Privacy Policy

1. Overview

XO Auto Group ("Company," "we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services, including our credit application process.

2. Information We Collect

Personal Information

We collect personally identifiable information that you voluntarily provide, including:

• Full name, contact information (phone, email, address)
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Date of birth
• Employment and income information
• Residential history
• Vehicle information
• Financial information for credit applications

Automatically Collected Information

When you visit our website, we may automatically collect:

• Browser type and version
• IP address
• Pages visited and time spent on pages
• Referring URL
• Device information

3. How We Use Your Information

We use the information we collect for the following purposes:

• Processing credit applications and pre-qualifications
• Obtaining credit reports from reporting agencies (with your authorization)
• Communicating with you about your application status
• Complying with legal and regulatory obligations
• Improving our website and services
• Marketing and promotional purposes (with your consent)
• Fraud detection and prevention

4. Disclosure of Information

We may share your information with:

• Credit Reporting Agencies: As authorized by you through the Fair Credit Reporting Act (FCRA)
• Lenders and Financial Institutions: To facilitate credit applications
• Service Providers: Third parties that assist us in operating our website and conducting business
• Legal Requirements: When required by law or to protect our rights

We do not sell, trade, or rent your personal information to third parties for their marketing purposes without your explicit consent.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. All sensitive data, including Social Security Numbers and financial information, is encrypted during transmission and storage. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Fair Credit Reporting Act (FCRA) Compliance

When you submit a credit application, you authorize XO Auto Group to obtain information from credit reporting agencies to conduct a pre-qualification for credit. This disclosure is made under the FCRA. Your credit application does not negatively impact your credit score.

You have the right to dispute information in your credit report. If you believe any information provided to credit bureaus is inaccurate, you may contact the respective credit reporting agency directly.

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt-out of marketing communications
• Withdraw consent for data processing

8. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website. Your continued use of our website constitutes your acceptance of the updated Privacy Policy.