Privacy Policy

Effective Date: September 5, 2023

Welcome to National Express Payoff, LLC (“NEP,” “we,” “us,” or “our”). NEP is the sole owner of Dealer Payoff System (DPS). As the sole owner, NEP assumes full responsibility for the management and security of all personal information collected through DPS and we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of your information when you use our website or services.

By accessing or using the NEP website (the “Site”) or our services, you consent to the practices described in this Privacy Policy. Please take a moment to read this Privacy Policy carefully to understand how we handle your personal information.

1. Functional Roles and Responsibilities

National Express Payoff has appointed a Chief Compliance/Privacy Officer to oversee and ensure compliance with data protection laws and this Privacy Policy. Our Chief Compliance/Privacy Officer can be contacted at Compliance@NXPayoff.com.

2. Information We Collect

We may collect and process the following types of information when you use our services:

a. Personal Information:

    • Name
    • Mailing Address
    • Vehicle Information
    • Loan Information

b. Usage Information:

    • Information about your use of our website, including pages visited, time spent on the site, and features accessed
    • Log information (e.g., IP address, browser type, access times)
    • Device information (e.g., device type, operating system)

3. How We Use Your Information

We use your personal information for the following purposes:

a. To Provide Services:

    • Process and complete transactions
    • Verify your identity
    • Communicate with you regarding your account and transactions
    • Respond to your inquiries and requests

b. Legal and Compliance:

    • Comply with legal and regulatory requirements
    • Detect and prevent fraud, security breaches, and abuse
    • Enforce our terms of service

c. Improve Our Services:

    • Analyze usage patterns and improve our website and services
    • Customize your user experience
    • Conduct research and analysis

4. Sharing Your Information

We may share your personal information with third parties under the following circumstances:

a. Service Providers: We may share your information with third-party service providers who help us operate our business and provide services to you (e.g., payment processors, customer support services).

b. Legal Compliance: We may disclose your information to comply with legal obligations, respond to government requests, and protect our rights and interests.

c. Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5. Your Choices

You have certain choices regarding your personal information:

a. Access and Update: You may access and update your personal information by contacting us directly.

b. Opt-Out: You may opt-out of receiving promotional emails from us by by contacting us.

c. Cookies: You can manage cookies through your browser settings. However, disabling cookies may affect your user experience on our website.

6. Security

We take reasonable measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no data transmission over the internet is entirely secure, so please take precautions when sharing information online.

7. Children’s Privacy

Our services are not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe that we have collected personal information from a child under 13, please contact us.

8. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated Privacy Policy on our website with the effective date.

9. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles.

Contact Information

National Express Payoff, LLC  3400 E. Lafayette, Detroit, MI 48207

Thank you for choosing National Express Payoff, LLC. We appreciate your trust in us, and we are committed to safeguarding your privacy and personal information.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit the CCPA Privacy Notice.