Federal Law Notice

Privacy Notice

Effective Date: April 14, 2026 — Smart Drive Elite LLC

Federal law requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Questions	What We Do
Why do we share personal information?	We process credit applications and financial information on behalf of authorized dealers to provide automated decisioning services. Federal law allows financial companies to share personal information. We share only as necessary to provide these services.
Can you limit sharing?	Yes. You may contact us at legal@smartdriveelite.com to request that we limit sharing of your personal information. Note that your dealer may have separate data practices.
What happens when you stop being our customer?	Even when you are no longer an active applicant, we continue to share your information as described in this notice and as required by law.

What We Do

How We Protect Your Personal Information

We use AES-256-GCM encryption to protect all sensitive personal information stored on our platform. We use HMAC-SHA256 signed sessions, role-based access controls, and rate limiting. We restrict access to your personal information to authorized personnel only.

How We Collect Your Personal Information

We collect personal information through our authorized dealer network when dealers submit credit applications on your behalf. We may also collect information from consumer reporting agencies and identity verification services.

Why We Share Personal Information

Federal law allows financial companies to share personal information for everyday business purposes — such as processing your credit application, providing decisioning services, and complying with applicable law.

What We Share

For everyday business purposesYesNo

For our marketing purposesNoWe do not share

For joint marketing with other companiesNoWe do not share

For affiliates' everyday business purposesNoWe do not share

For non-affiliates to market to youNoWe do not share

Definitions

Financial companies

Companies that offer financial products or services including credit applications, decisioning, and related technology services.

Personal information

Information we collect about you including name, address, Social Security Number, date of birth, driver license number, income, and financial profile data.

Non-affiliates

Companies not related by common ownership or control. We do not share your information with non-affiliates for marketing purposes.

Smart Drive Elite LLC
Smithville, MO 64089
legal@smartdriveelite.com
USPTO Trademark #99764274 | License #2763

This notice is provided in accordance with the Gramm-Leach-Bliley Act (GLBA) and the FTC Privacy of Consumer Financial Information Rule (16 C.F.R. Part 313).