Terms & Conditions

Updated October 24th, 2016

1. Requirements.

The Site is available only to individuals who can enter into legally binding contracts under applicable law. The Site is not intended for use by individuals under eighteen (18) years of age. If you are under eighteen (18) years of age, you do not have permission to use and/or access the Site.

2. Acceptance of Agreement.

You agree to the terms and conditions set forth in the Agreement with respect to your use of the Site when you access the Site. The Agreement constitutes the entire and only agreement between you and Auto Approval Center (www.dreamautoloan.com) with respect to your use of the Site, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Site. We may amend the Agreement from time to time in our sole discretion, without specific notice to you. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site. By your continued use of the Site, you hereby agree to comply with all of the terms and conditions contained within the Agreement effective at that time. Therefore, you should regularly check this page for updates and/or changes.

3. Description of Auto Approval Center (www.dreamautoloan.com) Service.

Auto Approval Center (www.dreamautoloan.com) provides users with an opportunity to apply for auto loan-related services as offered by Auto Approval Center’s affiliated third-party auto loan service providers or lending partners. Please be advised that Auto Approval Center (www.dreamautoloan.com) does not itself provide lending services, and the ultimate terms and conditions of any product or service provided by one of its loan service providers will be determined by that entity. To qualify to receive auto loan-related products and/or services, you must first fully complete the application form located at the Site (“Site Application”), as well as the application form set forth on the Site of the applicable Affiliated Loan Service Provider (“Affiliate Application” and together with the Site Application, the “Application”). The information that you must supply on the Site Application includes, but is not limited to: (a) your full name;, (b) home address,; residence information, employment information,(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 (collectively, the “Site Registration Data”). Upon entering your Site Registration Data and clicking on the “Submit” button at the bottom of the Site Application, your Site Registration Data will be redirected to the applicable Affiliated Loan Service Provider. The information that you must supply on the applicable Affiliated Loan Service Provider Application shall be determined by the applicable Affiliated Loan Service Provider (the “Affiliate Registration Data” and, together with the Site Registration Data, the “Registration Data”). Auto loan application approval, and the ultimate terms and conditions of any product or service provided by one of our Affiliated Loan Service Providers, will be determined by that entity. Auto Approval Center (www.dreamautoloan.com) will verify and approve all completed Site Applications, and the associated Registration Data, in accordance with its standard verification procedures. You agree to provide true, accurate, current and complete Registration Data. Auto Approval Center and the applicable Affiliated Loan Service Provider each have the right to reject any Registration Data where it is determined, in the sole and exclusive discretion of Auto Approval Center (www.dreamautoloan.com) and the applicable Affiliated Loan Service Provider, that: (i) you are in breach of the Agreement; and/or (ii) the Registration Data that you provided is incomplete, fraudulent, a duplicate or otherwise unacceptable. Auto Approval Center and the applicable Affiliated Loan Service Provider each may change the Registration Data criteria at any time, in their sole discretion.

Unless explicitly stated otherwise, any future offer(s) made available to you on the Site that augment(s) or otherwise enhance(s) the current features of the Site shall be subject to the Agreement. You understand and agree that Auto Approval Center is not responsible or liable in any manner whatsoever for your inability to use and/or qualify for Auto Approval Center (www.dreamautoloan.com) sponsored products, services and/or any associated functionality. You understand and agree that Auto Approval Center (www.dreamautoloan.com) shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any of Auto Approval Center’s Affiliated Loan Service Providers. If Auto Approval Center (www.dreamautoloan.com) terminates the Agreement, Auto Approval Center (www.dreamautoloan.com) shall have no liability or responsibility to you. You understand and agree that refusal to use the Site is your sole right and remedy with respect to any dispute with Auto Approval Center.

Auto Approval Center (www.dreamautoloan.com) is paid a marketing lead generation fee by our partners for the products and services provided. Your use of the websites and/or Auto Approval Center’s services constitutes your agreement with this. Auto Approval Center (www.dreamautoloan.com) does not charge you a fee for its service in matching you with lending partners.

When you "submit" information, create an account or otherwise register for services through Auto Approval Center (www.dreamautoloan.com) and its affiliates, partners or lending partners website or otherwise, you understand and agree that you have established a business relationship between you and Auto Approval Center (www.dreamautoloan.com) and their partners. Accordingly, Auto Approval Center (www.dreamautoloan.com) will send your information to its affiliates. You agree that Auto Approval Center (www.dreamautoloan.com) and/or its Companies may contact you using information you provided with information and offers of services available through Auto Approval Center (www.dreamautoloan.com) and the Websites. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list .If at any time you do not wish to continue to receive communications from Auto Approval Center, please contact us at info@dreamautoloan.com. To cancel communications from lending partners or affiliates we work with, please contact that company directly.

4. Affiliate Offers.

By agreeing to this privacy policy before you submit your application, you consent to be called by a representative of Auto Approval Center (www.dreamautoloan.com) at the phone number you provided to discuss potential auto loans and/or auto loan related services and products including but not limited to: credit repair, credit cards, payday loans and auto loans. This may also be an affiliate company contracted by Auto Approval Center.

Consent To Electronic Records I have read the Consent to Electronic Records below and agree to conduct transactions and receive records electronically.

Introduction. To the extent permitted by law, Auto Approval Center (www.dreamautoloan.com) will provide all disclosures and notices to you in electronic form including, but not limited to, any notices (e.g., adverse action notice and privacy policy notice) required by the Equal Credit Opportunity Act, Gramm-Leach-Bliley Act, other federal law, and any implementing regulations. For purposes of this consent, these disclosures and notices are referred to as Records. This Consent to Electronic Records informs you of your rights when Records will be provided to you electronically. By consenting, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of the Records.

Hardware and Software Requirements. The Records will be provided to you either on the Auto Approval Center (www.dreamautoloan.com) website, in an email message, or as an attachment to an email message sent to the email address you provide as part of your request, application, or registration. To access the Records, you will need Adobe Acrobat Reader version 7 or higher, and a personal computer or other access device which is capable of accessing the Internet. To retain the Record, your access device must have the ability to either download the Records to your computers hard drive or print the Records.

Right to Withdraw Consent, Procedures for Withdrawal and Updating Information. You may withdraw your consent to receive the Records electronically at any time, or update your contact information at any time by emailing info@dreamautoloan.com and withdrawing your consent or providing your updated contact information.

Consent Applies to Transaction. Your Consent to Electronic Records applies to the transaction you've requested which may give rise to the obligation to provide the Records and to any other dealings or transactions you may have with Auto Approval Center.

Right to Paper Records and Copies of Records. You have the right to have the Records provided to you in paper form, rather than electronic form. If you wish to obtain the Records in paper form, contact Auto Approval Center (www.dreamautoloan.com) by emailing info@dreamautoloan.com . A paper copy of the Record will be provided to you at no charge.

5. License Grant.

As a user of the Site, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site and associated content in accordance with the Agreement. Auto Approval Center may terminate this license at any time for any reason. You may use the Site on one computer for your own personal, non-commercial use. No part of the Site may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Site, Site content or any portion thereof. Auto Approval Center (www.dreamautoloan.com) reserves any rights not explicitly granted in the Agreement. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site. You may not take any action that imposes an unreasonable or disproportionately large load on Auto Approval Center (www.dreamautoloan.com) infrastructure. Your right to use the Site is not transferable.

6. Proprietary Rights.

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, software, services and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights. The copying, redistribution, publication or sale by you of any part of the Site is strictly prohibited. Systematic retrieval of material from the Site by automated means or any other form of scraping or data extraction in order to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from Auto Approval Center (www.dreamautoloan.com) is prohibited. You do not acquire ownership rights to any content, document, software, services or other materials viewed at or through the Site. The posting of information or material on the Site by Auto Approval Center (www.dreamautoloan.com) does not constitute a waiver of any right in such information and/or materials.

7. Editing, Deleting and Modification.

We reserve the right in our sole discretion to edit and/or delete any documents, information or other content appearing on the Site.

8. Legal Warning.

Any attempt by any individual, whether or not a Auto Approval Center customer, to damage, destroy, tamper with, vandalize and/or otherwise interfere with the operation of the Site, is a violation of criminal and civil law and Auto Approval Center (www.dreamautoloan.com) will diligently pursue any and all remedies in this regard against any offending individual or entity to the fullest extent permissible by law and in equity.

9. Indemnification.

You agree to indemnify and hold Auto Approval Center, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all claims, expenses (including reasonable attorneys’ fees), damages, suits, costs, demands and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of the Site; (b) your breach of the Agreement; and/or (c) your violation of any rights of another individual and/or entity. The provisions of this paragraph are for the benefit of Auto Approval Center, its parent, subsidiaries and/or affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers and/or attorneys. Each of these individuals and entities shall have the right to assert and enforce these provisions directly against you on its own behalf.

10. Disclaimer of Warranties.

THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, Auto Approval Center (www.dreamautoloan.com) MAKES NO WARRANTY THAT: (A) THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR ON THE SITE WILL MEET YOUR REQUIREMENTS; (B) THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR ON THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) YOU WILL QUALIFY FOR AN AUTO LOAN FROM ANY OF OUR AFFILIATED LOAN SERVICE PROVIDERS; OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE AND/OR AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS WILL BE ACCURATE OR RELIABLE. THE SITE AND/OR AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM AUTO APPROVAL CENTER, ANY OF ITS AFFILIATED LOAN SERVICE PROVIDERS OR OTHERWISE THROUGH OR FROM THE SITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.

11. Limitation of Liability.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT Auto Approval Center (www.dreamautoloan.com) SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF Auto Approval Center (www.dreamautoloan.com) HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE INABILITY TO USE THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR ON THE SITE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE; (C) THE FAILURE TO QUALIFY FOR AN AUTO LOAN FROM ANY OF OUR AFFILIATED LOAN SERVICE PROVIDERS, OR ANY SUBSEQUENT DENIAL OF AUTO LOAN-RELATED SERVICES FROM SAME; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR REGISTRATION DATA; AND (E) ANY OTHER MATTER RELATING TO THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR ON THE SITE. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND ANY AND ALL OTHER TORTS. YOU HEREBY RELEASE Auto Approval Center (www.dreamautoloan.com) AND ALL OF Auto Approval Center (www.dreamautoloan.com) AFFILIATED LOAN SERVICE PROVIDERS FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATION STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATION, THE MAXIMUM LIABILITY OF Auto Approval Center (www.dreamautoloan.com) TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). YOU HEREBY RELEASE Auto Approval Center (www.dreamautoloan.com) FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS SET FORTH IN THIS SECTION. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND AUTO APPROVAL CENTER. THE SITE, ANY AUTO LOAN-RELATED SERVICES THAT YOU MAY RECEIVE FROM ONE OF OUR AFFILIATED LOAN SERVICE PROVIDERS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR ON THE SITE WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.

12. Third Party Websites.

The Site may provide and/or refer you to links to other Internet websites and/or resources. Because Auto Approval Center (www.dreamautoloan.com) has no control over such third party websites and/or resources, you hereby acknowledge and agree that Auto Approval Center (www.dreamautoloan.com) is not responsible for the availability of such third party websites and/or resources. Furthermore, Auto Approval Center (www.dreamautoloan.com) does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom.

13. Miscellaneous.

The Agreement shall be treated as though it were executed and performed in Tennessee and shall be governed by and construed in accordance with the laws of the State of Tennessee (without regard to conflict of law principles). Should a dispute arise concerning the terms and conditions of the Agreement or the breach of same by any party hereto, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in Nashville, Tennessee, in accordance with the then current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending an outcome in arbitration. To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against Auto Approval Center (www.dreamautoloan.com) and its employees, officers, directors, members, representatives and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs that Auto Approval Center (www.dreamautoloan.com) incurs in seeking such relief. The Agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. The Agreement is personal between you and Auto Approval Center (www.dreamautoloan.com) and governs your use of the Site, superseding any and all prior and/or contemporaneous agreements between you and Auto Approval Center. To the extent that anything in or associated with the Site and/or any Auto Approval Center offering is in conflict or inconsistent with the Agreement, the Agreement shall take precedence. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. By clicking ÒSubmitÓ I consent by electronic signature to be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialer) and by email. Calls are recorded for quality assurance.

14. Contact Us

If you have any questions regarding the Agreement, or would like more information from us, please contact us at info@dreamautoloan.com.



Privacy Policy

The site Auto Approval Center (www.dreamautoloan.com) is owned and operated by Auto Approval Center (www.dreamautoloan.com) or its subsidiary, if any. We want to ensure that you understand fully how Auto Approval Center (www.dreamautoloan.com) collects, uses, and discloses your electronic identifiable personal information. Emphasis is also placed on how your registered online information is protected by appropriate laws pertaining to online works. Unless specifically stated otherwise, the provisions of this Privacy Policy (“Policy”) apply only to the information collected through this website. Your use of this website and its related services is governed by this Policy, the website’s Terms of Use, and its applicable dispute resolution provisions. Disputes arising from the breach of use of this website will also be taken into consideration applying the same process.
Any personal information registered by the user who is below 13 years old is absolutely prohibited and automatically erased as this website is a general audience website.

1. About Information We Collect
As part of our policy to provide a comprehensive and efficient service, we require you to register your real name, telephone number, mobile number, e-mail address and Social Security Number ("Personally Identifiable Information" or "PII”). On the other hand, information that does not identify you, otherwise known as "Non-Personally Identifiable Information" or "Non-PII" such as demographic data and online activity, is also treated with utmost importance. All of your electronic identifiable information data are treated with strict confidentiality. We will not share with any unauthorized third party. We may also consider collecting and storing similar information of other people (borrowers) that you voluntarily provide in connection with the use of this website.

2. How We Collect and Use Information
This Section explains how we collect and use information:

  1. From You
    It is within our understanding that the information you intentionally provide to us is for the purpose of seeking assistance in acquiring our products and services. It is understandable that the kind of information we collect varies as to the kind of the product or service requested.

  2. Other Sources
    For cross-reference purposes, we are at liberty to obtain information about you from other reliable sources such as credit reports, as well as home and demographic information. We respect your privacy on information and avoiding pulling your credit bureau report without seeking your permission. The credit bureau provides information and data in relation to credit records of both individuals and corporate clients. The applicable laws and the implementing rules govern the disclosure since unnecessary disclosures could result in legal complications such as unduly destroying innocent clients or those in good faith in their credit transactions.

  3. Automatic Collection, Cookies and Other Internet Technologies
    To maximize the advantages and great opportunities of information and communication technologies such as cookies, web beacons and other similar tools, we collect information and activities from your computer as linked to our website using the said technological tools. In addition to the foregoing provision and to maximize the service we provide, we automatically collect Non-PII stored in your browser every time you visit our website. As in customarily practice in an online community such information includes, but not limited to, your IP address, browser’s type and language, access times, record showing the content of the undeleted cookies that your browser previously accepted from us, referring website address and other matters appurtenant thereto.

  4. Cookies
    A cookie is a type of a small text file that is stored on a computer of the user, which is intended for record-keeping purposes.

In order to help you further personalize your online experience, obtain record information, and facilitate access about your visit to our website, we may assign your computer one or more cookies. Providing your computer with a cookie, serves a purpose of helping us track the information about your online activity on our website. Such information also includes the pages you visit, the links or valuable advertisements you click on and like to share, and other pertinent activities you take for the duration of your visit to our website. We assure you that the cookies do not store any PII about you. It is common knowledge that most browsers are set by default to automatically accept cookies. However, you can decline cookies by modifying your browser settings. In the event that you choose to decline cookies, you will not have available the all-out services of our website as it normally does, and may not function properly.

To fully promote our website and for economic gain, we may allow commercial engagement of third-parties, advertising companies, ad networks and other related commercial groups to promote their products for advertising purposes. The advertisements provided by advertisers may entice customers to purchase their products. In this regard, they may use cookies as tracking technologies, for the purpose of collecting the user’s information stored while viewing or interacting the same. Our website does not provide any PII to these advertisers, however, Auto Approval Center (www.dreamautoloan.com) is not responsible or liable for what third party advertisers collect. Such access includes the collection of information on your exact location while you access the website, clicking on the advertisements, and even associating this information with your subsequent visits relating to the advertising websites. Information gathered from their advertisement websites can be combined with your personal information that they obtain directly from you. Please view the specific advertisers privacy policy for more information.

3. Other Technologies
Web beacons are also called clear gifs, pixel tags, targeting and re-targeting pixels, third party pixels or web bugs. They are similar in function to cookies because of their tiny graphics with a unique identifier. They are used for the purpose of tracking of web users or to access cookies. In order to determine whether or not e-mail messages are opened and acted upon, we use web beacons in e-mail messages and newsletters.

Generally we may use Information to:

4. Financial Information
For the completeness of information needed in regards to conditional loan offers, we may use a financial information database. Such information contained in the database serves to: match your record with auto dealers or lending partners, help you verify your identity, and protect against any possible fraudulent transactions.

5. With Whom do we Share Your Information

  1. Auto Approval Center. We will share your information with Auto Approval Center. Auto Approval Center (www.dreamautoloan.com) adheres with this Policy. We assure you that we will not disclose your information outside of Auto Approval Center.

  2. Lending Partners or Investors. When you complete a loan information request, you will be matched with different lending partners or dealers who may respond with loan offers. Submitting such requests' means that you consent, acknowledge, and agree to the disclosure of your PII which is associated with lending partners and dealers in our network. We will not initiate to perform a credit check unless you authorize us to do so. Authorizing us takes effect upon submission of the completed application form and checking that you agree to this policy. For a list of lending partners, click here. It is in your own interest to protect yourself from any identity theft. Our objective is to protect you from any identity theft and we may suggest you sign up with a partner service after application. Please note that in the event that no agreed transaction for providing a product or service has been made, the lending partners with whom you are matched may retain or use your information registered in the lending partners' websites. We advise you to contact these lending partners immediately to ask them to remove your information stored in their privacy and information sharing practices. These lending partners will contact you by e-mail or phone.

  3. Other Situations
    As part of our policy, we also may release your information with respect of the following instances subject to our own discretion: • When asked to reply to the subpoena or similar investigative demand, a court order or a request to help a law enforcement or other government agency resolve any case with whom we have a knowledge of or any collaboration that is deemed necessary for the resolution of any case; to provide us the opportunity to establish or exercise our legal rights; to assert the right against legal claims, to protect from any flaw or legal infirmities in said transactions, or as other lawful acts that are required by law. In such cases, to protect us under the law we may either raise or waive any legal objection or right available to us to the fullest possible.

    When disclosing any information is the best resort that we need to help us in the investigation, prevention or taking other appropriate action that will help counter any actual or suspected illegal activity or other wrongdoing, to help our company, our users, our employees or others avail of the protection afforded to them and defense available to them in the exercise of their rights; to implement and further enforce effectively the terms of use or other agreements or policies of our website. • When occasions of the sale of our business, a divestiture, consolidation, asset sale, merger, or in the unlikely event of bankruptcy or other substantial corporate transactions occur during the lifetime of our business, especially during the period with which you request for products and services for your own use.

    Auto Approval Center (www.dreamautoloan.com) may provide its lending partners and associated third parties, as contained in the Terms of Use, with your information subsequent to your submission of appropriate information, registration for a service, or creation of your account through the said Company and its customized website. You opt to modify your preferences by clicking here in case that you wish to discontinue receiving regular communications from Auto Approval Center, its lending partners or its associated third parties. Alternatively, you opt to email Auto Approval Center (www.dreamautoloan.com) Customer Care emailing info@dreamautoloan.com directly if you feel that you need not want to continuously receive other forms of communications from us. However, informing our company’s Customer Service Care does not guarantee of the said transaction. Have a formal communication to those lending partners and associated third parties with whom you have been matched. Such formality will ensure proper receipt of your decision, particularly the needed removal and strict compliance with their individual Privacy Policy’s.

6. Auto Approval Center (www.dreamautoloan.com) Considerations
We will ensure confidentiality with respect to your email address or phone number. We will only share such important contact details for the period that you request certain product and services available through Auto Approval Center, but not more than 90 days. Whether or not you avail of their services, the partner, lender or dealer will still retain or use your PII that you provided to them. It is to your best interest that you immediately contact the parties to discontinue the use of your information in relation to their privacy and information sharing practices.

7. Non-Personally Identifiable Information
As part of our policy, we may share Non-PII with third parties at our own discretion.

8. Third Party Links and Policies
There are third parties who own and operate websites which are linked to our website. The servers of these third parties are both located in the United States or in other countries. They have their own privacy and security practices which by law are not within our control and responsibility. To ensure that your information are secured or properly handled by third parties, you need to review their privacy and security practices.

9. Special Notice to Tennessee Residents
If you are a resident of Tennessee, in addition to the rights provided under this Privacy Policy, we will not divulge your identifiable personal information with other Auto Approval Center’s businesses observing applicable Tennessee law or with respect to the right to give prior consent to share that the applicable Tennessee law requires you to do. As your interest is our primordial concern, you have the right to be informed of the manner in which your information is shared with third parties’ direct marketing concerns. By Tennessee law, you are afforded the right to be informed. Send your request at a designated address to receive the following information, to wit:

  1. the kind of information we shared with third parties to help them in their direct marketing transactions during the preceding calendar year.
  2. the third parties’ names and addresses that received your information; and
  3. the identification of the third parties’ products or services marketed when the nature of their business are not determinable from their name.

10. Updating and Accessing Your Information
The sites or servers you have used will be the determining factors in knowing the appropriate methods used for accessing your Information. Contact our Customer Care Department at info@dreamautoloan.com to update your personal information. Our address is 242 West Main Street #177, Hendersonville, TN 37075.

11. Choices about Collection and Use of Your Information
You will not be able to use certain features of our websites or receive the requested products or services if you do not provide us with your electronic and identifiable personal information. Your completed loan requests are stored in our database for various periods of time pursuant to the Federal and state regulations. Consequently, we retain your information in our database until the applicable period shall have been expired.

12. How we protect your PII
We assure you of our efforts to take physical, electronic, and procedural measures aimed at safeguarding your PII from any attempt or unauthorized access and disclosure. In view of the foregoing, our employees are required to observe our company’s information security safeguards; the encryption is used for the transmission of your PII in order to have a link between your system and ours, and to further guard your PII from any unauthorized persons from gaining access, we use firewalls. It is a common knowledge that there is no complete assurance for a secured system. Much to our desire to completely secure your PII through various steps we employed, we cannot guarantee that your PII, searches and other communications are always secure at all times. It is also your obligation to be prudent in handling and disclosing your PII. To protect yourself against identity theft, we may refer you to the website of the Federal Trade Commission.

13. TCPA Compliance: Use of automated telephone dialing systems, text messages and or prerecorded messages a. Auto Approval Center (www.dreamautoloan.com) helps consumers get financing through a network of participating auto dealers and/or direct lending partners that specialize in helping people who may have experienced credit problems. The information we collect from you enables us to match you with local dealers and finance companies that may be well suited in providing the credit you are interested in. We do not know who your matches will be until we review your information. By giving us and our lending partners consent to contact you using automated telephone dialing systems, text messages and or prerecorded messages, we can provide you with faster and more efficient updates regarding the status of your application.

14. Changes to this Privacy Policy
From time to time we update or modify this Policy to conform to any change in the collection, use, and sharing of your information that may serve you better. In this Policy, it is provided therein the date it was last updated. It is recommended that you always check this Policy every time your visit this website to keep abreast of any changes effected. Your regular visit to our websites would prove that you agree to the changes to the Policy.

15. Visiting our Websites From Outside the United States
If you are a resident of the United States of America, you are covered by the Policy’s provision for the collection of information on our websites. In the event that you visit our websites outside of the United States, where our servers are located and our central database is operated, your information is basically transferred to, stored and processed by our company’s servers and central database where they are currently located. Be aware that we cannot expect that the data protection and other laws of the United States of America, as well as those other countries, might not be comprehensive as yours’. You are cognizant that your use of the services indicates your understanding that your information may be linked both to our facilities and those third parties as provided under this Policy.

16. No Rights of Third Parties
This Policy does not guarantee rights enforceable by third parties or mandatory disclosure of any Pll vis-à-vis users of our websites.

17. How to Contact Us
Should you have questions about this Policy or our information-handling practices, or if you would like to know how we disclose personal information to third parties in connection with their direct marketing purposes, please don’t hesitate to e-mail or post mail using the information stated below:

E-mail
info@dreamautoloan.com

Address
Auto Approval Center
242 West Main Street #177
Hendersonville, TN 37075




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2017-01-24
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Auto Approval Center is a lead provider to lenders around the US. Average APR rates range from 3.2% to 24% depending on credit. Some dealers/lenders may have implications for non-payment or late payments, please see your specific terms for more information. By applying with Auto Approval Center, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score. Thank You for your business!
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