🔒 Executive Privacy Summary: Our Zero-PII Calculation Pledge
- Effective Date: January 1, 2026 (Last Audited & Updated: October 2026)
- 100% Client-Side Loan Calculations: When you enter a vehicle price, APR, down payment, trade-in value, or household income into any auto loan calculator on AutoFinancePilot, those numbers are processed locally inside your browser’s JavaScript engine and are never transmitted to or stored in a personal database.
- Zero SSNs & Zero Credit Bureau Pulls: We never ask for your Social Security Number, driver’s license number, date of birth, or bank account credentials, and we never perform soft or hard inquiries on Experian, Equifax, or TransUnion.
- Zero Sale of Personal Information: AutoFinancePilot does not sell, rent, or broker consumer contact data to auto dealerships, subprime lead networks, or telemarketers.
At AutoFinancePilot Research Group LLC (“AutoFinancePilot,” “we,” “us,” or “our”), we believe that researching how to finance a vehicle should never compromise your personal financial privacy. This Privacy Policy explains what limited information we collect when you visit our website, how our client-side calculators work, and your statutory rights under United States federal and state privacy laws (including the California Consumer Privacy Act / California Privacy Rights Act [CCPA/CPRA], the Virginia Consumer Data Protection Act [VCDPA], and Gramm-Leach-Bliley Act [GLBA] privacy principles).
1. Information We Do NOT Collect (Zero Financial PII Architecture)
Unlike online loan brokers, AutoFinancePilot is an independent calculation and educational platform. When you use our car loan calculator, car payment calculator, car affordability calculator, or auto loan refinance calculator:
- We do not collect, transmit, or log the dollar amounts, interest rates, credit score tiers, or gross monthly income figures you type into our calculator sliders or input boxes.
- We do not request your Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), or Vehicle Identification Number (VIN).
- We do not create hidden consumer credit profiles or share calculator inputs with auto lenders or dealership F&I networks.
- When you export an amortization schedule to CSV or print a loan summary, the file is generated 100% locally in your browser’s memory (`Blob` API) without touching an external server.
2. Information We Collect & How It Is Used
| Category of Data | What Is Collected | Purpose of Collection | Retention & Sharing |
|---|---|---|---|
| Voluntary Contact Correspondence | Name, email address, inquiry topic, and message body submitted via our Contact Us page or direct email. | To respond to your actuarial question, editorial feedback, bug report, or media inquiry. | Retained only as long as necessary to resolve your inquiry; never sold or shared with marketers. |
| Anonymized Technical & Server Logs | Truncated/anonymized IP address, browser user-agent, device screen resolution, referring URL, and HTTP status codes. | To maintain server security, prevent automated DDoS abuse, and ensure calculator compatibility across mobile and desktop browsers. | Server logs are automatically rotated and purged after 30 days. |
| First-Party Functional Preferences | Browser `localStorage` or session state only if you explicitly save or print a scenario. | To preserve your calculator view during an active session. | Stored exclusively on your own device; cleared anytime via your browser settings. |
3. Cookies & Privacy-First Analytics
AutoFinancePilot uses strictly necessary security cookies and privacy-preserving aggregate analytics to understand which calculators and educational guides are most helpful to US readers. We honor browser Global Privacy Control (GPC) and Do Not Track (DNT) signals automatically. You may disable cookies at any time in your browser settings; all 10 auto loan calculators will continue to function with 100% accuracy even with all cookies disabled.
4. Your US State Privacy Rights (CCPA / CPRA, VCDPA, CPA, CTDPA)
Residents of California, Virginia, Colorado, Connecticut, Texas, Oregon, and other US states with comprehensive consumer privacy statutes have the right to:
- Right to Know & Access: Request confirmation of whether we hold any personal information about you and receive a portable copy.
- Right to Delete: Request immediate deletion of any correspondence or personal information you have submitted to us via email or contact form.
- Right to Correct: Request correction of any inaccurate personal information.
- Right to Opt-Out of Sale or Sharing: Because AutoFinancePilot never sells or shares personal information for cross-context behavioral advertising, you are opted out by default.
- Right to Non-Discrimination: We will never deny access to any calculator or educational resource for exercising your privacy rights.
5. Information Security & Children’s Privacy (COPPA)
We enforce TLS 1.3 encryption in transit, strict Content Security Policy (CSP) headers, and regular vulnerability audits across our infrastructure. Our platform is designed for adult US vehicle buyers (age 18+) and does not knowingly collect information from children under 13 under the Children’s Online Privacy Protection Act (COPPA).
6. Contact Our Data Privacy & Compliance Officer
If you have any questions about this Privacy Policy or wish to exercise a statutory privacy request, please contact our Data Protection & Compliance Desk:
📧 Data Privacy & Compliance Officer Contact
AutoFinancePilot Research Group LLC — Attn: Privacy & Compliance Officer
350 Madison Avenue, Suite 1400, New York, NY 10017
Email: privacy@autofinancepilot.com • Phone: +1 (800) 555-0194 • Online Contact Form →