Legal

Security Statement

At rateGenius, refinancing your vehicle may be our primary goal, but the security of your personal information is our highest priority. Accordingly, we have taken several important steps using the most advanced technology available to ensure the information you provide is securely transmitted and stored.

Webpage Security

RateGenius uses only the most advanced and current hardware and software to protect your personal information when refinancing your car, truck or SUV. The areas on our website that ask for your personal information are delivered to your browser through HTTPS, a highly secure server communications layer.

Encryption

Any information transmitted to rateGenius is encrypted through Secure Sockets Layer (SSL) technology, provided by industry leader Verisign, in order to make sure that your personal information cannot be viewed by anyone else on the Internet. Only rateGenius can decode the information once it is received.

Personal Passwords

In order for you to access your personal information and/or application, you are required to enter both a unique username and a personal password. This prevents unauthorized access to any information regarding your loan application for auto refinance. Passwords are encrypted for extra security and not even rateGenius employees have access to the password(s) you have entered. In addition, accounts are locked out after a few unsuccessful login attempts, preventing anyone from trying to figure out your password.

If you have any questions about how rateGenius works to keep your personal information secure, please contact us by email at service@rategenius.com or by phone at 866-728-3436.

 

Licensing Disclosures

RateGenius is headquartered in Austin, Texas, and maintains a Regulated Lender license with the Texas Office of Consumer Credit Commissioner, and is a proud member of the Better Business Bureau. All lenders in the rateGenius network are well-established FDIC-insured banks, thrifts or licensed lenders.

RateGenius is appropriately licensed in all states where such a license is required.

Electronic Document Policy

DISCLOSURE REQUIRED BY FEDERAL LAW. READ AND SCROLL DOWN. ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT.

Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

Electronic Copy of Related Disclosures, Agreements, and Instructions

In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in person:

  • a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and
  • information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receiving the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures and agreements. You will not be consenting to receiving other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements and Instructions

If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, rateGenius will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at rateGenius, Customer Service, 9300 United Drive, Suite 180, Austin, TX 78758; (ii) use a method that may be available to you at the rateGenius website www.rategenius.com; or (iii) contact Customer Service at 866-728-3436.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at rateGenius, Customer Service, 9300 United Drive, Suite 180, Austin, TX 78758; (ii) use a method that may be available to you at the rateGenius website www.rategenius.com; or (iii) contact Customer Service at 866-728-3436.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

  • You must have a personal computer or other access device that is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider).
  • You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.
  • You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.
    System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access device that is able to print the related legal disclosures, agreements, the instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

 

Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

As a result of the 9/11 terrorist attacks, Congress enacted the USA PATRIOT Act. This Act, which is designed, in part, to fight the funding of terrorism and money laundering activities, includes a provision requiring all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What the Identification Requirements Mean for You

When you open an account, we will ask for your name, address, date of birth, and other information that will allow the financial institution to identify you. They may also ask to see your driver’s license or that you provide other identifying documents. They will verify the identity information that you provide. The means of verification are varied and may include the use of credit reports and similar information sources.

Please remember that these identification requirements:

  • Are mandated by law,
  • Are intended to help combat terrorism and other attempts to use our country’s financial systems for improper purposes, and
  • Help protect you from identity theft.

 

Equal Credit Opportunity Act

The Equal Credit Opportunity Act (ECOA) statute provides that its purpose is to require financial institutions and other firms engaged in the extension of credit to “make credit equally available to all creditworthy customers without regard to sex or marital status.” Moreover, the statute makes it unlawful for “any creditor to discriminate against any applicant with respect to any aspect of a credit transaction (1) on the basis of race, color, religion, national origin, sex or marital status, or age (provided the applicant has the capacity to contract); (2) because all or part of the applicant’s income derives from any public assistance program; or (3) because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act.”

The ECOA has two principal theories of liability: disparate treatment and disparate impact. Disparate treatment occurs when a creditor treats an applicant differently based on a prohibited basis, such as race or national origin. Disparate impact occurs when a creditor employs facially neutral policies or practices that have an adverse effect or impact on a member of a protected class unless it meets a legitimate business need that cannot reasonably be achieved by means that are less disparate in their impact.

In keeping with the broad reach of the statute’s prohibition, the regulation covers creditor activities before, during, and after the extension of credit.