Our Policy

This page combines our Privacy Policy and our Store / Vehicle Sales Policy for Auto Island Credit. Please read it carefully before using our website or purchasing a vehicle.

Important: This page is for general information only and does not replace legal advice. For specific legal questions, please consult with an attorney licensed in your state.

Privacy Policy – Auto Island Credit

Use of this website acknowledges your consent to this Privacy Policy for Auto Island Credit (autoislandcredit.com). Protecting your private information is our priority and we are committed to safeguarding your privacy online. This Privacy Policy explains what personal information we may collect about you through our website, when we collect it, how we may use it, who we may disclose it to, and is intended to help you understand the terms and conditions surrounding the collection and use of your data.

Personal Information We Collect

Our primary goal in collecting your personal information is to enable us to personalize your interactions and experiences with our website and to assist you with vehicle inquiries, financing questions, and purchases.

We may collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, to you (“Personal Information”). In particular, our website may collect the following categories of Personal Information:

  • A. Identifiers – Name, telephone number, postal address, e-mail address, social security number, date of birth, account name, IP address, visitor ID, or other information you voluntarily provide to initiate a purchase transaction or to opt in to receiving future communications from us.
  • B. Personal information categories listed in applicable privacy laws – Name, address, telephone number, physical address, zip code, email address, company name, and other information you may provide to obtain a quote, request financing, or complete a purchase transaction.
  • C. Commercial information – Vehicles or services purchased, requested, or considered, as well as buying histories and preferences.
  • D. Internet or other similar network activity – Type and version of browser, service provider, device identification information, any search engine or referring site you may have used to locate our website, and information regarding your interaction with the website and advertisements.
  • E. Geolocation data – Signals from your device that allow us to determine your approximate location, to show local inventory, pricing, or directions.
  • F. Professional or employment-related information – If you provide it for financing or other purposes, such as employer name, employment status, employment history, or business contact details.
  • G. Inferences drawn from other Personal Information – Information regarding your interaction with the website or advertisements; browsing history and preferences that help us better tailor our offerings.

How Your Personal Information Is Collected

We collect Personal Information that you voluntarily give to us through forms, chat, phone calls, text messages, or other direct contact from you. When you access our website, we may also passively or automatically collect additional Personal Information and non-personally identifiable data via cookies, pixels, device IDs, and similar technologies.

Requests for Vehicle Quotes & Financing

If you request a vehicle price quote or financing information, you may be asked to provide Personal Information such as your name, address, telephone number, zip code, email address and other transactional information related to the desired vehicle purchase. Your Personal Information may be used to contact you with the requested quote or to request additional information. You may also voluntarily provide financial information so that a determination can be made regarding vehicles that meet the parameters of your requested price quote or your pre-qualification for financing, if interested.

Log Files, Analytics & Cookies

We may use IP addresses to analyze trends, administer the site, track user movement, and gather broad demographic and geographic information for aggregate use. We may also use cookies and similar technologies to:

  • Remember your preferences and previously viewed vehicles;
  • Improve your browsing experience on our website;
  • Measure and analyze traffic and usage patterns;
  • Support advertising, attribution, and performance measurement.

You can control cookies through your browser settings. If you disable cookies, some parts of the website may not function properly.

Use of Your Personal Information

We may use or disclose the Personal Information we collect for one or more of the following business purposes:

  • To operate our website and deliver the products and services you have requested, including vehicle sales, financing assistance, and customer service.
  • To respond to your inquiries, questions, and requests, and to communicate with you about vehicles, specials, or services that may interest you.
  • To perform analytics, attribution reporting, and to improve the design, functionality, and content of our website.
  • To detect, prevent, or respond to security incidents, fraud, or other unlawful activity.
  • To comply with applicable legal, regulatory, or contractual obligations.
  • To share data with trusted partners or service providers that help us operate our business; these parties are required to maintain the confidentiality of your information and may only use it to provide services to us.

Third-Party Cookies & Tracking

Some content or applications, including advertisements, on the website may be served by third parties, including advertisers, ad networks, content providers, and application providers. These third parties may use cookies or similar tracking technologies to collect information about you when you use our website, including information about your online activities over time and across different websites.

We do not sell your Personal Information. However, we may share your Personal Information with service providers and business partners that support our operations, subject to contractual safeguards and confidentiality obligations.

Data Retention

We retain Personal Information we collect from you for the period of time that is necessary to fulfill the purposes outlined in this Privacy Policy (for example, to provide you with a service you have requested or to comply with applicable legal, tax, or accounting requirements), unless a longer retention period is required or permitted by law.

Security

We take reasonable precautions to protect your information. When you submit information via our website, that information may be transmitted using secure technologies. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Children Under Sixteen

Our website is not intended for children under 16 years of age. We do not knowingly collect Personal Information from children under 16. If you are under 16, please do not provide any Personal Information on this website.

Access to Third-Party Websites

Our website may contain links to other sites. We are not responsible for the privacy practices of such other sites. We encourage you to read the privacy statements of every website that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

Store & Vehicle Sales Policy

In addition to our Privacy Policy, the following terms describe our general store policy and how we handle vehicle sales at Auto Island Credit. By purchasing a vehicle from us, you acknowledge and agree to the policy below unless otherwise stated in writing on your individual purchase agreement.

Vehicles Sold AS-IS, WHERE-IS

All vehicles are sold "AS-IS, WHERE-IS", with no warranty of any kind, expressed or implied, unless a separate written warranty is provided at the time of sale.

This means:

  • You are responsible for inspecting and test-driving the vehicle before purchase.
  • We strongly encourage you to have any used vehicle inspected by a qualified mechanic of your choice before buying.
  • After the sale is completed, you assume all responsibility for repairs, maintenance, and the condition of the vehicle.

Auto Island Credit does not guarantee the future performance of the vehicle, and we do not reimburse repair costs after delivery unless we have specifically agreed to do so in a separate written document.

No Warranty & Limitation of Liability

Unless otherwise stated in writing, Auto Island Credit disclaims any and all warranties, including but not limited to:

  • Any implied warranties of merchantability;
  • Any implied warranties of fitness for a particular purpose;
  • Any implied warranties arising from course of dealing or usage of trade.

To the maximum extent permitted by law, Auto Island Credit shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the sale or use of any vehicle, including but not limited to loss of use, loss of time, inconvenience, or commercial loss.

Pricing, Taxes & Fees

Vehicle prices may exclude applicable taxes, title, registration, documentation fees, and other charges as permitted by law. We make reasonable efforts to provide accurate pricing information, but errors may occur. In the event of a pricing error, we reserve the right to correct the price or cancel a transaction that was based on incorrect information.

Financing & Credit Applications

Financing is subject to credit approval by third-party lenders. Submitting a credit application authorizes us and our financial partners to obtain your credit report and to use your information for financing decisions. Specific financing terms, rates, and conditions will be provided by the lender.

Deposits and Holds

If you leave a deposit to hold a vehicle, the terms of that deposit (refundable or non-refundable) will be disclosed to you in writing on your receipt or purchase agreement. Please review that document carefully before paying a deposit.

Test Drives & Driver Responsibility

Drivers must present a valid driver's license and may be required to provide proof of insurance before test driving a vehicle. You are responsible for obeying traffic laws and operating the vehicle safely during any test drive.

Your Rights & How to Contact Us

Your Choices

Depending on your location and applicable law, you may have certain rights regarding your Personal Information, which may include:

  • The right to access the Personal Information we hold about you;
  • The right to request corrections to inaccurate information;
  • The right to request deletion of certain information, subject to legal exceptions;
  • The right to opt out of certain types of communications or marketing;
  • The right to withdraw consent where our processing is based on your consent.

Contacting Us

If your Personal Information changes (for example, your email address or phone number), or if you no longer desire to receive marketing communications from us, we will endeavor to correct, update, or remove your information from our records upon request.

To ask questions or make a request regarding this Policy, you may contact us using:

Updates to This Policy

We reserve the right to change and update this Policy. Changes will be posted on this page with an updated date. Your continued use of our website after any update indicates your acceptance of the revised Policy.