Privacy Policy

Our Commitment to Your Privacy

At Centurion Finance, Inc., we understand that your privacy is important to you. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our services, visit our website, or interact with us in any way.

1. Information We Collect

We collect information to provide better services to our users and to comply with legal requirements. The types of information we collect include:

Personal Information You Provide

When you apply for a loan or use our services, you may provide us with:

• Identity Information: Full name, date of birth, Social Security Number, driver's license or state ID number
• Contact Information: Physical address, email address, phone numbers
• Financial Information: Bank account details, employment information, income details, credit history
• Transaction Information: Loan application details, payment history, account balances

Information We Collect Automatically

When you visit our website or use our services, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent on pages, clicks, search queries
• Location Information: General location based on IP address
• Cookie Information: Preferences, session information, authentication data

Information from Third Parties

We may receive information about you from:

• Credit reporting agencies
• Identity verification services
• Banking and financial institutions
• Marketing partners (with your consent)
• Public databases

2. How We Use Your Information

We use the information we collect for various purposes, all aimed at providing you with the best possible service while maintaining your privacy and security.

Primary Uses

• Processing Applications: To evaluate your loan application and determine eligibility
• Account Management: To service your account, process payments, and provide customer support
• Legal Compliance: To comply with federal and state laws, including anti-money laundering requirements
• Fraud Prevention: To verify your identity and prevent fraudulent activities
• Communication: To send you important updates about your account, respond to inquiries, and provide customer service

Secondary Uses

• Service Improvement: To analyze usage patterns and improve our products and services
• Marketing: To send you offers and information about our products (you can opt-out at any time)
• Risk Assessment: To evaluate creditworthiness and manage our business risks
• Research: To conduct market research and statistical analysis

3. How We Share Your Information

We do not sell your personal information. We only share your information in the following circumstances:

With Your Consent

We share information when you give us explicit permission to do so, such as when you authorize us to share your application with third-party lenders.

Service Providers

We work with trusted third-party companies that help us provide our services:

• Payment processors for transaction handling
• Cloud storage providers for secure data storage
• Customer service platforms for support
• Analytics providers for website improvement
• Marketing partners for promotional activities

All service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Legal Requirements

We may disclose your information when required by law, such as:

• In response to court orders or subpoenas
• To comply with government agency requests
• To protect our rights and property
• In emergency situations to protect personal safety

Business Transfers

If Centurion Finance is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.

4. How We Protect Your Information

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Security Measures

• Encryption: We use SSL/TLS encryption for data transmission and encrypt sensitive data at rest
• Access Controls: Limited access to personal information on a need-to-know basis
• Regular Audits: Periodic security assessments and vulnerability testing
• Employee Training: Regular privacy and security training for all staff
• Incident Response: Established procedures for responding to security incidents

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest standards of data protection.

5. Your Privacy Rights

You have certain rights regarding your personal information. These rights may vary depending on your location.

Your Rights Include:

• Access: Request a copy of the personal information we have about you
• Correction: Request corrections to inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt-out of marketing communications and certain data sharing
• Portability: Request your data in a portable format
• Restriction: Request that we limit how we use your information

How to Exercise Your Rights

To exercise any of these rights, please contact us:

• Email: support@vadlimitedfin.com
• Phone: (916)251-4500
• Mail: Centurion Finance, Inc., Attn: Privacy Department, 700 Automall Dr, Roseville, CA 95661-3024

We will respond to your request within 30 days, or as required by applicable law.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website.

Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

Managing Cookies

You can control cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website. For more information about cookies and how to manage them, visit www.allaboutcookies.org.

7. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe we have collected information from your child, please contact us immediately at support@vadlimitedfin.com.

8. International Users

Our services are intended for users in the United States. If you are accessing our services from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. By using our services, you consent to this transfer.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, and other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you by email or through our website for significant changes
• Obtain your consent where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

10. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

Centurion Finance, Inc.
700 Automall Dr Roseville, CA 95661-3024

Phone: (916)251-4500
Support Email: support@vadlimitedfin.com

11. Acknowledgment

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.