Crown Title Loans may collect and store personally identifiable information about you when you voluntarily submit such information to CTL via the Application or the Website. Personally identifiable information may include your name, email address, physical address, and other information that specifically identifies you. CTL may use any personal information you supply through the Application or the Website in accordance with its Privacy Policy and applicable law.
CTL may also automatically collect (through cookies, described below, and other methods) and store aggregate or anonymous information about user contact with and use of the Application and the Website. This information, which does not identify individual consumers, is used by CTL for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws. Examples of this type of information include demographic information, the type of Internet browser you are using, the length of time you spent on the Application or the Website, the domain name of the Website from which you linked to our Website or Application, system configuration, and settings and your browsing habits on and usage of the Application or the Website. Non-personally identifiable information may also include personally identifiable information that has been aggregated so that no one individual is specifically identifiable (such as, how many users in a particular city access the Application or the Website).
Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.
We automatically log generic information about your computer and mobile device and your computer's and mobile device's connection to the Internet, which we call "session data." Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our Website or Application. An IP address is a number that lets computers and mobile devices connected to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the Website or Application which the user wishes to view or use. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the Website and using the Application, how many visitors are surfing to various pages on the Website and using features of the Application, how long visitors to the Website and users of the Application are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity, whether via computer or device. We also collect and use session data to help prevent the unauthorized use of our Website and the Application. Session data is sometimes shared with third parties.
CTL collects anonymous, non-confidential, and non-personal information when you use the Application or the Website, send us emails, or respond to special promotions or newsletters that we may send to you from time to time. For example, cookies are small computer files that we transfer to your computer's hard drive that allow us to know how often someone visits a Website or application and the activities they conduct while on that Website or while using the application (whether you requested more information, etc.). Every computer and device is assigned a different cookie by CTL. The information collected by cookies helps us dynamically generate content on web pages and also allows us to statistically monitor how many people are using the Application, the Website, or are opening our emails. We may use cookie information to determine the popularity of certain content or advertisements. It may be possible to link non-personal cookie information to personally identifiably information collected. You may be able to turn off cookies in your browser, but this may hinder our ability to provide you with certain services or your ability to enjoy certain features of the Application or the Website.
If you submit an application for credit or credit services via the Application or the Website, you understand and agree that we may obtain a consumer credit report in connection with your application and in connection with any updates, renewals, refinances or extensions of any credit or credit services as a result of your application. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may investigate your credit, employment and financial status and value of your collateral with 3rd parties which may include credit bureaus and other non-traditional sources of data in connection with the review of your application or collection of any extension of credit or credit services made to you as a result of this application or for other legitimate purposes related to such transactions.
By using the Application and the Website, you agree that Internet transmissions are never completely private or secure. We take commercially reasonable measures to protect the security of information electronically transmitted to us through the use the information forms integrated into the Application and the Website. However, we advise you to exercise caution when sending us e-mail through the Internet. You understand that any message or information you send through email may be read or intercepted by others. For example, e-mail may be intercepted by a third party. Please do not use e-mail to send us confidential or privileged information (such as social security numbers, bank account numbers, etc.) or information we have required you to send us in writing. You agree that we have no liability for any losses or damages you incur as a result of a third party intercepting and using without authorization any information transmitted by you via unsecure e-mail. When you send emails to us, you are communicating with us electronically, and you consent to receive responsive communications from us electronically via email or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that we may send email to you for the purpose of advising you of changes or additions to the Application or the Website.
Not all the products and services described in the Application and the Website are available in each State. In addition, the terms of the products and services differ depending on the State. Where you reside may limit whether you qualify for certain products and services. In our sole discretion, we determine the eligibility requirements, including residency requirements, for any product or service we offer. A third-party (such as a CSO lender) may in its sole discretion determine the eligibility requirements, including residency requirements, for any product or service the third-party offer. Our description of the products and services, including, if any, interest, fees, and charges, may change without notice. The general description information on the Application and the Website is not a binding legal offer, and each product or service remains subject to our underwriting and eligibility requirements. We do not intend for the Application or the Website and/or any products, services or information described or provided therein to be obtainable or used by any person in any city, state or jurisdiction where such distribution, availability or use would violate applicable law.
THE APPLICATION AND THE WEBSITE ARE PROVIDED BY CTL ON AN "AS IS" BASIS. CTL MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE APPLICATION AND THE WEBSITE, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS, INCLUDED ON THE APPLICATION AND THE WEBSITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CTL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY; NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.
YOU ACKNOWLEDGE, BY YOUR USE OF THE APPLICATION AND THE WEBSITE, THAT YOUR USE OF THE APPLICATION AND THE WEBSITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF THE APPLICATION AND THE WEBSITE.
CTL DOES NOT WARRANT THAT THE APPLICATION AND THE WEBSITE, ITS SERVERS OR EMAIL SENT FROM CTL ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT CTL WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE APPLICATION AND THE WEBSITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL PUNITIVE AND CONSEQUENTIAL DAMAGES.
YOU ACKNOWLEDGE THAT CTL DOES NOT WARRANT THAT THE APPLICATION AND THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION PROVIDED ON THE WEBSITE OR IN THE APPLICATION. CTL DOES NOT ENDORSE CONTENT, PRODUCTS OR SERVICES APPEARING ON LINKED WEBSITES OR APPLICATIONS OR PURCHASED VIA LINKED WEBSITES.
CERTAIN STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.