Privacy Policy

Last updated: September 9, 2025

This Privacy Policy explains how Valley Car Credit ("VCC," "we," "us," or "our") collects, uses, discloses, and safeguards information when you use our website at valleycarcredit.com (the "Site") and related services. By using the Site, you agree to the practices described in this Policy. If you do not agree, please do not use the Site.

1. Information We Collect

We may collect the following categories of information:

  • Contact Information: Name, email address, phone number, mailing address, and any other information you provide via our contact or quote forms.
  • Account and Payment Information: Information related to your account or loan with us, and payment details you submit through our payment portal (processed by third-party vendors).
  • Vehicle and Application Details: Information submitted for financing or CPI quote requests (e.g., vehicle year, make, model, loan balance, insurance status, and other details relevant to your inquiry).
  • Usage Data: Information about your interaction with the Site, such as pages visited, links clicked, referring/exit pages, and timestamps.
  • Cookies and Similar Technologies: We may use cookies and similar technologies to enhance functionality and understand usage. You can control cookies through your browser settings.

2. How We Use Information

We use information to:

  • Respond to your inquiries, requests, or applications;
  • Provide, maintain, and improve the Site and our services;
  • Process payments and manage your account or loan;
  • Communicate with you about your account, services, or policy changes;
  • Detect, prevent, and address technical or security issues;
  • Comply with legal obligations and enforce our agreements.

3. Legal Bases (Where Applicable)

Depending on your location, our processing may rely on legitimate interests, consent, the performance of a contract, or compliance with legal obligations.

4. How We Share Information

We may share information with:

  • Service Providers: Vendors who assist with hosting, form handling (e.g., FormSubmit), communications, payment processing, analytics, and other business operations.
  • Affiliates and Partners: As needed to provide services you request or as part of financing or insurance-related workflows.
  • Legal and Compliance: To comply with applicable laws, regulations, subpoenas, or other legal processes, or to protect rights and safety.
  • Business Transfers: In connection with a merger, acquisition, restructuring, or asset sale.

5. Payment Processing

Payments may be processed by third-party providers. We do not store your full payment card details on our servers. Your use of such services is subject to the providers’ terms and privacy policies.

6. Data Retention

We retain information for as long as necessary to fulfill the purposes outlined in this Policy, including to comply with legal, accounting, or reporting requirements.

7. Security

We implement reasonable administrative, technical, and physical measures to help protect information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Choices

  • Access and Updates: You may request access to or correction of certain information by contacting us.
  • Communications: You can opt out of certain promotional emails by following the unsubscribe instructions in those emails.
  • Cookies: You can manage cookies through your browser settings. Disabling cookies may impact Site functionality.

9. Do Not Track

Our Site does not respond to Do Not Track signals. You can manage cookies and other tracking technologies via your browser.

10. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, please contact us so we can take appropriate action.

11. State-Specific Rights

Depending on your state of residence (for example, under the Virginia Consumer Data Protection Act), you may have certain rights regarding your personal information, such as the right to access, delete, or correct certain data, and to opt out of certain processing. To exercise these rights, please contact us using the details below. We will verify your request consistent with applicable law.

12. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date indicates the latest revision. Your continued use of the Site after changes become effective constitutes acceptance of the updated Policy.

14. Contact Us

Valley Car Credit
537 Richmond Avenue
Staunton, VA 24401
Phone: 540-213-0202
Email: [email protected]

Note: This boilerplate is provided for convenience and does not constitute legal advice. Consider consulting legal counsel to tailor this Policy to your specific operations and compliance needs (e.g., GLBA and state law).