FACTS	WHAT DOES Auto Loan Express DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Transaction or loss history and employment information When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Auto Loan Express chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Auto Loan Express share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes – to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	No
For our affiliates’ everyday business purposes – information about your transactions and experiences		No	No
For our affiliates everyday business purposes – information about your creditworthiness		No	We don’t share
For non-affiliates to market to you		No	We don’t share
Questions?		Call (787) 701-2020

What we do
How does Auto Loan Express Protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards such as computer virus protection software, firewalls, and a 128 bit Secure Socket Layer. Only authorized employees have access.
How does Auto Loan Express Collect my personal information?	We collect your personal information, for example, when you Give us your income information Provide employment information Provide account information Give us your contact information Show your driver’s license
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. Auto Loan Express does not have any affiliates.
Non-affiliates	Financial and nonfinancial companies not related by common ownership or control. Auto Loan Express does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Auto Loan Express doesn’t jointly market.

Disclaimer of Liability

The information on this website is provided for informational purposes only. Neither Auto Loan Express nor its employees shall be held liable for any improper or incorrect use of the information described and/or contained herein.

Information We Collect Through Our Website

If you fill out the “Apply Now” form, your name, e-mail address, and/or telephone number may be used by authorized employees to contact you. Details regarding how we treat this information can be found in our Privacy Policy.

Cookies

A cookie is a piece of data stored on the user's hard drive containing information about the user. We use cookies to collect technical and navigational information such as browser type, time spent on our site, and pages visited in order to improve our products and user experience on our website.

This information may be used by third-party advertising companies to display ads when you visit our websites or other sites on the Internet. These companies may collect information about your visits to this and other websites. We may also share personal information with these companies. In either case, the purpose is to provide ads about products and services that may be of interest to you. You may opt out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page.

Privacy Policy

We are committed to protecting your privacy. All information gathered from you in connection with your use of this site will be treated in accordance with our Privacy Policy, please Click Here to review our policy and print a copy for your records.

Security

We maintain physical and electronic safeguards that comply with state and federal regulations to guard your information.

This notice should not be construed in any way as guaranteeing or warranting as fail-proof the security of information exchanged via the this website.

As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information "in writing" – which means you are entitled to receive it on paper. However, with your prior consent, we may instead provide this information to you electronically. We also need your general consent to use electronic records and signatures throughout our relationship with you. So, before you use any of our Electronic Services (as defined below), you must review and consent to the terms outlined below.

In this ESIGN Consent:

• "We," "us," "our" and "Auto Loan Express" means Auto Loan Express, Auto Loan Express partners, and each and every current and future affiliate of Auto Loan Express & Company.
• "You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Auto Loan Express Product that you apply for, use or access.
• "Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
• "Electronic Service" means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
• "Auto Loan Express Product" means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Auto Loan Express Products include Electronic Services.
• The words "include" and "including," when used at the beginning of a list of one or more items, indicates that the list contains examples; the list is not exclusive or exhaustive, the items in the list are only illustrations, and the items are not the only possible items that could appear in the list.

Note: If you click on any hyperlink provided for convenience below, be sure to come back to this page to finish reading this ESIGN Consent.

1. Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing.

In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records"). View additional examples of types of Communications that we may send as Electronic Records under this consent. We may also use electronic signatures and obtain them from you as part of our transactions with you.

Electronic Records may be delivered to you in a variety of ways. These various delivery methods are described in our Online Access Agreement and in other agreements we may have with you from time to time. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both. We will provide you with instructions on how to make those choices when they are available.

We may always, in our sole discretion, provide you with any Communication via paper, even if you have chosen to receive it electronically.

Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this ESIGN Consent will automatically cover those Communications as well.

We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).

2. Your option to receive paper copies.

If we provide Electronic Records to you, and you want a paper copy, you may contact the appropriate customer service unit and request a paper version. You will find the appropriate contact information in the account statement or agreement for the Auto Loan Express Product related to the Electronic Record. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable statement or agreement for any fee that may apply for paper copies.

3. Your option to receive paper copies.

Your consent covers all Communications relating to any Auto Loan Express Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new Auto Loan Express Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other Auto Loan Express Product.

You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on https://autoloanpr.ectpro.co, or, with prior notice to you, on another website where we offer Electronic Services.

4. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal.

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:

• your access to our Electronic Services, including online account access, add-new-card
• your ability to use certain Auto Loan Express Products

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. Depending on the specific Auto Loan Express Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. Please refer to the applicable agreement for any fee that may apply.

To withdraw your consent:

• Please call (787) 701-2020 to withdraw your consent.

5. You must keep your email or electronic address current with us.

You must promptly notify us of any change in your email or other electronic address. Sign on to Auto Loan Express Online® to update your contact information and change the email address on record for you. There may be other, special Auto Loan Express Products for which we provide separate instructions to update your email or other electronic address.

6. Hardware and software you will need.

To receive Electronic Records, you must have access to:

• a Current Version (defined below) of an Internet Browser we support,
• a connection to the Internet,
• A Current Version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader),
• a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form, add-new-card
• an active email address.

In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for particular mobile or handheld devices.

By "Current Version," we mean a version of the software that is currently being supported by its publisher.

From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that your Internet browser is not properly configured, we will provide you with a notice and advice on how to update your configuration.

We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Electronic Services.

7. Changes to hardware or software requirements.

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.

8. Your enrollment in Electronic Services using our equipment.

If you utilize an Electronic Service through one of our customer service representatives or using our equipment, your enrollment may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use Electronic Records and signatures under the terms of this ESIGN Consent.

9. Communications in languages other than English.

Please note, we may be unable to fulfill and service Auto Loan Express Products in a language other than English. Future Communications may be in English only. If you are not fluent in English, you should consider obtaining the services of an interpreter or taking other steps to ensure you understand the transaction before entering into it and to have any future English Communications explained to you.

Our Communications are produced in English. For your convenience, we will provide a Spanish translation when available. You agree that the English version is always the controlling Communication.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Auto Loan Express Products.

Additional examples of Electronic Records covered by this ESIGN Consent include:

• This ESIGN Consent and any amendments;
• Our Online Access Agreement, other service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;
• All of the Communications related to any Auto Loan Express Product, except for those excluded by the terms of this ESIGN Consent;
• All of the periodic account and activity statements, disclosures and notices we provide to you concerning your Auto Loan Express Products;
• Brokerage disclosures, agreements, statements, trade confirmations, tax reporting statements (if you elect electronic delivery), shareholder notices, prospectuses, Service Notices and Performance Reports regarding accounts, products and services offered by or through Auto Loan Express Advisors;
• Any notice or disclosure regarding fees or assessments of any kind, including late fees, overdraft fees, over limit fees, and returned item fees;
• Notices of amendments to any of your agreements with us; and
• Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion