Privacy Policy

1. Scope

This Privacy Policy explains how Universal Auto Leasing & Sales ("we," "our," or "us") collects, uses, shares, and protects personal information through this website, including our credit application, lead, and trade-in forms.

2. Information We Collect

Contact details such as your name, phone number, email address, and home address.

Credit application details such as your date of birth, Social Security number, driver's license number, income, employment, and housing information, plus any co-applicant details you provide.

Documents you upload, such as a driver's license or insurance card.

Vehicle preferences, budget, and trade-in details.

Basic technical information needed to run and secure this website, such as your browser type and IP address.

3. How We Use Your Information

We use your information to process your application, find and quote vehicles for you, contact you about your request, prevent fraud, keep this website secure, and meet our legal obligations.

We do not make automated credit decisions. Lenders make credit decisions.

4. How We Share Your Information

With the lenders and dealers we work with, so they can evaluate your application and complete your transaction.

With consumer credit reporting agencies or credit prequalification services, only with your authorization.

With service providers that host this website, store and process applications, and send emails for us. They may use your information only to provide those services to us.

With government authorities when required by law, and with a buyer or successor if our business is sold or reorganized.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

5. How We Protect Your Information

Your information is sent over encrypted connections and stored encrypted. Social Security numbers and driver's license numbers receive an additional layer of encryption and are masked when displayed. Access is limited to staff who need it, and uploaded documents are kept in private storage.

6. Cookies and Tracking

This website does not use advertising or cross-site tracking tags. It uses only the cookies and similar storage needed to run the site, keep it secure, and remember your choices. We honor Global Privacy Control (GPC) signals as a request to opt out of sale and sharing.

7. How Long We Keep Information

We keep your information as long as needed to handle your request and to meet legal, regulatory, and lender record-keeping requirements. When it is no longer needed, we delete it.

8. Your Privacy Rights

Depending on where you live, you may have the right to know what personal information we have about you, get a copy of it, correct it, delete it, and opt out of its sale, sharing, or use for targeted advertising or profiling. We will not discriminate against you for using these rights.

Information collected to process a credit application is often covered by the federal Gramm-Leach-Bliley Act, and some state privacy laws do not apply to it. We will still review every request and explain our answer.

To make a request, contact us using the details below. We may need to verify your identity. We respond within 45 days, or tell you if we need more time. If we deny your request, you may appeal by replying with "Privacy Appeal" in the subject line, and we will respond within the time your state requires.

9. Children

This website is not intended for children under 16, and we do not knowingly collect their personal information.

10. Changes to This Policy

We may update this policy from time to time. The effective date below shows when it last changed.