Effective as of January 1, 2020

Last updated February 27, 2025

INTRODUCTION

The Savings Group, Inc. and its subsidiaries, including those operating under the brands AUTOPAY, RateGenius, and Tresl (“we,” “our,” or “us”) respect the privacy of your information. This Privacy Policy is designed to assist you in understanding how we collect, use, share and safeguard your information. This Privacy Policy applies to individuals who access our websites (collectively, “Sites”) and the services provided through our Sites (collectively, “Services”). From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.

This Privacy Policy covers the following topics:

1. PERSONAL DATA WE COLLECT
2. HOW WE USE YOUR PERSONAL DATA
3. HOW WE SHARE YOUR PERSONAL DATA
4. UNIVERSAL OPT-OUT MECHANISMS
5. SECURITY
6. THIRD-PARTY LINKS
7. CHILDREN’S PRIVACY
8. YOUR STATE PRIVACY RIGHTS AND ADDITIONAL DISCLOSURES
9. COOKIE POLICY
10. NOTICE TO CALIFORNIA RESIDENTS
11. ACCESSIBILITY
12. HOW TO CONTACT US

1. PERSONAL DATA WE COLLECT

We collect personal data from you through your use of the Sites and Services. Personal data is information that is linked or reasonably linkable to an identified or identifiable individual. We collect the following types of personal data:

Personal Data You Provide

Depending on how you interact with our Sites and Services, we will collect the following personal data that you voluntarily provide to us for the following purposes:

• Apply Now. When you apply to refinance your auto loan, you will provide us with Personally Identifiable Information such as your first and last name, telephone number, email address, and physical address. You also will provide us with information relating to your vehicle (such as its year, make, model, trim, and estimated number of miles), information relating to your current loan (such as the name of your current auto lender and current monthly auto payment), information relating to your current residence (such as the type of residence and your monthly payment), information regarding your employment and income, and your date of birth. You also may voluntarily agree to provide us with your Social Security number. If you respond to an offer in the mail to refinance your auto loan, you will provide your pre-qualification code and zip code.
• Loan Finder. If you choose to try our loan finder service, you will provide us with your credit score, zip code, and information relating to your current loan (such as current monthly auto payment, remaining loan balance, and your remaining loan term).
• Prequalification. When you explore your options with our “Get Prequalified” you will provide us with Personally Identifiable Information such as your first and last name and physical address. You also will provide us with other information such as your date of birth, yearly income, monthly vehicle payments, and vehicle year.
• Check Status. When you check the status of your loan application, you will provide us with your name, email address, date of birth, and last four digits of your Social Security number.
• Create an Account. If you create an account through one of our Sites, you (and your co-applicant, if applicable) will provide us with your name, email address, phone number, physical address, date of birth, and gross annual income. You will also provide us with information relating to your vehicle (such as its year, make, model, trim, estimated number of miles, and estimated payoff amount).
• Sign In. When you sign into your account, you will provide us with your login credentials.
• Careers. If you apply for a job through one of our Sites, you will provide your last name, email address, phone number, employment history, education history, and any other information you choose to include. Our careers page is provided by JazzHR. JazzHR may collect, record, and store the information you provide in your application. Please review JazzHR’s privacy policy here
• Refinancing Chat. If you engage with the RateGenius or AUTOPAY chat feature, you will provide your name, email address, phone number, and zip code, and any information you choose to provide in your message. Our RateGenius chat feature is provided by LiveChat and our AUTOPAY chat feature is provided by Podium. LiveChat and Podium may collect, record, and store the information you provide in the chat. Please review LiveChat’s privacy policy here and Podium’s privacy policy here.
• Contact Us. If you contact us through the Sites, we may collect your name, email address, and telephone number along with any other Personally Identifiable Information you voluntarily provide.
• Interact with our Sites or Services. When you send us any feedback, questions, comments, suggestions, ideas, or interact with us in any way, you may need to provide us with your log-in information, name and/or email address.
• SMS Text/Phone Communications. We do not share SMS consent or phone numbers for the purpose of SMS.

Information as You Navigate Our Sites

We automatically collect certain personal data through your use of the Sites and our use of cookies and other tracking technologies, such as the following:

• Usage Information. For example, the pages on the Sites you access, the frequency of access, and what you click on while on the Sites.
• Device Information. For example, hardware model, operating system, application version number, and browser.
• Mobile Device Information. Aggregated information about whether the Sites are accessed via a mobile device or tablet, the device type, and the carrier.
• Location Information. Location information from Site visitors on a city-regional basis.

To learn more about how we use cookies and to manage your cookie settings, please see our Cookie Policy in Section 9 below.

Personal Data We Collect About You from Other Sources

In some cases, we may receive personal data about you from other sources. This includes from Experian, TransUnion, and Equifax, and identity verification providers, advertising networks, internet service providers, operating systems and platforms, social networks, and lead providers.

2. HOW WE USE YOUR PERSONAL DATA

In addition to the purposes stated above, we may use all the personal data we collect in accordance with applicable law such as to: Find you loan options from our lender base;

• Maintain and improve our Sites and Services;
• Protect the security and integrity of our Sites and Services;
• Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use, and to otherwise fulfill our legal obligations;
• Monitor compliance with and enforce this Privacy Policy and any other applicable agreements and policies;
• Defend our legal rights and the rights of others;
• Fulfill any other purposes for which you provide it;
• For any purpose that is reasonably necessary to or compatible with the original purpose for which we collected the personal data as disclosed to you; and
• Comply with applicable law.

3. HOW WE SHARE YOUR PERSONAL DATA

We may share the personal data that we collect about you in the following ways:

• Us and our Affiliates. With subsidiaries and affiliates, who adhere to this Privacy Policy.
• Lenders. Once you have submitted an application, we will begin the process of finding you a loan, if qualified, from our lender base of over 200 financial institutions. Your personal data is not sent to each lender in our network for review. Instead, your credit profile and needs are matched to the borrower profile established by our lenders and sent to those lenders first. By submitting an application, you consent to the use of your credit report for the purpose of obtaining a credit offer from one of our participating lenders.
• To Comply with the Law. To comply with the law, including disclosure to law enforcement agencies and other government agencies and disclosure responsive to subpoenas. We also may disclose information we collect if we deem it necessary to protect the rights, property, or safety of us, our customers or others; in connection with any legal proceedings or prospective legal proceedings; and to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal data where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal data.
• Vendors. To vendors who perform services on our behalf (e.g., loan service providers, maintenance, analysis, backup, etc.).
• Advertising. To vendors to prepare, deploy, and analyze advertising content.
• Business Transactions. With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events.
• Consent. With any other person or entity where you consent to the disclosure.
• Other Purposes. For any other purpose disclosed by us when you provide the information or for any other purpose we deem necessary, including to protect the health or safety of others.

4. UNIVERSAL OPT-OUT MECHANISMS

The Sites recognize the Global Privacy Control (“GPC”) signal. If you are using a browser setting or plug-in that sends an opt-out preference signal to each website you visit, we will treat that as a valid request to opt out. To download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs. . If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Sites do not currently interpret, respond to or alter their practices when they receive “Do Not Track” signals.

5. SECURITY

We maintain commercially reasonable security measures to protect the personal data we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your personal data, we cannot guarantee absolute security.

6. THIRD-PARTY LINKS

The Sites may contain links that will let you leave the Sites and access another website. Linked websites are not under our control. We accept no responsibility or liability for these other websites.

7. CHILDREN’S PRIVACY

The Sites are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

8. YOUR STATE PRIVACY RIGHTS AND ADDITIONAL DISCLOSURES

Depending on the state in which you reside, you may have certain privacy rights regarding your personal data. If you are a California resident, please see our “NOTICE TO CALIFORNIA RESIDENTS” section below. For other state residents, your privacy rights may include (if applicable):

• The right to confirm whether or not we are processing your personal data and to access such personal data;
• The right to obtain a copy of your personal data that we collected from and/or about you in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance, where the processing is carried out by automated means;
• The right to delete personal data that we collected from and/or about you, subject to certain exceptions;
• The right to correct inaccurate personal data that we maintain about you, subject to certain exceptions;;
• The right, if applicable, to opt out of the processing of your personal data for purposes of (1) targeted advertising; (2) the “sale” of your personal data (as that term is defined by applicable law); and (3) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you;
• If we are required by applicable law to obtain your consent to process sensitive personal data, the right to withdraw your consent; and
• The right not to receive discriminatory treatment by us for the exercise of your privacy rights.

We use cookies and other tracking technologies to display advertisements about our products to you on nonaffiliated websites, applications, and online services. This is “targeted advertising” under applicable privacy laws. When we engage in those activities, we sell personal data (i.e., information from cookies) to third-party advertisers and analytics companies. We do not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning individuals.

To exercise your rights, please submit a request through our interactive webform available here, by emailing us at privacy@thesavingsgroup.com, or by calling us at (844) 276-3272. If legally required, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the individual on whose behalf you are making such request. To do so, we will ask you to verify data points based on information we have in our records. If you are submitting a request on behalf of another individual, please use the same contact methods described above. If we refuse to take action regarding your request, you may appeal our decision by emailing us at privacy@thesavingsgroup.com or by calling us at (844) 276-3272. If you would like to opt out of targeted advertising, you may alter your cookie preferences see our Cookie policy below.

9. COOKIE POLICY

This Cookie Policy covers the following topics:

1. COOKIES AND ONLINE TRACKING TECHNOLOGIES WE USE
2. HOW YOU CAN MANAGE COOKIES
3. HOW TO CONTACT US

1. COOKIES AND ONLINE TRACKING TECHNOLOGIES WE USE

“Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets). We may use the following types of Cookies:

Strictly Necessary Cookies

These Cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these Cookies, but some parts of the Sites will not then work. These Cookies do not store any personally identifiable information.

Performance Cookies

These Cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Sites. They help us to know which pages are the most and least popular and see how visitors move around the Sites. If you do not allow these Cookies we will not know when you have visited our Sites and will not be able to monitor its performance.

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s link privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and do not like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device’s IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and preferred language used to display our Site. Hotjar stores this information in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see Hotjar’s privacy policy. You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our Site and Hotjar’s use of tracking cookies on other websites by following the directions found here.

We use Microsoft Clarity to understand how users interact with our Site. Microsoft may collect personal information from individuals visiting our Site. Microsoft’s privacy policy is available here.

We may use Cookies and similar technologies third-party vendors provide to collect information on user behavior (e.g., screens and pages visited, buttons and links clicked, limited information entered, and user taps and mouse movements). This information enables us to monitor and improve the user experience.

Functional Cookies

These Cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these Cookies, then some or all of the Services may not function properly.

Targeting Cookies

These Cookies may be set through our Site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other websites. If you do not allow these Cookies, you will experience less targeted advertising.

Social Media Cookies

These Cookies are set by a range of social media services that we have added to the Sites to enable you to share our content with your friends and networks. They are capable of tracking your browser across other websites and building a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these Cookies, you may not be able to use or see these sharing tools.

Sample Cookies

Please note that our use of Cookies may change from time to time. However, here are a few examples of our cookies.