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Privacy Policy

Policy for collecting, securing and using personal information.

Overview

Caribou maintains this website (the “Site”) and associated service for information and communication purposes, as well as for purposes associated with automobile loans (the “Service”). Caribou is committed to protecting the privacy of information submitted through the Service. This privacy statement (the “Privacy Statement”) summarizes the various ways that Caribou handles personally identifiable and other information about you and your computer or device when you access, visit, or use Caribou, and how Caribou uses and protects such information.

If you breach or violate the rules, restrictions, limitations, terms and/or conditions that apply to the Service, whether listed in the Privacy Policy, posted at any point in the Service, or otherwise communicated to you, Caribou may terminate, discontinue, suspend and/or restrict your ability to access, visit, and/or use the Service, with or without notice. Caribou may further restrict or refuse to provide you with any future access and/or use of the Service. Finally, Caribou reserves the right to take any technical, legal and/or other actions that it deems necessary and/or appropriate, with or without notice.

Section 1

What do we do with your information?

When you use Caribou to view and accept refinance offers, we collect the personal information you give us such as your name, address, date of birth, phone number, income information and email address (collectively, “Personal Information”), with your specific knowledge and consent.

When you browse our Site, we also automatically receive your computer’s Internet Protocol (“IP”) address in order to provide us with information that helps us learn about your browser and operating system.

Section 2

Consent

When you provide us with personal information to view offers, we imply that you consent to our collecting it and using it for that specific reason only.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

Phone and Email communication: You agree and consent to Caribou contacting you by telephone. Caribou may send you emails about our offers and other updates at the email address you provide.

Text Message Policy: By providing your cell phone number, you have provided us with consent to send you text messages in conjunction with the services you have requested. You understand that text messages may be seen by anyone with access to your phone and data rates may apply to text messages.

Electronic Signatures: Your consent allows Caribou to obtain and rely on your electronic signature(s).

Section 3

Disclosure

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Use.

Section 4

Data Storage

Your data is stored by Caribou on a secure server behind a firewall. Security is discussed below in Section 8.

Section 5

Device and Usage Information

We may automatically collect the following types of information as you use our Site and Services. We use commonly used information-gathering tools, such as cookies (discussed in Section 6), to collect information as users navigate the Services.

Usage Information: We collect certain information automatically through your use of the Site, such as which of our web pages you access, the frequency of access, and what you click on while on our Site. Location Information: We may collect information about your actual location which may be determined from: IP address, GPS, and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers. Device Information: We may collect information about the device you are using such as: hardware model, operating system, application version number, browser, and IP addresses. Mobile Device Information: In addition to the Device Information listed above, when you access our Site or Services via a browser on your mobile device, we may also collect mobile network information including phone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.

Section 6

Cookies and Other Tracking Technologies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.

Session Cookies: We use session cookies to make it easier for you to navigate our Site. The session ID cookie expires 24 hours after you sign in to our Site. Persistent Cookies: We use persistent cookies that remain on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited. For example, you cannot create an account with us or take out a loan or other product without accepting cookies.

We may use a software technology called tracking pixels (a.k.a. web beacons or clear gifs) that help us better manage content on our Site by informing us what content is most effective. Tracking pixels are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, tracking pixels are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.

We may also use other website or mobile tracking technologies, such as device fingerprinting, to identify you and keep track of your preferences, prevent fraudulent activity or improve Site security, assess the performance of the Site, and deliver content to you based on your interests on our site and third-party sites.

Relating to third party data collection, some content or applications on the Site may be provided by third parties, including advertisers, ad networks and servers, analytics companies, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you use our Site. The information they collect may be associated with your personally identifiable information or they may collect information, including personally identifiable information, about your online activities over time and across different websites and other online services.

We may from time to time contract with third-party vendors to work on our behalf to provide ads to our customers via the Internet or to send direct mail or catalogs to customers whom we think may be interested in our products or services. In order to do so, these third parties may collect information concerning visitors to our websites using JavaScript software code and “cookies.” Our vendors may then connect the information that they collect from our website using “cookies” to other sources of information, which may include your name and mailing address, for the purpose of sending you direct mail promotions. By using this site, you consent to these activities, including information collection by our vendors. If you do not wish for cookies to be placed on your computer, most web browsers permit you to prevent that from taking place. Additionally, information about opting out of cookie-based advertising can be found via the following links - http://optout.networkadvertising.org/#!/ and https://www.neustar.biz/privacy/opt-out. However, please keep in mind that cookies and similar technologies are an important part of how the website works; removing, rejecting, or limiting the use of cookies or other similar technologies might affect the availability and functionality of the website. To opt-out of receiving our direct mail or catalogs, you may send us an email at contact@goCaribou.com, call us at 1-877-633-9060, or send a written request to Caribou at 1010 N Glebe Rd, Suite 200, Arlington, VA 22201. We will honor those requests, but please understand that it may take 60 days for such mailings to end.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. Some of these third parties may provide you with ways to choose not to have your information collected or used for targeted advertising.

Section 7

Third-Party Services

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers have their own privacy policies in respect to the information we are required to provide to them for your credit-related purposes.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers. Additionally, the use of third-party cookies is subject to the privacy parties of these third parties and Caribou has no liability relating to the use of the third-party cookies. If you do not want these services, you may be able to opt out by visiting http://www.aboutads.info and/or www.networkadvertising.org.

In particular, remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. If you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

Once you leave our website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.

When you click on links on our website, they may direct you away from our Site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

Section 8

Security

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed. If you provide us with your information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption.

Your information may be transferred to, and maintained on, servers and database located outside of your state, province, country or other governmental jurisdiction where the privacy laws may not be as protective as your jurisdiction. Please be advised that Caribou may transfer your information to and from any state, province, country, or other governmental jurisdiction and process it in the United States or elsewhere. Caribou may transfer any information that Caribou has about you in connection with a change in corporate control, including transfers made as part of insolvency of bankruptcy proceedings including all or part of Caribou or as part of a corporate reorganization or stock sale.

Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all security requirements and implement additional generally accepted industry standards. Caribou notes that no system of electronic security is impenetrable and Caribou cannot guarantee the security of the information that you send to us or the security of our servers, networks, or databases. Therefore, by using the Service, you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit, and/or use the Service. This includes, without limitation, any personally identifiable information that you provided to Caribou. Caribou is not responsible for any loss of such information or the consequences thereof.

Please further note that, in the event that you choose to store information, such as your personally identifiable information, where others may access it, Caribou is not responsible for any loss of such information or the consequences thereof. If you lose a computer, mobile or other device, or it is stolen, that contains your personally identifiable information or other information, it is up to you to take all the steps necessary to protect yourself.

In the unlikely event that Caribou believes that the security of your information in Caribou’s possession or control may have been compromised, Caribou may seek to notify you if notification is required under the law of your state. If notification is appropriate, Caribou may notify you via your computer, mobile or other device.

Section 9

Age of Consent

By using this Site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence. The Caribou website is not intended for use by children, especially those under age 18. No one under the age of 18 is allowed to use the Service.

We do not knowingly collect personal information from children under the age of 13. If we obtain knowledge that we have personally identifiable information about a child under 13 in retrievable form in our files, we will delete that information from our existing files.

Section 10

Assistance to Victims of Identity Theft

If you suspect that someone has had unauthorized access to the information you provided to Caribou, or any accounts with Caribou, or access to your personally identifiable information, you should report this crime to your local law enforcement agency and to the Federal Trade Commission (FTC). To speak with a trained FTC telephone counselor, call toll-free: 1-877-IDTheft (1-877-438-4338). Or, to enter information about your complaint into a secure FTC online database, visit www.consumer.gov/idtheft. The Site also provides links to consumer education materials.

Section 11

Changes to this Privacy Policy

We reserve the right to modify this privacy policy at any time. Changes, additions, updates, and modifications will take effect immediately upon their posting on the website. The date of the most recent revision will appear on this page. If Caribou is acquired or merged with another company, your information may be transferred to the new owners.

Section 12

GLB Privacy Notice

Caribou, Inc. GLB Privacy Notice

Questions and contact information

If you would like to access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at legal@gocaribou.com or by mail at:

Caribou Financial, Inc. d/b/a Caribou

1717 Rhode Island Avenue NW, Suite 500

Washington, DC 20036

Attn: Legal

Last Updated: November 2021

With Caribou, you could start saving today!

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NMLS #1746612
1.877.445.0070

Mon - Thu: 9am - 9pm EST

Friday: 9am - 8pm EST

1717 Rhode Island Ave, NW, Suite 500 Washington, DC 20036


* Savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

+ To check the rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

++ Social security number is required should you choose to move forward in the loan application process.

** APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. Advertised 1.59% APR is based on a representative example of refinancing a 2019 or newer vehicle with a FICO score higher than 740 with enrollment in direct deposit payments via ACH. Not all borrowers will receive the lowest rate. All applications are subject to verification of employment. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.

Terms and Conditions apply. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice. The information you provide to us is an inquiry to determine whether our lenders can make you a loan offer. If any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.


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