third Party Advertising
We use third-party advertising companies to serve ads when you visit our Site. These companies use non-personally identifiable information regarding your visit to this Site and other websites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad (but not your name, address, or other personal information), to serve ads to you on this Site and other websites which may interest you. In the course of serving advertisements to this Site, our third-party advertiser may place or recognize a unique cookie on your browser. In addition, we use clear GIFs, or pixel tags to help manage our online advertising. These clear GIFs enable our ad serving company to recognize a browser's cookie when a browser visits this Site. This allows us to learn which banner ads bring users to our Site. The information we collect and share through this technology is not personally identifiable.
Information Collected and Use
There will be times, such as when you communicate with us by e-mail, submit an application, request a quote, enter a contest or sweepstakes, purchase a product, etc., when we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include, but is not limited to: (a) your full name; (b) home address; (c) e-mail address; (d) home and mobile telephone numbers, (e) your occupation, employer name, employer phone number and time spent at your current job; (f) monthly income estimate; (g) whether you have declared bankruptcy in the prior seven (7) years; (h) whether you have a cosignor available, if needed; (i) housing status (rent, own, neither, etc.); (j) time spent at your current residence; (k) monthly mortgage payment/rent, as applicable; and (l) your Social Security Number.
Any personal information that you submit at the Website remains your property. However, by submitting that information to us, you grant to us the right to use your personal information, subject to applicable state and federal law, for any legal purpose including, without limitation: (a) transferring your personal information to a third party seller to effectuate a purchase from such third party seller for products and/or services that you applied for at the Website; (b) marketing purposes, such as sharing your information (other than your Financial Information) with third party sellers; (c) providing promotional offers to you by means of e-mail advertising, SMS text-based marketing, telemarketing, direct mail marketing, pop-ups, pop-unders and/or online banner advertising; (d) tracking compliance with our Terms and Conditions; and (e) for validation, suppression, content improvement and feedback purposes.
Overstocked Car Surplus may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list.
You may at any time choose not to receive promotional emails from us by contacting us at email@example.com. If you prefer for us not to provide your personal information to third parties for marketing purposes, please contact us at firstname.lastname@example.org. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to overstockedcarsurplus.com, as well as facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.
Notwithstanding the foregoing, we will not use your Financial Information for any marketing purposes, or transfer same to any third party, other than, and exclusively, to third party sellers where necessary to effectuate the purchase of products and/or services that you applied for.
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications on our Site or other forms; Information about your transactions with us, our affiliates or others; and Information about you that we may receive from credit reporting agencies.
We may disclose all of the information that we collect, as described above, to financial institutions, dealership lender partners, local dealers and other third parties that provide financing referral services to explore financing options in order to process your request for the products and/or services featured on the Site. We also may disclose non-public personal information about you to non-affiliated third parties as permitted by law.
Information submitted to us in connection with a financing request is used to transmit the request to third parties who may be in a position to respond to your request. We do not provide financing, but instead transmit those requests to third-party vendors for consideration.
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you submit a financing application, your name, residential address, date of birth and Social Security Number will be used to verify your identity. In addition, as part of the request process, we may verify the information that you provide, or obtain omitted address or other contact information from third parties.
Updating or Deleting your Information
You may update or delete your information at any time prior to submitting any request to us. Once a request form is completed and submitted, you will not be able to change any of the information. Additionally, please be advised that once you have submitted your request and the information has been received by lender/brokers, dealers, etc. this information is no longer under our control. However, if your information is forwarded to a dealership or other third party provider to facilitate your order, your information will be transmitted according to the security and privacy policies of that dealership or third party provider whose privacy practices may differ from ours. Your information as shared with outside providers will become subject to those different privacy policies.
We safeguard your personal data (e.g., credit card and finance application information) during electronic transmission from you to us using known SSL encryption software, security standards and procedures. We restrict access to non-public personal information about you only to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and other procedural safeguards to comply with applicable privacy laws to guard your nonpublic personal information. We also assess new technology for protecting sensitive customer information on an ongoing basis. However, if your information is forwarded to a dealership or other third party provider to facilitate your order, your information will be transmitted according to the security and privacy policies of that dealership or third party provider whose privacy practices may differ from ours. Your information as shared with outside providers will become subject to those different privacy policies. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk.
Due to federal and state regulations, we are required to keep a copy of your information for a period of 3 years. Over this period, we will maintain all such data in a confidential and secure area that third parties will not be allowed to access.
In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Although this site is intended for the use of adults, and is not of likely interest to children, the forms on this site are capable of collecting online contact information from children who furnish it without prior parental consent or parental notification. Upon discovery that any such information may be supplied by children, such information shall be disregarded. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Contacting the Site
Trademark and Copyright Information
Everything on our website is copyrighted (unless otherwise noted) and may not be used except with our express written consent. Use of these images by you or other third parties is prohibited and may violate the copyright laws, trademark laws, privacy laws and other laws and regulations. Nothing contained on this site may be construed as granting any license or right to use any of our trademarks or service marks without our prior written consent.