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Privacy Policy

An Important Message Concerning Your Privacy is a CAL  website property (collectively referred to herein as “CAL”).

At CAL we value our customers’ trust and confidence. CAL is dedicated to protecting the privacy of your personal information. This privacy policy outlines the safeguards we employ to protect your personal information and explains how we collect and use that information. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. We do so with the intent to provide you with additional information and support that may provide you additional financing options, products and services. We recognize the importance of your trust, and we greatly appreciate your business. Please read the following privacy policy.

Our Privacy Policy

This disclosure is our privacy policy. We want you to understand:

  • Who we are
  • How we collect your information
  • How we share your information
  • How we safeguard your information
  • How long we retain your information
  • Whether it’s necessary to opt out
  • Other Web sites’ privacy policies

Who We Are

CAL is an online lending marketplace for consumers seeking financing. We provide information and the ability to apply online. If approved, you can then choose a Lender and financing that satisfies your needs.

How We Collect Your Information

In order to match you with appropriate lenders, automobile dealerships and/or affiliates, you will provide certain personal information such as name, address, e-mail address, social security number and income. This and other information such as your credit history and credit score may be obtained and provided to certain participating lenders and affiliates for a loan decision.

How We Share Your Information

We use the information you provide, as well as information from your credit report, to match you with appropriate lenders, automobile dealerships and/or affiliates. Once you submit your information to CAL, lenders, automobile dealerships and/or affiliates will decide whether to make you a loan offer. All lenders, automobile dealerships and/or affiliates on the CAL platform are required to comply with the federal privacy laws; however, we suggest you review their privacy policies before accepting a loan transaction with them. Our objective is to help find financing options so that you can purchase or lease the car you want. If you have a unique situation and we are unable to match your profile with one of our lending sources, we continue to remain committed to helping you look for financing options through affiliates who may be better able to help you obtain financing through their dealership networks. Additionally, you may be notified of special offers through promotional affiliates. When you register with CAL and leave the box checked stating “I want to receive information…” you explicitly authorize us to share your information and to contact you via email. Finally, in certain situations we may be required to share your information with law enforcement or government agencies in response to a subpoena, state or federal audit, or other similar circumstances.

How We Safeguard Your Information

CAL uses extensive and sophisticated secure technology to protect your data and transmissions between you, CAL, participating Lenders, automobile dealerships and/or affiliates. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires an SSL-capable browser such as Microsoft Internet Explorer version 5.5 (or later) or Netscape Navigator version 4.7 (or later). Transmissions between CAL and participating lenders, automobile dealerships and/or affiliates are encrypted using public key cryptography algorithms with a minimum key size of 256 bits. Since ensuring your information is secure is important to us, we further limit access to your information to those employees who need access in order to perform their job. We maintain physical, procedural, and electronic safeguards to protect your information from unauthorized access.

How Long We Retain Your Information

Federal and state agencies require that we retain certain loan-related information. Therefore, we may retain your information for a period of seven years.

Is It Necessary To Opt-Out?

The law allows financial institutions to share your information unless you tell them not to; we will share your information unless you opt out. If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change electronically. Your ability to opt out of the new policy will be determined by applicable laws which will be included in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you. You may opt out by emailing us at

Other Web Sites

Finally, there are “hyperlinks” or “links” to other web sites embedded within our web site. If you choose to click on one of these links, you will be governed by the privacy policy of the linked web site, even if the content is framed within our Web site.

Last Updated: 4/10/2012

Should you have questions about this privacy policy, please email us at