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Privacy Policy
Your Privacy Rights

Thank you for visiting the Redwood Lending Service’s website (including its mobile device-ready version). In this Privacy Notice, we refer to our websites and mobile app together as our “Online Services.”   This Privacy Notice describes the types of personal information we collect from consumers through our Online Services. This notice also describes how we use the information, with whom we may share it, the choices available to you regarding our use of the information, the measures we take to protect the security of the information, and how you can contact us about our privacy practices.

Children's Privacy

The Online Services are not directed to children under the age of eighteen and we do not knowingly collect personal information from children under the age of eighteen through our Services. We encourage parents and legal guardians to help enforce our Privacy Notice by instructing children under the age of eighteen not to download or use the Online Services.

Contact Us

If you have any questions about this Privacy Notice or our privacy practices, or if you would like us to limit the communications from us or exercise other applicable privacy rights, please contact us by e-mail at info@redwoodls.com or write to us at: Redwood Lending Services, P.O. Box 14608, Irvine, CA 92623 C/O Legal Department.

How we protect 

personal information

We maintain administrative, technical and physical safeguards designed to protect personal information against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

Financial Privacy

Updates to Our Privacy Notice

If you are a consumer who uses our financial services, please review our Financial Privacy Policy

choices

We offer you certain choices in connection with the personal information we obtain about you. To update your preferences or limit the communications you receive from us, please contact us as specified in the How to Contact Us section of this Privacy Notice.

From time to time we may change our privacy practices. This Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our personal information practices. We will post an updated copy on our website and indicate at the top of the Privacy Notice when it was most recently updated. Please check our site periodically for updates. If we make a material change to our Privacy Notice, we will take reasonable steps to notify you, such as sending an email or posting notice on the Online Services.

California Residents

Subject to certain limits under California law, California residents have the following rights:

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  • Right to access personal information: Individuals exercising this right may request access to the categories and specific pieces of their personal information we have collected in the prior 12-month period and information about our handling of such information;

  • Right to deletion: Individuals exercising this right can ask us to delete their personal information we have collected, though we may be permitted to retain personal information for certain purposes; and

  • Right to opt-out of sales: Redwood Lending Services does not monetize your personal information, but we may share information with third parties in exchange for receiving insights, or other valuable services.  The California Consumer Privacy Act treats some of these disclosures as “sales.”  You may request to opt out of such “sale” of your personal information to those third parties.

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You may exercise these rights without fear of being denied goods or services. We may, however, provide a different level of service or charge a different rate reasonably relating to the value of your personal information. If you are a California resident and would like to exercise one of your rights, please contact us by emailing info@redwoodls.com or by calling (866) 753-7228.   

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Subject to certain limits under California law, California residents may ask us to provide them with (1) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year, and (2) the identity of those third parties. If you are a current Redwood Lending Services customer in California, you may make this request for such information from Redwood Lending Services by sending an email correspondence noting your name, address, and email address. You must also include a request that Redwood Lending Services provide such information to you using the following or similar verbiage. “I request that Redwood Lending Services provide its third-party information sharing disclosures required by section 1798.83 of the California Civil Code." Press the link at the end of this sentence to create your message: info@redwoodls.com.” The same request may be made by regular mail by sending the above information to Redwood Lending Services, P.O. Box 14608, Irvine, CA 92623.

third Party Sources, Features,

and  other online services

We collect information from third parties, such as social media platforms, government agencies including the DMV, credit reporting agencies, reputation and identify verification services, vehicle history services, insurance companies, skip trace vendors, marketing vendors, data analytics companies and data suppliers. The categories of information that we collect about you from such sources are:

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  • Identifiers;

  • Financial, medical, or health insurance information;

  • Demographics;

  • Commercial information;

  • Professional information; 

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Our Online Services may transfer you or provide links to other online services (such as websites) for your convenience and information, and may include third-party features such as apps, tools, payment services, widgets and plug-ins (e.g., Facebook, LinkedIn or Twitter buttons). These online services and third-party features may operate independently from us. The privacy practices of the relevant third parties, including details on the information they may collect about you, is subject to the privacy statements of these parties, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by us, Redwood Lending Services is not responsible for these third parties’ information practices.


We may maintain presence on several social networking and blogging platforms, such as Facebook and Twitter, and we also incorporate some third-party social networking features into our Online Services. Through these platforms and features, we may receive information about you, and this Privacy Notice applies to that information as well. In addition, third-party social networking platforms and blogging platforms have their own privacy policies which explain how the third parties that provide them will use and protect your information.

Online Tracking & Interest-Based Advertising

Redwood Lending Services does not track your online activity with websites other than RedwoodLendingServices.com.   However, if you would like to learn how to opt out of certain ad network interest-based advertising in the U.S., please visit YourAdChoices.com and or OptOut.Networkadvertising.org. Choices you make may be browser and specific to your device. In addition, your mobile device settings may allow you to limit your device from sharing certain information for advertising purposes. Learn more information on these types of settings by exploring Google Play Help - Advertising ID and limiting your Apple ad tracking.

Information We Obtain

We may obtain information from and about you in different ways. We obtain information from content you submit or provide to us through telephone calls, emails, forms submitted online, and other correspondence; and from information you provide when you apply for financing. The types of personal information we may obtain directly from you include:

  • Identifiers, such as name, username and password, phone number, fax number, email and postal address, Social Security Number, date of birth, driver’s license number, and social media handle;

  • Commercial information, such as information about the transactions you conduct with us (such as vehicle financing), payment information you provide through our Online Services, email or over the phone,  including billing address and payment card details (payment card number, expiration date and security code);

  • Professional information, such as information about your job or employer, salary information, and prior work history;

  • Demographics, such as military service, age, gender, marital status, and other characteristics you provide to us via your credit application, financing process, correspondence, etc;

  • Records of your interactions with our call center representatives;

  • Internet or other electronic activities, such as payments made through our Online Services; and

  • Preferences, such communications preferences. 

 

We also may collect other information in connection with our Online Services, products and services in ways that we describe at the time of collection or otherwise with your consent. As a reminder, if you are a customer who provides personal information to us in connection with our financing services, please read our Financial Privacy Policy.

HOW WE USE THE INFORMATION WE OBTAIN

We may use the information we collect to:

  • Process, evaluate and respond to requests, inquiries and transactions we receive in connection with your account with us or approval of credit applications;

  • Enter into and finalize our transactions with you, including vehicle financing;

  • Create, manage and administer your account and/or Online Services account, including identifying and authenticating you so you may access your account or use certain features of our Online Services;

  • Provide customer and technical support;

  • Operate, evaluate and improve our business and Online Services (including developing new products and services; enhancing and improving our Online Services, products and services; managing our communications; measuring the effectiveness of our servicing, communications; analyzing our customer base, Online Services, and performing accounting, auditing and other internal functions);

  • Protect against, identify and prevent fraud and other criminal activity, claims and other liabilities; and

  • Comply with and enforce applicable legal requirements, relevant industry standards and our policies, including this Privacy Notice and our Terms of Use.

We also may use the information we obtain about you in other ways for which we provide specific notice and obtain your consent if required by applicable law.


 

In addition, we may combine information that we obtain about you. For example, we may combine:

  • Information that we have obtained offline with information we obtain through our Online Services;

  • Information we obtain through automated means with information you submit to us;

  • Information about our transactions and experiences with you with other information we have collected from you;

  • Financial information we learn about you with other information we obtain; and

  • Information we get from a third-party with information we already have.

INFORMATION SHARING

We may share your personal information with third parties to the extent permitted by applicable law, including:

  • We may share information with third parties who perform services for us or on our behalf. For example, we share information with vendors who send emails for us. We may also share information with companies that operate our website. The information we share may include location information. We do not authorize our service providers to use or disclose the information except as necessary to perform services for us or on our behalf or to comply with legal requirements;

  • We may share information with third parties to complete your transactions, including Departments of Motor Vehicles;

  • We may share information with our business partners, vendors, or insurance companies.  For example, we will provide your account balance to your GAP company should the need arise.

  • We may share information if we think we are required to do so or believe that we have to do so in order to protect ourselves. For example, we may share information to respond to a court order or subpoena. We may share it in response to requests by a government agency or investigatory body. We may share information to establish, exercise or defend our legal rights or when we are investigating suspected or actual illegal activity or fraud;

  • We may share information with any successor to all or part of our business. We reserve the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a merger, acquisition, joint venture, reorganization, divestiture, dissolution or liquidation); and

  • We may share information for other reasons we may describe to you.

We share the following categories of your personal information for business and operational purposes, such as auditing transactions, data security, debugging and product improvement, customer service, fulfillment, marketing, advertising, analytics, processing transactions, and servicing and maintaining accounts:

  • Identifiers;

  • Commercial information;

  • Online activities;

  • Professional information;

  • Records of your interactions with us;

  • Demographics; and

  • Preferences.

California law requires that we describe certain disclosures of personal information where we receive valuable consideration. California law considers such disclosures a “sale” even if no money is exchanged. The information we “sell” in this manner includes information collected when you engage with our website, mobile application, and other digital offerings.

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