As used herein, the term “personal information” means information that relates to an identified or an identifiable individual (e.g., your name, physical address, telephone number, email address, social security number); and the term “non-personal information” means any information other than personal information that Open Lending may collect from you, such as anonymized data.
1. A Special Note About Minors.
The Site is a general audience website intended for use by adults. The Site is not designed or intended to attract, and is not directed to, children under eighteen (18) years of age, let alone children under thirteen (13) years of age. Open Lending does not collect personal information through the Site from any person it actually knows to be under thirteen (13) years of age. If Open Lending obtains actual knowledge that it has collected personal information through the Site from a person under thirteen (13) years of age, then it will use reasonable efforts to refrain from further using such personal information or maintaining it in retrievable form.
Furthermore, if you are under eighteen (18) years of age, then you (or your parent or legal guardian) may at any time request that Open Lending remove content or information about you that is posted on the Site. Please submit any such request (“Request for Removal of Minor Information”) to [email protected], with a subject line of “Removal of Minor Information.”
Please note that the aforementioned removal does not ensure complete or comprehensive removal of such content or information posted on the Site.
The foregoing is a description of Open Lending’s voluntary practices concerning the collection of personal information through the Site from certain minors, and is not intended to be an admission that Open Lending is subject to the Children’s Online Privacy Protection Act, the Federal Trade Commission’s Children’s Online Privacy Protection Rule(s), or any similar international, federal, state, or local laws, rules, or regulations.
2. Categories of Information Collected.
Open Lending may collect personal and non-personal information about you through the Site. Depending upon your use of the Site, the categories of such information might include:
3. How Information Is Collected.
Depending upon your use of the Site, Open Lending might collect personal and non-personal information from you when you visit, access, register with, subscribe to or use the Site; when you register for, subscribe to, order or purchase any products and/or services on, through or in relation to the Site; when you “sign in,” “log in,” or the like to the Site; when you allow the Site to access, upload, download, import or export content found on or through, or to otherwise interact with, your computer or mobile device (or any other device you may use to visit, access or use the Site) or online accounts with third-party websites, networks, platforms, servers or applications (e.g., your online social media accounts, your cloud drives and servers, your mobile device service provider); or whenever Open Lending asks you for such information, such as, for example, when you process a payment through the Site, or when you answer an online survey or questionnaire.
In addition, if you or a third party sends Open Lending a comment, message or other communication (such as, by way of example only, email, letter, fax, phone call, or voice message) about you or your activities on or through the Site, then Open Lending may collect any personal or non-personal information provided therein or therewith.
Finally, Open Lending might use various tracking, data aggregation and/or data analysis technologies, including, for example, the following:
Please be advised that if you choose to block, reject, disable, delete or change the management settings for any or all of the aforementioned technologies and/or other tracking, data aggregation and data analysis technologies, then certain areas of the Site might not function properly.
By visiting, accessing, registering with or using the Site, you acknowledge and agree in each instance that you are giving Open Lending permission to monitor or otherwise track your activities on the Site, and that Open Lending may use the aforementioned technologies and/or other tracking, data aggregation and data analysis technologies.
4. Use of Information Collected.
Open Lending may use the personal and/or non-personal information it collects from you through the Site in a variety of ways, such as, for example, to:
Open Lending reserves the right to use your personal and non-personal information when:
5. Sharing of Information Collected.
Open Lending may share your personal information with the following:
Open Lending also reserves the right to share your personal information with third parties in connection with or as a result of any potential or actual merger, acquisition or other event involving a change in ownership or control of Open Lending or Open Lending’s business (whether by sale of assets, merger, stock purchase or otherwise).
Open Lending does not limit the ways in which it might use or share non-personal information – and Open Lending reserves the unencumbered right, but not the obligation, to use or share non-personal information – because non-personal information does not identify you. For example, Open Lending may freely share non-personal information with its parent, subsidiary and affiliated companies, its vendors, its suppliers, its representatives and other individuals, businesses and government entities.
You may choose to share certain information and/or follow other users on the Site. You may choose to share your contact information with other users or provide it publicly.
6. Data Retention.
Open Lending may retain your personal information and non-personal information for as long as it it reasonably necessary for a legitimate business purpose. Open Lending may dispose of or delete any such personal information or non-personal information at any time, except as set forth in any other agreement or document executed by both you and Open Lending concerning the same or as required by law.
7. Third Parties and Their Applications and Networks.
The Site and/or any communications sent through or as a function of the Site might contain links to third-party websites, networks, platforms, servers and/or applications. Third-party websites, networks, platforms, servers and/or applications might also contain links to the Site.
In addition, you might have the opportunity to access the Site using your online user accounts with certain third-party websites, networks, platforms, servers or applications, which might be subject to separate privacy policies pertaining to those third-party websites, networks, platforms, servers or applications. Open Lending might also collect information from those third-party websites, networks, platforms, servers or applications (such as, for example, your name, gender, date of birth and personal interests, when you “like” or click links provided by or through those third-party websites, networks, platforms, servers, or applications and other information available through your online account or page with those third-party websites, networks, platforms, servers or applications).
Moreover, Open Lending might permit third parties to use their own tracking, data aggregation and/or data analysis technologies like the ones described above (e.g., third-party cookies).
Open Lending implements security measures to help protect the personal information it collects through the Site. For example, Open Lending encrypts the transmission of information through the Site by using secure socket layer (SSL) technology.
To help maintain the security of your personal information, Open Lending asks that you please notify it immediately of any unauthorized visit, access or use of the Site, or the loss or unauthorized use of your user access information for the Site (e.g., username or password).
9. Retention, Review, and Change of Information Collected.
You may request at any time that Open Lending provide you with an opportunity to review and change your personal information collected through the Site, if any, or to no longer use your personal information to provide you with any products or services. Please submit any such request (“Request Concerning Personal Information”) to [email protected], with a subject line of “Your Personal Information.”
For each Request Concerning Personal Information, please state “Your Personal Information” in the email or letter subject line, and clearly state the following in the body:
a. the nature of your request;
b. that the request is related to “Your Personal Information;”
c. your name, street address, city, state, zip code and email address; and
d. whether you prefer to receive a response to your request by mail or email.
Open Lending is not responsible for any Request Concerning Personal Information that is incomplete, incorrectly labeled or incorrectly sent. You are solely responsible for the accuracy and content of your personal information, and for keeping your personal information current and correct.
11. California privacy rights
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit the CCPA Privacy Notice.
12. Users outside the united states.
We are headquartered in the United States of America. Personal information may thus be accessed by us or transferred to us in the United States. By providing us with personal information, you consent to the storage or processing of your personal information in the United States and acknowledge that the personal information will be subject to the laws of the United States, including the ability of governments, courts or law enforcement or regulatory agencies of the United States to obtain disclosure of your personal information.
13. ONLINE TRACKING.
Open Lending does not respond to “do not track” (DNT) signals.
16. Contact Us.
17. Mergers, acquisitions, and other business transactions
Open Lending may decide to sell, buy, merge or otherwise reorganize its business. If that occurs, you will be notified by email or a prominent notice on our webpage of any ownership change and any change in the use of your personal information. These types of transactions may involve the disclosure of personal information to prospective or actual purchasers, or receiving it from sellers. We seek appropriate protection for personal information in these types of transactions.
18. Modification Date.