This website (the "Site") is provided by Evan Paul Auto Capital, LLC ("EPAC", "we", "us", "our"). Evan Paul Auto Capital, LLC is licensed as a California finance lender by the California Department of Business Oversight, License No. 60DBO-48789, and as a collateral lender by the California Department of Justice, license no. 00000-0520.
This site contains information, text, images, logos, and/or other material that is protected by copyrights, trademarks, or other proprietary rights. Our name, logo and all related marks are service marks of EPAC. They may not be used or displayed without our prior written consent.
Any links to other internet sites are provided for your convenience only, and we do not necessarily endorse, nor are we responsible for, the content of any third party site.
These terms will be governed by and construed in accordance with the laws of the State of California. Any action arising out of or relating to these terms shall be filed only in the courts located in Orange County, California, and users consent and submit to the personal jurisdiction of such courts in any such action.
This policy sets out your obligations and ours with respect to your use of this site, the information we collect through the site, and how we may use it. We may decide to change this policy from time to time in order to address new issues and reflect changes on our site. We will post those changes here so that you will always know what information we gather, how we might use that information, and whether we will disclose that information to anyone. All information is collected, stored and processed by us in the United States, and is subject to the laws of the United States.
You do not have to provide personal information to make general use of the site. Certain portions may require that you provide certain personal information (such as your name, e-mail address and other contact information). We also monitor customer traffic patterns and site usage to help us develop and improve the design and layout. We may also use your contact information to periodically send you news and information about EPAC. You may opt out of receiving future mailings - see the opt out section below. We may use third parties to provide specific services to you, but those third parties will be allowed to use your information only to provide the services that you have requested.
Our site may contain links to sites owned and operated by other parties. We are not responsible for and have no control over the pricing practices or policies of those sites. We encourage you to review the privacy policies of those sites prior to providing them with any personal information.
We may track IP addresses and site usage for system administration purposes. IP addresses are logged per user session and help to determine how often areas on our site are visited and the path taken to those areas. We do not combine IP addresses with any of your personally-identifiable information.
Loans are offered to customers whose assets are stored in California. We lend fixed sums of money on a secured basis at a fixed interest rate over a fixed period of time. Any loan is subject to our approving your application and your executing a formal Loan Agreement with EPAC. The Loan Agreement contains other information that we are obligated to supply to you, including the duration of the loan, the applicable APR, how to repay the loan early, the total amount you have to repay, and any charges that may be payable under the Loan Agreement if you are in default.
IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE OR OUR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.