Rapid Auto Loans knows that you value your privacy. Because of this, we want you to know that we view your security as a major concern and importance. We make every effort to ensure that your information remains confidential in all aspects of the payday loan process. Rapid Auto Loans has dedicated a large portion of electronic, physical and procedural safeguards to keeping our clients personal information safe. The security and confidence of our clients is an ongoing focus of our company.
1. PROTECTING THE PRIVACY OF CUSTOMER INFORMATION
At Rapid Auto Loans, LLC (hereinafter “we,” “us,” “our,” or “ourselves”), we take our ethical responsibilities and your privacy seriously. We maintain physical, electronic, and procedural safeguards that comply with U.S. standards to transmit and store information about you.
2. INFORMATION WE COLLECT ABOUT YOU
When we need to collect personally identifiable information (“Nonpublic Personal Information’) from you, we will ask you to voluntarily supply us with the information we need to allow us to process your request. The Nonpublic Personal Information’ you share with us will allow us to provide you with relevant information on loans, and other programs and services in which you express an interest. The Nonpublic Personal Information we may ask you for may consist of (but is not limited to) the following: Your name, your address, your telephone number, your e-mail address, your social security number, your loan debt amounts, your employment and income information and your demographic information (e.g., age, gender). This Nonpublic Personal Information information may also be collected from sources such as (but not limited to) the following: Our communications with you, including information we obtain when you register apply for our service or otherwise volunteer information such as your loan debt situation, your income, or your borrowing payment history. We also may collect Nonpublic Personal Information from your from your transactions with us, our affiliates, or other third parties who may provide us with consumer information. We also may collect Nonpublic Personal Information from your from outside companies, such as consumer reporting agencies, for the purposes of evaluating your creditworthiness and credit history and public sources, such as bankruptcy records and real estate records.
3. How We Use Your Nonpublic Information
Nonpublic Personal Information about you and our former customers may be disclosed to others as permitted by law. Generally, this includes disclosures to third parties that provide essential services to us and are necessary to effect, administer or enforce your transaction with us, or in connection with servicing our ongoing customer relations. These parties may include our group of affiliated companies, or their employees, agents or representatives, and courts and governmental agencies, and third parties. You will not have the opportunity to opt out of such disclosures. The Nonpublic Personal Information collected on this website by us and our affiliated third parties will also be used by us to operate this website and to provide the services or products you have requested from us or for us to carry out the transactions you have requested or authorized. We are required to, or we may, provide information about you to third parties other than our related and affiliated entities without your consent, as permitted by law. For example: 1. To respond to a subpoena or court order, judicial process or regulatory authorities; 2. To consumer reporting agencies; 3. In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or operating unit; 4. To protect against fraud, and insure confidentiality and security. We may generally disclose your Nonpublic Personal Information to service providers, including, but not limited to billing service providers, collection agencies, mail and telephone service companies, insurers, loan settlement service providers, attorneys or other professionals. We may use your Nonpublic Personal Information for auditing, research, and analysis to operate and improve our technologies and services. We may use your Nonpublic Personal Information to provide customized content and/or promotional offers by means of e-mail advertising, telephone marketing, direct mail marketing, Web banner advertising, as well as other possible uses. Additionally, we may share aggregated information with affiliated and/or nonaffiliated third parties that does not personally identify you. “Aggregated information” refers to information that we gather by aggregating non-personally identifiable information in order to obtain summaries of use of our website. Such aggregated information is used to analyze website visitor usage patterns and to do such things as negotiate with vendors of Internet services. This aggregated information is not linked to any one customer’s or website visitor’s personal information. Aside from the ways mentioned above, we may sometimes use your Nonpublic Personal Information in other ways, including sharing your information, for compensation, with nonaffiliated third parties so that these third parties can send you promotional materials. We may also use your Nonpublic Personal Information to send you promotional materials ourselves. By “promotional materials,” we mean communications that directly promote the use of websites, products, services, or the purchase of products or services.
By providing your Nonpublic Personal Information to us and by submitting an application to us for a loan, should you be pre-qualified for such a loan, you consent to receive updates electronically via SMS/text messages and you will incur all charges by your cellular service provider.
You may choose to “opt out” of certain uses of your personal information, as described in the following “Opting Out” section.
4. CONFIDENTIALITY AND SECURITY
We restrict access to Nonpublic Personal Information about you to those employees and other parties who must use that information to provide products or services to you. Their right to further disclose and use the information is limited by our employee privacy policies and procedures, applicable law, and nondisclosure agreements where appropriate. We also maintain physical, electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal Information. We also incorporate our privacy protections to ensure sound retention and disposal practices regarding your Nonpublic Personal Information. Furthermore we maintain comprehensive data management procedures throughout the life cycle of our products and services regarding your Nonpublic Personal Information. Our website uses SSL (Secure Sockets Layer) technology to encrypt information you provide to us through our website when you are entering sensitive information (such as a credit card number or Social Security number) in any of our online registration or information-gathering forms. This security measure ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the Internet. (Please note, however, that any information you provide to us by e-mail is not encrypted.) When your information reaches us, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of our company. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Please keep in mind that no method of transmission over the Internet or of electronic storage is 100-percent secure. 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 the security on our website, please feel free to e-mail us at Terms@raloan.com
5. INFORMATION OR EMAIL FROM US
We may send you email regarding our services or those of our affiliates from time to time. We may also send out periodic emails informing you of technical service issues related to a service you requested. You will not be able to choose to opt-out of these electronic mailings, if you apply for service with us, because they are considered an essential part of the service(s) you have chosen.
6. OPT-OUT RIGHTS
Please note that any such opt-out action you take will not apply to transactional e-mails or other non-promotional communications that we may transmit to you regarding any established account that you have with Rapid Auto Loans, LLC.
If you do not want your Nonpublic Personal Information disclosed to nonaffiliated third parties, you may “opt out” of those disclosures, meaning that you may tell us not to make those disclosures (other than disclosures that are permitted by law even if you opt out). If you opt out, we will not disclose the information that you have instructed us not to share with the nonaffiliated third party and/or the nonaffiliated third parties that may independently market products or services to you, but we may include their offers in billing statements or other routine communications that we send to you in connection with servicing your business relationship with us. To opt out, simply call us at the telephone number provided below, or send an e-mail to the below e-mail address, or mail a written request to us at the following address. Once you opt out, there is no need to do so again for the same business relationship.
Rapid Auto Loans, LLC
Attn: Marketing Opt-Outs
911 East Atlantic Blvd
Pompano Beach, FL 33060
7. ACCURACY OF YOUR ACCOUNT INFORMATION
We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us immediately at the address listed under the “Opt Out Rights” section. We will investigate your concerns and correct any information we determine to be inaccurate.
8. SERVICE PROVDERS
We may sometimes require the use of outside, third-party companies (affiliated companies) to provide certain services such as clerical work, information processing, or mailing/shipping services. When you sign up for our services, we will share only as much of your information with these outside companies as is necessary for the provision of such outside services.
9. LINKS TO OTHER WEBSITES
11. CHILDREN AND THE INTERNET
We do not knowingly collect or retain personally identifiable information from consumers under the age of eighteen (18). You must be at least eighteen (18) years of age to obtain services from us. By completing an application you are representing to us that you are 18 years of age or older. Consistent with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
12. ACCESSING YOUR PERSONALLY INDENTIFIABLE INFORMATION
We will make good-faith efforts to provide you access to your personal information upon request. If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, or deactivate your personal information by contacting us at the contact information listed both in the “Opt Out Rights” section above.
13. LEGAL DISCLAIMER
We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders, or subpoenas; to enforce our legal notices or other agreements; to ensure the security of our network and services; to protect our rights, property, or safety; or to protect the rights, property, or safety of our customers, website users, or others (e.g., providing user information to a consumer reporting agency for fraud protection).
15. CONTACTING US
Rapid Auto Loans, LLC
Attn: Marketing Opt-Outs
911 East Atlantic Blvd
Pompano Beach, FL 33060
PLEASE REVIEW THESE TERMS CAREFULLY PRIOR TO USING THE WEBSITE OR PURCHASING FROM THE COMPANY. THESE TERMS OR USE LIMIT YOUR LEGAL RIGHTS, AND INCLUDE AN IMPORTANT ARBITRATION REQUIREMENT. IF YOU DO NOT AGREE WITH THESE TERMS OR THE INCLUDED ARBITRATION REQUIREMENT, PLEASE DO NOT USE THIS WEBSITE OR ORDER FROM THE COMPANY.
Use of the services is limited to parties that lawfully can enter into and form contracts under applicable law. For example, minors are not allowed to use the service
Contents and Linking
All material that appears on this website is for general informational purposes only. While we try to ensure that any information we post to this website is both timely and accurate, errors may appear from time to time. This website may not be updated daily, and certain information may not be the most current information available. Though we may post follow-up information we may not go back and change the original content to reflect new developments. If you're looking for the most recent information on a given subject be sure you're not looking at out of date content. Before you act on information you've found on our website, you should independently confirm any facts that are important to your decision.
Company is not responsible for, and cannot guarantee the performance of, any products and services provided by any advertisers or others to whose sites we link. A link to another website does not constitute an endorsement of that site (nor of any product, service or other material offered on that site) by Company or its licensors.
Although we make this website freely accessible, we don't intend to give up our rights, or anyone else's rights, to the materials appearing on the website. The materials available through this website are the property of Company or its licensors, and are protected by copyright, trademark and other intellectual property laws. Except for the limited licenses expressly granted to you in this agreement, Company and its licensors expressly reserve all other rights and licenses. You are free to display and print for your personal, non-commercial use information you receive through this website, but you may not otherwise reproduce or modify any of the materials without the prior written consent of their owner. You may not distribute copies of materials found on this website in any form (including by e-mail or other electronic means), without prior written permission from its owner. Of course, you are free to encourage others to access the information themselves on this website and to tell them how to find it. Requests for permission to reproduce or distribute materials found on this website should be sent to Rapid Auto Loans LLC 911 East Atlantic Blvd. Pompano Beach FL. 33060
Trademark & Patent Information
Company and its trademarks and service marks, logos and product and service names and phrases which Company now claims or may claim in the future are trademarks of Company (the "Company marks"). You agree not to display or use the Company marks in any manner, without Company's prior written permission.
You should report any violations of the Agreement to Terms@raloan.com
Submissions and Postings; Disclosure
You are solely responsible for any information that you may submit or post on this website. By using this website you agree not to submit, post or transmit any defamatory, abusive, obscene, threatening or illegal material, or any other material that infringes on the ability of others to enjoy this website or that infringes on the rights of others. We retain the right to deny access to anyone who we believe has violated these terms or any other term of this agreement.
We reserve the right (but assume no obligation) to monitor, delete, move, or edit any submissions or postings that come to our attention that we consider unacceptable or inappropriate, whether for legal or other reasons. We will comply with all requirements of the law regarding disclosure of any submissions or postings on this website to others, including to law enforcement agencies and parties making civil legal requests. We will also comply with any other requirements of the law regarding disclosure of other aspects of your use of this website.
Company reserves the right at any time to terminate your use of this website if you fail to comply in full with any term of this agreement, or any other terms, agreements, or policies that apply to this website and the use of it.
You agree to indemnify, defend, and hold harmless Company (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees, agents, licensors, suppliers and any third-party information providers) against all claims, losses, expenses, damages and costs (including reasonable attorney fees) resulting from any breach of this agreement or unauthorized use of this website. Your indemnification obligation shall survive the termination of this agreement. At our expense and election, we reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you and you agree to cooperate with Company in connection with our defense.
Disclaimer of Warranties and Liability
YOU AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. BECAUSE OF THE NUMBER OF POSSIBLE SOURCES OF INFORMATION AVAILABLE THROUGH THE WEBSITE, AND THE INHERENT HAZARDS AND UNCERTAINTIES OF ELECTRONIC DISTRIBUTION, THERE MAY BE INTERRUPTIONS, DELAYS, OMISSIONS, INACCURACIES, OR OTHER PROBLEMS WITH SUCH INFORMATION. IF YOU RELY ON THIS WEBSITE OR ANY MATERIAL AVAILABLE THROUGH THIS WEBSITE, YOU DO SO AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS WEBSITE.
THIS WEBSITE IS PROVIDED TO YOU "AS IS," "WITH ALL FAULTS," AND "AS AVAILABLE." COMPANY AND ITS AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, USEFULNESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE WEBSITE, NOR DO THEY GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, OR CONTINUOUSLY AVAILABLE, OR THAT THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
UNDER NO CIRCUMSTANCES SHALL COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) OR ITS AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES ARISING OUT OF ANY USE OR MISUSE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, LIABILITY FOR CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES, EVEN IF ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF THE FORM OR CAUSE OF ACTION INCLUDING, BUT NOT LIMITED TO, CONTRACT, NEGLIGENCE, AND OTHER TORT ACTIONS. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF COMPANY AND ITS AGENTS AND LICENSORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW. YOU AGREE THAT THE LIABILITY OF COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) AND ITS AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM IN ANY WAY CONNECTED TO THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPANY FOR THE USE OF THE WEBSITE.
Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. To the extent a court determines any provisions in this Agreement to be unenforceable; such a determination shall not affect the validity of the remaining terms of this Agreement, which shall remain in full force and effect.
Arbitration and Applicable Law
By visiting and/or using the Company Website form within the United States, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern this Agreement and any dispute of any sort that might arise between you and Company or its affiliates. All arbitration proceedings must be commenced within two (2) years from date claim arises, or claims are waived.
IN THE EVENT OF ANY CONTROVERSY, CLAIM OR DISPUTE BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE BREACH, TERMINATION, ENFORCEMENT, INTERPRETATION OR VALIDITY THEREOF, INCLUDING THE TERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE, SHALL BE DETERMINED BY ARBITRATION IN PALM BEACH COUNTY, FLORIDA OR IN THE COUNTY IN WHICH THE CONSUMER RESIDES, IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA FOR AGREEMENTS TO BE MADE IN AND TO BE PERFORMED IN FLORIDA. THE PARTIES AGREE, THE ARBITRATION SHALL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) PURSUANT TO ITS RULES AND PROCEDURES AND AN ARBITRATOR SHALL BE SELECTED BY THE AAA. THE ARBITRATOR SHALL BE NEUTRAL AND INDEPENDENT AND SHALL COMPLY WITH THE AAA CODE OF ETHICS. THE AWARD RENDERED BY THE ARBITRATOR SHALL BE FINAL AND SHALL NOT BE SUBJECT TO VACATION OR MODIFICATION. JUDGMENT ON THE AWARD MADE BY THE ARBITRATOR MAY BE ENTERED IN ANY COURT HAVING JURISDICTION OVER THE PARTIES. IF EITHER PARTY FAILS TO COMPLY WITH THE ARBITRATOR’S AWARD, THE INJURED PARTY MAY PETITION THE CIRCUIT COURT FOR ENFORCEMENT. THE PARTIES AGREE THAT EITHER PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN HIS/HER OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. FURTHER, THE PARTIES AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OF MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. THE PARTIES SHALL SHARE THE COST OF ARBITRATION, NOT INCLUDING ATTORNEYS FEES, EQUALLY. IF THE CONSUMERS SHARE OF THE COST IS GREATER THAN $1,000.00 (ONE-THOUSAND DOLLARS), THE COMPANY WILL PAY THE CONSUMERS SHARE OF COSTS IN EXCESS OF THAT AMOUNT (costs of arbitration service for individual arbitration, not attorneys’ fees or other fees). IN THE EVENT A PARTY FAILS TO PROCEED WITH ARBITRATION, UNSUCCESSFULLY CHALLENGES THE ARBITRATOR’S AWARD, OR FAILS TO COMPLY WITH THE ARBITRATOR’S AWARD, THE OTHER PARTY IS ENTITLED TO COSTS OF SUIT, INCLUDING A REASONABLE ATTORNEY’S FEE FOR HAVING TO COMPEL ARBITRATION OR DEFEND OR ENFORCE THE AWARD.
Special Admonitions for International Use
You agree that Company may submit any notices to you via either e-mail or regular mail. The service may also provide notices by displaying notices or links to notices to you generally on the service, which notice you also agree Company may submit to you via e-mail or regular mail. You specifically agree that by submitting an application to Company for a loan, should you be pre-qualified for such a loan, you consent to receive updates electronically via SMS/text messages and you will incur all charges by your cellular service provider for such messages.
No Resale of Service
Unless expressly permitted in writing by Company, you agree not to reproduce, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of the service, use of the service, or access to the service.
We invite you to send in your questions or comments about this website, or to bring to our attention any material you believe to be inaccurate. You may provide general feedback by emailing us at Terms@raloan.com