How URCar Auto handles your information.

URCar Auto operates this website for customers exploring used vehicles, trade-ins, custom vehicle sourcing, and financing conversations. For privacy questions, call 651-888-8318 or use the contact area.

When you use a contact form or the AI-assisted chat, we may collect your name, phone number, email address, vehicle type or model, vehicle budget, estimated down payment, credit situation, consent to contact, and the page where you submitted the request. Chat messages and the details you choose to share are processed to answer your questions and guide the conversation. If you choose to submit the secure loan application, we also collect your date of birth, Social Security number, driver-license information, address, employment, income, bank-account selection, and desired terms in a separate encrypted application record. We may also receive basic technical information needed to operate and protect the website, such as browser, device, and server-request information.

• Respond to your vehicle, trade-in, financing, or custom-search request.
• Review available inventory and possible next steps with you.
• Send requested follow-up by phone, text, or email when you provide consent.
• Maintain lead records, improve the website, prevent misuse, and meet legal obligations.

Submitting a form starts a conversation and does not commit you to a purchase or financing application. Consent to contact is not required to purchase. Message and data rates may apply. You can ask us to stop marketing or follow-up messages at any time; operational messages related to a request may still be sent when necessary.

We may share information with service providers that help host, secure, operate, provide AI-assisted chat, or communicate through the website, and when required by law. These providers process information on our behalf to provide their contracted function. We do not submit a lender application merely because you submit a form or use chat. If you later ask us to pursue financing, relevant information may be shared with participating lenders as part of that process and with your direction.

We use reasonable administrative, technical, and physical safeguards appropriate to the information we handle, and we limit staff access to business needs. Secure loan applications are encrypted at rest, are not sent through email or chat, and can be viewed only by an authorized administrator after a recorded access action. The website does not retain a separate full chat-transcript history. No website, database, AI service, or transmission method can be guaranteed completely secure.

We retain information, including secure loan applications and access records, for as long as reasonably needed to respond, maintain business records, resolve disputes, prevent abuse, and meet legal requirements. You may contact us to request access, correction, or deletion of information, subject to applicable law and records we are required to retain.

The website may use essential or functional technologies needed for routing, authentication, security, and remembering basic session state. AI and other third-party service providers may process information only to provide their contracted function. Do not share Social Security numbers, bank or payment-account details, passwords, account credentials, or full dates of birth through the chat. If we add advertising pixels, analytics, or other tracking that requires additional notice or consent, this policy will be updated before that use.

This website is not directed to children under 18. We may update this policy as the website or law changes. The updated version will be posted on this page with a new effective date.