Your Income Is
Your Credit.

1. Who We Are

No Credit Car Plug ("Company," "we," "us," or "our") is a sales consulting company operating in Texas. We connect credit-challenged consumers with BHPH dealership financing partners. This Privacy Policy explains how we collect, use, store, and share your personal information.

2. Information We Collect

We collect the following categories of personal information when you submit an application:

• Identity information: first name, last name, date of birth, Social Security Number
• Contact information: phone number, email address, physical address
• Employment information: employer name, job title, employment duration, employer phone
• Financial information: gross income, take-home pay, other income sources, down payment amount
• Identification documents: driver's license or state ID number, issuing state, expiration date
• Uploaded documents: photos of ID, income documentation, bank statements
• Reference information: names and phone numbers of personal references you provide

3. How We Use Your Information

We use your personal information for the following purposes:

• To evaluate your pre-qualification for vehicle financing
• To submit your financing application to BHPH dealership partners on your behalf, as authorized by your consent
• To schedule appointments and coordinate with dealership partners
• To contact you regarding your application status
• To send automated follow-up communications, where you have consented
• To fulfill our customer reward program
• To detect and prevent fraud
• To comply with applicable laws and regulations

4. Social Security Number

Your Social Security Number is collected solely for identity verification purposes and for completing financing application submissions to authorized dealership partners on your behalf. Your SSN is encrypted using AES-256 encryption before storage. Only the last four digits are displayed in our administrative systems. Your full SSN is only accessed programmatically during the application submission process and is never shared for any purpose other than completing your authorized financing application.

5. Gramm-Leach-Bliley Act (GLBA) Notice

As a company that facilitates financial services, we collect nonpublic personal information (NPI) about you. We do not sell your NPI to third parties. We share your NPI only with dealership partners for the specific purpose of evaluating your vehicle financing application, as you have authorized. We maintain reasonable administrative, technical, and physical safeguards to protect your NPI as required by the FTC Safeguards Rule.

6. Information Sharing

We share your personal information only in the following circumstances:

• With BHPH dealership partners, as specifically authorized by your signed consent, for the purpose of vehicle financing evaluation
• With service providers who assist us in operating our business, subject to confidentiality obligations
• As required by law, court order, or government authority
• To protect the rights, property, or safety of our company or others

We do not sell your personal information to data brokers, advertisers, or any third parties for their own marketing purposes.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Sensitive information including SSN and financial data is encrypted at rest. Access to personal information is restricted to authorized personnel on a need-to-know basis.

8. Your Rights Under Texas Law (TDPSA)

As a Texas resident, you have the following rights regarding your personal data:

• The right to know whether we are processing your personal data
• The right to access your personal data
• The right to correct inaccuracies in your personal data
• The right to request deletion of your personal data
• The right to obtain a portable copy of your personal data
• The right to opt out of the sale of your personal data (we do not sell personal data)

To exercise any of these rights, contact us at [email protected]. We will respond within 45 days.

9. SMS Communications

If you have consented to SMS communications, we may send you text messages regarding your application status, appointment confirmations, and follow-up communications. You may opt out at any time by replying STOP to any message. Message and data rates may apply.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Applications that do not result in a placement are typically retained for up to 90 days for follow-up purposes, after which non-essential personal data is deleted or anonymized.

11. Contact Us

For privacy inquiries, data requests, or to exercise your rights:
No Credit Car Plug
Email: [email protected]
Texas, United States

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the date at the top of this policy. Your continued use of our services after changes constitutes acceptance of the updated policy.