Terms of Use, Privacy Policies & e-Disclosure

AllCars 941 Ridge Rd Webster, NY 14580 USA 1 (888) 820-9666 [email protected]

Table of Contents

1. Terms of Use
2. Privacy Policy
3. Financial Privacy Policy
4. Applicant Privacy Policy
5. e-Disclosure

Terms of Use

IMPORTANT NOTICE: THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER. IT AFFECTS YOUR LEGAL RIGHTS AS DETAILED IN THE ARBITRATION AND CLASS ACTION WAIVER SECTION BELOW. PLEASE READ CAREFULLY.

1. Acceptance of Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the online services and offerings (collectively, “Services”) by AllCars, Inc., including our affiliates and subsidiaries (collectively, “AllCars,” “we,” “us,” or “our”). These Terms apply to all Services, including any website or mobile application we make available to you.

PLEASE READ THE TERMS THOROUGHLY AND CAREFULLY. BY USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, THEN YOU MAY NOT ACCESS OR USE THE SERVICES.

All references to “you” or “your,” as applicable, mean the person who accesses, uses, and/or participates in the Services in any manner, and each of your heirs, assigns, and successors. If you use the Services on behalf of an entity or another individual, you represent and warrant that you have the authority to bind that entity or individual, your acceptance of the Terms will be deemed an acceptance by that entity or individual, and “you” and ”your” herein shall refer to that entity, its directors, officers, employees, and agents.

2. Modifications to these Terms

We may have to change these Terms periodically. We don’t think you’ll have any issues with our changes, but for most changes, you have to agree to continue using AllCars.

AllCars reserves the right, in its sole discretion, to modify these Terms, and any other documents incorporated by reference herein, at any time and without prior notice. AllCars will notify you of changes to these Terms by posting on the AllCars’ Terms of Use website, sending you a message, and/or otherwise notifying you when you are logged into your account. Except as explicitly provided otherwise herein, modifications will become effective thirty (30) days after the earliest of: (a) modifications being posted on the Services; (b) AllCars’ transmission of a message to you about the modifications; or (c) you are otherwise notified when you are logged into your account. Your use of the Services after the expiration of the thirty (30) days shall constitute your consent to the changes. If you do not agree, you may not access or use the Services.

3. Additional Policies

Privacy Policy Please review AllCars’ Privacy Policy and Financial Privacy Policy, incorporated herein by reference, for information and notices concerning AllCars’ collection and use of your information.

Other Agreements For certain users who make purchases, sales, or leverage financing available on or through the Services, such use may also be governed by a contract with AllCars and/or one of our third-party partners. If there is a conflict between these Terms and such agreement, the latter takes precedence with respect to your use of that service or engagement in that transaction.

4. Eligibility and Scope

Just like rules that limit who can drive, we have rules on who can use AllCars. You have to be 18 years or older.

You may use the Service only if you are 18 years of age or older and can form a binding contract with AllCars, and only in compliance with these Terms and all applicable laws, rules and regulations. By accessing or using the Services, you represent and warrant that you are 18 or older and can form a binding contract with AllCars.

If AllCars has previously prohibited you from accessing or using the Services, you are not permitted to access or use the Services.

5. Account Registration

Some offerings on AllCars require you to create an Account. To keep us and our users safe, you agree to be honest in your creation of that Account.

You may be required to register for a password-protected account (“Account”) to use parts of the Services. You must provide accurate, current, and complete information during the registration and at all other times when you use the Services, and to update information to keep it accurate, current, and complete.

You are solely responsible for safeguarding your Account password. You are solely responsible for all activity that occurs on your Account, and we may assume that any communications we receive under your Account have been made by you. You must notify AllCars immediately of any breach of security or unauthorized use of your Account. AllCars will not be liable and you may be liable for losses, damages, liability, expenses, and lawyers’ fees incurred by AllCars or a third party arising from someone else using your Account due to your conduct regardless of whether you have notified us of such unauthorized use. You understand and agree that we may require you to provide information that may be used to confirm your identity and help ensure the security of your Account.

6. Vehicle Purchases

We’ve made car buying easy and affordable. We also make your life easier with warranty plans, insurance options, and financing. Here are some details.

Available Vehicles The Services may enable you to purchase vehicles from AllCars. The Services contain descriptions of vehicles available for purchase. While we undertake reasonable efforts to ensure the accuracy of descriptions of our available vehicles, there may be errors or omissions relating to availability, pricing, text, or photos. There may also be errors based on information available to us regarding the vehicle (e.g. through our use of third-party services that provide vehicle history reports). Before making any purchase, please inspect the vehicle carefully to confirm it is consistent with the vehicle you are seeking to purchase. We cannot be liable and explicitly disclaim any liability for errors based on information on vehicle history reports or from other third-party services. AllCars reserves the right to refuse or cancel any orders placed for vehicles displayed at incorrect prices, regardless of whether the orders have been confirmed and/or payment has been made.

AllCars Vehicles Available vehicles for purchase on the Services may include AllCars’ vehicles, which are pre-owned vehicles that have passed AllCars’ rigorous 150+ point inspection. All AllCars’ vehicles come with a detailed inspection report so buyers can see the detail in which we’ve reviewed and inspected our vehicles. Available vehicles that have passed our rigorous inspection standards shall be marked as “AllCars’ Certified” on the Services. Unless otherwise specified on the Services, all other vehicles not bearing the “AllCars’ Certified” mark are sold on an “As Is” basis with no warranties.

AllCars Value Vehicles AllCars may also offer AllCars’ Value vehicles, pre-owned vehicles sold on an “As Is” basis. Although AllCars does not sell AllCars’ Value vehicles with any warranty, the AllCars limited return policy still applies unless otherwise communicated at the time of purchase. This means that, unless provided otherwise in your Purchase Agreement, you may return an AllCars Value vehicle purchased from us within five days or 200 miles (whichever comes first).

Process for Purchasing a Vehicle Through the Services While you do not need an Account to view available vehicles, you must create an Account to purchase a vehicle. We encourage you to review all vehicle details, photos, reports, etc. to confirm the features and condition of the car before purchase.

To reserve a vehicle before purchase, you must place a refundable deposit. The deposit is typically $50, but it can vary by vehicle; the amount will be displayed to you through the Services. When you submit funds to AllCars sufficient to cover the deposit, AllCars will place a hold on your selected vehicle. Unless otherwise specified in the Services, the hold will reserve the vehicle for you for 72 hours from the time you place the hold. It is not necessary to reserve a vehicle before purchasing, but we cannot guarantee the availability of any vehicle unless the vehicle has been reserved by the payment of a deposit. All deposits are refundable, regardless of whether a purchase is made. If you reserve a vehicle by submitting a deposit and then purchase the reserved vehicle, the amount of the deposit will be credited toward the purchase price of the vehicle.

If you decide to purchase a vehicle, you will be required to review and execute a separate purchase agreement (the “Purchase Agreement”). In the event of any conflict between the Purchase Agreement and these Terms, the terms of the Purchase Agreement shall govern with respect to your purchase of a vehicle from AllCars.

Return Policy We stand by the quality of our vehicles, so unless otherwise communicated at the time of purchase, all vehicles come with a limited return policy. Unless provided otherwise in your Purchase Agreement (e.g., if the vehicle is damaged after purchase), you may return any vehicle purchased from us within eight days or 200 miles (whichever comes first).

Financing Those who purchase vehicles through AllCars may be eligible for financing with one of our third-party partners. All vehicle loans are subject to additional terms and conditions, which will be made available to you as applicable. Please visit the AllCars Financial Privacy Policy for information on how we collect and disclose your information when you apply for and/or obtain financing available on or through the Services.

AllCars Warranty Plans Unless otherwise specified in your Purchase Agreement, all AllCars’ Certified vehicles come with a 30-day limited powertrain warranty. Please review the applicable terms and conditions governing the warranty for further details.

AllCars does not provide a warranty on AllCars’ Value vehicles or other vehicles sold on an “As-Is” basis.

Vehicles purchased using the Services may also be under a manufacturer’s warranty. AllCars DOES NOT ADMINISTER OR WARRANT MANUFACTURER WARRANTIES. PLEASE CONSULT THE APPLICABLE MANUFACTURER FOR DETAILS OF ANY APPLICABLE MANUFACTURER WARRANTY. AllCars FURTHER DISCLAIMS ALL LIABILITY FOR MANUFACTURER’S RECALLS.

Vehicle Warranty You may also be able to purchase an AllCars Warranty for vehicles purchased from AllCars. Such plans are subject to applicable terms and conditions, which will be made available to you as applicable.

AllCars Vehicle Warranty Website All legal terms and conditions on the AllCars Warranty website, also apply to AllCars, Inc. and AllCars’ websites.

Insurance Users who purchase vehicles through the Services may also be eligible for insurance from a third-party provider through AllCars. Such insurance plans are subject to additional terms and conditions, which will be made available to you as applicable.

7. Vehicle Sales

We’ve made selling your car a breeze. Here are the details on how to do it through AllCars.

Process for Selling a Vehicle to AllCars To simplify the selling process, AllCars provides a tool that gives users an estimate of the price at which AllCars may offer to purchase their vehicle (the “Estimator Tool”). To use the Estimator Tool, you will be required to submit certain information about your vehicle, including without limitation (1) the make/model; (2) year of manufacture; (3) mileage, (4) Vehicle Identification Number (“VIN”); and (5) license plate number. You must also provide us with certain contact information to receive an estimated price at which AllCars will purchase your vehicle (the “Estimate”) Using the information provided, AllCars will either provide an Estimate or decline to purchase your vehicle at that time. The actual offer price from AllCars may differ, depending on factors including an in-person inspection of your vehicle by a AllCars’ employee.

If you would like to proceed with selling your vehicle to AllCars, you must schedule an in-person inspection by a AllCars’ employee Or a third party service that represents AllCars. Upon completing the inspection of the vehicle, an AllCars’ employee Or third party service that represents AllCars may provide you with the actual offer price at which AllCars will purchase your vehicle. If you agree to sell your vehicle to AllCars, you will be required to review and execute a separate sales agreement (the “Sales Agreement”). To the extent of any conflict between the Sales Agreement and these Terms, the terms of the Sales Agreement shall govern with respect to your sale of a vehicle to AllCars.

Voiding Sales Transactions Though rare, in some unusual circumstances, we may void Sales Agreements. While AllCars makes reasonable efforts to conduct thorough inspections, we may sometimes identify material defects in vehicles or title after taking possession of such vehicles after execution of a Sales Agreement. We may also discover that users seeking to sell vehicles to AllCars have made material misstatements or omissions regarding the condition of those vehicles. In those instances and as otherwise provided in the Sales Agreement and in accordance with applicable law, AllCars reserves the right to void the Sales Agreement within 24 hours or such longer period as may be provided in the Sales Agreement.

8. Rules and Prohibitions

To protect ourselves, our business partners, and our users, we have rules on how you can use the Services.

You may not use the Services to:

• violate any law or to promote any illegal activities;
• offer any vehicle that you do not yourself own or have permission to sell;
• obtain or attempt to obtain unauthorized access to the Services or to AllCars’ servers, systems, network, or data; scrape, access in violation of these Terms, monitor, index, mirror, frame, link, copy, or search (or attempt to do so) the Services by any means (automated or non-automated) other than through currently available, published interfaces that are provided by AllCars (and only pursuant to these Terms) (crawling the Services is permissible in accordance with these Terms, but scraping the Services without the prior written consent of AllCars is expressly prohibited);
• create more than one Account, use another person’s Account without authorization, impersonate any person or entity; or forge or manipulate headers or identifiers to disguise the origin of any content transmitted through the Services;
• interfere with or disrupt the Services or servers, systems or networks connected to the Services in any way;
• in any way violate any copyrights, trade secrets, or other rights of any third party, including privacy or publicity rights;
• make available viruses or any other computer code, files, programs or content designed to interrupt, destroy or limit the functionality of the Services, data, or affect other users;
• undertake any activity or engage in any conduct that is inconsistent with the business or purpose of the Services;
• probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures we may use to prevent or restrict access to the Services or use of the Services or the content therein;
• attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services; and/or
• attempt to indirectly undertake any of the foregoing.

AllCars has the right to investigate and prosecute violations of any of the above to the fullest extent of the law. AllCars may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms.

9. License to the Services; Modifications to the Services

So long as you follow our rules, we welcome your use of our Services. Circumstances may change though, so we may modify or eliminate certain or all services we provide.

Subject to your compliance with these Terms, AllCars grants you a limited, non-exclusive, non-assignable, non-sub-licensable, revocable, license to use the Services as it is provided to you by AllCars solely for your personal use and only in a manner that complies with these Terms and all legal requirements that apply to you or your use of the Services. AllCars may revoke this license at any time, in its sole discretion.

You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast, or otherwise exploit the Services, except as expressly permitted in these Terms. The Services are provided to you AS IS. If you download or print a copy of the Services for personal use, you must retain all copyright and other proprietary notices contained thereon. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by AllCars or its licensors, except for the licenses and rights expressly granted in these Terms.

All aspects of the Services are subject to change or elimination at AllCars’ sole discretion.

10. Account Suspension or Termination

We can suspend or terminate your right to use our Services for any or no reason, e.g. to prevent fraud.

We may, in our discretion, with or without cause, with or without prior notice and at any time, decide to limit, block, suspend, deactivate, or cancel your Account in whole or in part. If we exercise our discretion under these Terms to do so, any or all of the following can occur with or without prior notice or explanation to you: (a) your Account will be deactivated or suspended, your password will be disabled, and you will not be able to access the Services; and (b) if appropriate in our sole discretion, we may communicate to other users that your Account has been terminated, blocked, suspended, deactivated, or cancelled, and why this action has been taken. You may cancel your use of the Services and/or terminate your Account (if no longer necessary in connection with your use of the Services, such as if a transaction is pending) at any time by calling us at 1 (888) 820-9666.

11. Proprietary Rights

We respect your rights and require you to respect ours.

All right, title, and interest in and to the Services, are and will remain the exclusive property of AllCars and its licensors. All materials therein, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and all intellectual property rights related thereto, are the exclusive property of AllCars and its licensors. The Services are protected by copyright, trademark, and other laws of both the United States and foreign countries. You acknowledge that the Services have been developed, compiled, prepared, revised, selected, and arranged by AllCars and others through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, and money and constitute valuable intellectual property of AllCars and such others. Except as explicitly provided herein, nothing in these Terms gives you a right to use the AllCars name or any of the AllCars’ trademarks, logos, domain names and other distinctive brand features. Any other trademarks, service marks, logos, trade names and any other proprietary designations are the trademarks or registered trademarks of their respective owners.

12. Feedback

We love your feedback and suggestions! We just want to be sure we can use them.

Any feedback, comments, questions, or suggestions (collectively, “Feedback”) you may provide regarding the Services is entirely voluntary and we will be free to use such feedback, comments or suggestions without any obligation to you. By sending us any Feedback, you further (i) agree that we are under no obligation of confidentiality, express or implied, with respect to the Feedback; (ii) acknowledge that we may have something similar to the Feedback already under consideration or in development; (iii) grant us an irrevocable, non- exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute, and sublicense the Feedback; and (iv) irrevocably waive, and cause to be waived, against AllCars and its users any claims and assertions of any moral rights contained in such Feedback. These provisions regarding Feedback shall survive any termination of your Account or the Services.

13. Third-Party Links and Resources

We might have links on our site and app to other sites. We don’t endorse these sites, so be cautious when visiting and/or providing your information to those other sites.

The Services may contain information and content provided by third parties and may contain links to third-party websites, and other resources that are not owned or controlled by AllCars. AllCars is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for such external sites or resources. These links and resources do not imply any endorsement by AllCars, and AllCars does not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access a third-party website or resource from the Services, you do so at your own risk, and you understand that these Terms and AllCars’ Privacy Policy do not apply to your use of such links. You expressly relieve AllCars from any and all liability arising from your use of any third- party website, service, or content. You acknowledge and agree that AllCars is not responsible or liable for: (i) the availability or accuracy of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources.

14. Warranties, Disclaimers, and Limitation of Liability

We strive to make car buying and selling painless, but we can’t promise it will be perfect. We’re not liable for various things.

Your access to and use of the Services are at your own risk. You understand and agree that the Services are provided to you on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, AllCars AND ITS AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT. We make no warranty and disclaim all responsibility and liability for the completeness, accuracy, availability, timeliness, security, or reliability of the Services or any content thereon. AllCars will not be responsible or liable for any harm to your computer system, loss of data, or other harm that results from your access to or use of the Services. You also agree that AllCars has no responsibility or liability for its deletion of, or the failure to store, retain, or transmit, any communications maintained by or transmitted through the Services. We make no warranty that the Services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. No advice or information, whether oral or written, obtained from AllCars or through the Services, will create any warranty not expressly made herein.

The Services are controlled and operated from AllCars’ facilities in the United States. AllCars makes no representations that the Services are appropriate or available for use in other locations. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States and local laws and regulations, including but not limited to export and import regulations. You may not use the Services if you are a resident of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to individuals, companies, or other entities located in the United States.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AllCars AND ITS AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOOD-WILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR THROUGH THE SERVICES; (iii) ANY CONTENT OBTAINED FROM THE SERVICES; OR (iv) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT AllCars HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

THE LIMITATION OF LIABILITY DESCRIBED ABOVE SHALL APPLY FULLY TO RESIDENTS OF NEW JERSEY.

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so if you are a resident of any of those jurisdictions, the limitations above may not apply to you.

15. Indemnification and Release

If someone sues us because of your violation of our Terms, you have to pay our costs.

TO THE FULL EXTENT PERMITTED BY LAW, YOU AGREE TO RELEASE, DEFEND, INDEMNIFY, AND HOLD AllCars AND ITS AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, HARMLESS FROM AND AGAINST ANY CLAIMS, LIABILITIES, DAMAGES, LOSSES, AND EXPENSES, INCLUDING WITHOUT LIMITATION REASONABLE LEGAL AND ACCOUNTING FEES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR VIOLATION OF THESE TERMS.

If you are a California resident, you hereby waive California Civil Code §1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that if known by him or her would have materially affected his settlement with the debtor or released party.” This release includes the criminal acts of others. If you are not a California resident, you waive your rights under any statute or common law principle similar to Section 1542 that governs your rights in the jurisdiction of your residence.

16. Arbitration and Class Action Waiver

We don’t expect to get into any disputes with you. But if we do, here are the rules.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and AllCars agree that these Terms affect interstate commerce and that the Federal Arbitration Act governs the interpretation and enforcement of these arbitration provisions.

This Section is intended to be interpreted broadly and governs any and all disputes between us, including but not limited to claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; claims that arose before these Terms or any prior agreement (including, but not limited to, claims related to your use of the Services); and claims that may arise after the termination of these Terms or agreement to arbitrate. The only disputes excluded from this broad prohibition are the litigation of certain intellectual property and small court claims, as provided below.

By agreeing to these Terms, you agree to resolve any and all disputes with AllCars as follows:

Initial Dispute Resolution: Most disputes can be resolved without resort to litigation. You can reach AllCars’ support department at [email protected]. Except for intellectual property and small claims court claims, the parties agree to use their best efforts to settle any dispute, claim, question, or disagreement directly through consultation with the AllCars’ support department, and good faith negotiations shall be a condition to either party initiating a lawsuit or arbitration. If requested by AllCars, Buyer also agrees to submit to a Vehicle inspection, conducted by AllCars or a AllCars’ agent.

Binding Arbitration: If the parties do not reach an agreed-upon solution within a period of thirty (30) days from the time informal dispute resolution is initiated under the Initial Dispute Resolution provision above, then either party may initiate binding arbitration as the sole means to resolve claims, subject to the terms set forth below. Specifically, all claims arising out of or relating to these Terms (including the Terms’ or Privacy Policy’s formation, performance, and breach), the parties’ relationship with each other, and/or your use of the Services shall be finally settled by binding arbitration administered by JAMS in accordance with the JAMS Streamlined Arbitration Procedure Rules for claims that do not exceed $250,000 and the JAMS Comprehensive Arbitration Rules and Procedures for claims exceeding $250,000 in effect at the time the arbitration is initiated, excluding any rules or procedures governing or permitting class actions. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of these Terms or the Privacy Policy, including but not limited to any claim that all or any part of these Terms or Privacy Policy is void or voidable, whether a claim is subject to arbitration, or the question of waiver by litigation conduct. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be written and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

To start an arbitration, you must do the following: (a) write a Demand for Arbitration that includes a description of the claim and the amount of damages you seek to recover (you may find a copy of a Demand for Arbitration at www.jamsadr.com ); (b) send three copies of the Demand for Arbitration, plus the appropriate filing fee, to JAMS, 2 Embarcadero Center Suite 1500, San Francisco, CA 94111; and (c) send one copy of the Demand for Arbitration to AllCars at 941 Ridge Rd. Webster, NY 14580, ATTN: Legal.

You will be required to pay $250 to initiate an arbitration against us. If the arbitrator finds the arbitration to be non-frivolous, AllCars will pay all other fees invoiced by JAMS, including filing fees and arbitrator and hearing expenses. You are responsible for your own attorneys’ fees unless the arbitration rules and/or applicable law provide otherwise.

The parties understand that, absent this mandatory arbitration provision, they would have the right to sue in court and have a jury trial. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court.

If you are a resident of the United States, arbitration may take place in the county where you reside at the time of filing. For individuals residing outside the United States, arbitration shall be initiated in the State of New York, United States of America. You and AllCars further agree to submit to the personal jurisdiction of any federal or state court in Monroe County, New York in order to compel arbitration, to stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

Class Action Waiver: The parties further agree that the arbitration shall be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND AllCars AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above shall be deemed null and void in their entirety and the parties shall be deemed to have not agreed to arbitrate disputes.

Exception: Litigation of Intellectual Property and Small Claims Court Claims: Notwithstanding the parties’ decision to resolve all disputes through arbitration, either party may bring enforcement actions, validity determinations or claims arising from or relating to theft, piracy or unauthorized use of intellectual property in state or federal court or in the U.S. Patent and Trademark Office to protect its intellectual property rights (“intellectual property rights” means patents, copyrights, moral rights, trademarks, and trade secrets, but not privacy or publicity rights). Either party may also seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction.

30-Day Right to Opt Out: Unless you have previously agreed to an arbitration and class action waiver provision for disputes with AllCars, you have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth above by sending (from the email address you used to register for your account) written notice of your decision to opt out to [email protected] with the subject line, “ARBITRATION AND CLASS ACTION WAIVER OPT-OUT.” The notice must be sent within thirty (30) days of your first use of the Services or the effective date of the first set of Terms containing an Arbitration and Class Action Waiver section, whichever is later; otherwise, you shall be bound to arbitrate disputes in accordance with the terms of these paragraphs. If you opt out of these arbitration provisions, AllCars also will not be bound by them.

Changes to This Section: AllCars will provide thirty (30) days’ notice of any changes to this section by posting on the Services, sending you a message, or otherwise notifying you when you are logged into your account. Amendments will become effective thirty (30) days after they are posted on the Services or sent to you.

Changes to this section will otherwise apply prospectively only to claims arising after the thirtieth (30th) day. If a court or arbitrator decides that this subsection on “Changes to This Section” is not enforceable or valid, then this subsection shall be severed from the section entitled “Arbitration and Class Action Waiver,” and the court or arbitrator shall apply the first Arbitration and Class Action Waiver section in existence after you began using the Services.

Survival: This Arbitration and Class Action Waiver section shall survive any termination of your Account or the Services.

17. Export Control

The Services are subject to the trade laws and regulations of the United States and other countries, including the Export Administration Regulations (EAR, 15 CFR Part 730 et seq.) and the sanctions programs administered by the Office of Foreign Assets Control (OFAC, 31 CFR Part 500). You will not import, export, re-export, transfer or otherwise use the Services in violation of these laws and regulations, including by engaging in any unauthorized dealing involving (i) a U.S. embargoed country; (ii) a party included on any restricted person list, such as the OFAC Specially Designated Nationals List, or the Commerce Department’s Denied Persons List or Entity List; or (iii) the design, development, manufacture, or production of nuclear, missile, or chemical or biological weapons. By using the Services, you represent and warrant that you are not located in any such country or on any such list. You will not engage in activity that would cause us to be in violation of these laws and regulations, and will indemnify AllCars for any fines, penalties or other liabilities incurred by us for your failure to comply with this provision.

18. AllCars Text Messages

You may be given an opportunity to receive text messages from AllCars. We or our service providers send text messages to: (1) provide you with information you requested from AllCars; and (2) respond to your inquiries.

E-SIGN Disclosure. By agreeing to receive text messages, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by emailing AllCars at [email protected] with “Revoke Electronic Consent” in the subject line. To view and retain a copy of this disclosure or any information regarding your enrollment in this program, you will need (i) a device (such as a computer or mobile phone) with a web browser and Internet access and (ii) either a printer or storage space on such device. For a free paper copy, or to update our records of your contact information, email AllCars at [email protected] with contact information and the address for delivery.

Requesting Communications with AllCars Through Text Messages. You may sign up to receive text messages through our website (e.g. by initiating a text message chat with us through our website). By initiating text messages from us, you agree to these Terms, including our Privacy Policy.

Costs of Signing Up for AllCars Text Messages. AllCars does not charge you for its text message program. But message and data rates may apply, so depending on your plan with your wireless or other applicable provider, you may be charged by your carrier or other applicable provider.

Frequency of Text Messages. The specific amount of text messages you receive may vary depending on how you use the Services.

Participating Carriers. Content is not available on all carriers and carrier participation could change. The content is not compatible with all cell phone models. AllCars will not be liable for any delays in the receipt of any SMS messages or changes to the participating carriers as delivery is subject to effective transmission from your carrier with active participation at that time.

Eligibility. By signing up to receive AllCars’ text messages, you represent that you are 18 years of age or older and understand the obligations and agree to the terms set forth in these Terms. You further represent that you are the subscriber of the cellular service at the mobile number provided or that you are authorized by the subscriber to sign-up for texts.

Opting Out of AllCars’ Text Messages. If you no longer want to receive AllCars’ text messages, you may text STOP at any time. After doing so, we may send you confirmation of your opt-out via text message.

19. Private Listing

Introduction Private Listings / Listings / List Your Vehicle – a service that AllCars offers to users to list their private vehicle for sale with the other vehicles on the AllCars site that includes connecting sellers to prospective buyers.

Sellers – a user who wishes to sell their vehicle to prospective buyers by creating a Private Listing on the AllCars site.

Prospective Buyers / Buyers / Purchaser – a user who inquires on a private listing and has agreed to have the vehicle seller reach out via the preferred communication method selected on the site.

Overall Terms

1. All users of either feature agree to all the AllCars Terms of Use and Policies on the AllCars site before proceeding with a “Private Listing” or “Inquiry”.
2. AllCars does not offer any test period on privately listed vehicles.
3. AllCars does not offer any form of inspection on privately listed vehicles.
4. AllCars is not responsible for the condition of the vehicle, “lemon” vehicles, returns, or fraud.
5. Transactions are between the buyer and seller.
6. Users must register on the site.
7. AllCars is not responsible for fraud from any buyer or seller. It’s the responsibility of both the buyer and seller to beware of this possibility and take appropriate measures to prevent.

Seller Terms and Responsibilities

1. Providing accurate vehicle information including but not limited to mileage, condition, and other information provided when listing the vehicle.
2. AllCars may moderate listings and has the final say if a listing will be accepted or not, and the duration of the listing. AllCars may remove a listing at any time for whatever reason.
3. AllCars is not responsible if your vehicle does not sell, may refuse to re-list a vehicle, and may take down a listing at any time for whatever reason.
4. A listed vehicle must conform to the qualifications of the site that included minimum price, maximum age, maximum mileage, vehicle quality, photo quality, and any other qualifications there may be.

Buyer / Purchaser Terms and Responsibilities

1. AllCars is not responsible for the condition of the vehicle, “lemon” vehicles, misrepresentation, or returns.
2. The buyer is responsible for obtaining a vehicle inspection (optional, and recommended), and taking their own measures for ensuring they do not purchase a vehicle with issues.
3. AllCars and private listing sellers do not warranty vehicles.
4. Shipping or vehicle transportation expenses are the responsibility of the buyer.
5. Providing contact information for the vehicle seller to respond to the inquiry.
6. Although AllCars make strong efforts to make sure our information is accurate, AllCars cannot guarantee that all the information on this website and or blog is always correct, complete, or up-to-date. Buyers must verify any and all information provided by the seller.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PRODUCTS, SERVICES AND INFORMATION ALLCARS WEBSITE IS PROVIDED “AS IS” AND WITH ALL FAULTS AND ALL CARS MAKES NO PROMISES, REPRESENTATIONS, OR WARRANTIES, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE PRODUCTS, SERVICES AND INFORMATION, INCLUDING CONDITION, CONFORMITY TO ANY REPRESENTATION OR DESCRIPTION, OR THE EXISTENCE OF ANY LATENT OR PATENT DEFECTS, AND ALLCARS SPECIFICALLY DISCLAIMS ALL IMPLIED (IF ANY) WARRANTIES OF TITLE, MERCHANTABILITY, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, LACK OF VIRUSES, ACCURACY OR COMPLETENESS, QUIET ENJOYMENT, AND QUIET POSSESSION. THE ENTIRE RISK ARISING OUT OF USE OR PERFORMANCE OF THE PRODUCTS, SERVICES AND INFORMATION LIES WITH USERS.

Indemnification To the maximum extent permitted by law, Purchaser and Seller shall defend, indemnify, and hold harmless Company, its officers, officials, employees, and volunteers from and against all claims, damages, losses, and expenses, including attorney fees arising out of the consummation of the contract described herein, consequential, incidental, special, indirect, or exemplary damages caused in whole or in part by any act or omission of the Purchaser or Seller, anyone directly or indirectly employed by any of them, or anyone for whose acts any of them may be liable. This includes, but is not limited to, lost profits, loss of confidential or other information, business interruption, personal injury, loss of privacy, failure to meet any duty (including of good faith or reasonable care), negligence, costs of procurement of substitute goods or services, or any other claim for pecuniary or other loss whatsoever.

THIS CONTRACT IS SOLELY BETWEEN THE PURCHASER AND SELLER AND THE PURCHASER AND SELLER SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY FOR ANY AND ALL LOSSES THAT MAY ARISE FROM THE CONSUMMATION OF THIS AGREEMENT OR OTHERWISE ANY USE OF THIS WEBSITE.

20. General

Governing Law. You agree that: (i) the Services shall be deemed solely based in New York; and (ii) the Services shall be deemed a passive one that does not give rise to personal jurisdiction over AllCars, either specific or general, in jurisdictions other than New York. These Terms of Use shall be governed in all respects by the internal substantive laws of the State of New York, without regard to its conflict of laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. Except for claims that must be arbitrated pursuant to the Arbitration and Class Action Waiver section, any claim or dispute arising in connection with the Services shall be decided exclusively by a court of competent jurisdiction located in Monroe County, New York, and you consent to the personal jurisdiction of and venue in such courts and waive any and all jurisdictional and venue defenses or objections otherwise available.

Entire Agreement. These Terms, together with the AllCars’ Privacy Policy and any other legal notices, amendments, and additional agreements or policies published by AllCars on the Services, shall constitute the entire agreement between you and AllCars concerning the Services. Except as set forth in the Arbitration and Class Action Waiver section, if any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. In the event of any conflict between these Terms (or any portion thereof) and any agreement between AllCars and you signed by you (including, without limitation, a Purchase Agreement or Sales Agreement), the terms of the latter agreement shall prevail.

Section Headings and Summaries. The section headings and summaries in these Terms are for convenience only and have no legal or contractual effect.

Waiver. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and AllCars’ failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Force Majeure. Neither AllCars nor you shall be liable to the other for any delay or failure in performance under the Terms arising out of a cause beyond its control and without its fault or negligence. Such causes may include but are not limited to fires, floods, earthquakes, strikes, unavailability of necessary utilities, blackouts, acts of God, acts of declared or undeclared war, acts of regulatory agencies, or national disasters.

No Third-Party Beneficiaries. You agree that, except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to these Terms.

Transferability and Assignability. These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by AllCars without restriction. Any attempted transfer or assignment in violation hereof shall be null and void. These Terms bind and inure to the benefit of each party and the party’s successors and permitted assigns.

Notices. We may deliver notice to you by email, posting a notice on the Services, or any other method we choose and such notice will be effective on dispatch. If you give notice to us, it will be effective when received by mail at the address listed in the paragraph below.

Contact us. If you have any questions regarding these Terms of Use or the Services, please contact us by mail at AllCars, 941 Ridge Rd. Webster, NY 14580, USA; by phone at 1 (888) 820-9666; or by email at [email protected].

Privacy Policy

AllCars, Inc. (“AllCars,” “we,” “our,” or “us”) provides this Privacy Policy (the “Privacy Policy”) to describe the information we collect, how we use it, and when and with whom we share it. Except as explicitly provided herein, this Privacy Policy applies only to information that we collect and use about you when you access or use our website, mobile application, or other online or mobile service that links to or otherwise presents this Privacy Policy to you. We refer to these products and services collectively as the “Services.” By accessing or using the Services, you agree to this Privacy Policy. If you do not agree to this Privacy Policy, please do not access or use the Services. For information on our privacy practices with respect to information you provide to us in the context of our provision of financial services, please review our Financial Privacy Policy.

1. What Information Do We Collect?

We obtain information about you through the means discussed below when we provide the Services. Please note that we need certain types of information to provide the Services to you. If you do not provide us with such information, or if you ask us to delete that information, you may no longer be able to access or use certain Services.

Information you provide directly to us We may collect information that you provide directly to us through:

• When you use our Services, e.g. when you register for an account;
• When you participate in surveys or fill out forms;
• When you request a quote or other information, including information regarding financing;
• When you offer to make a purchase or make a purchase;
• When you offer to sell a vehicle or sell a vehicle;
• When you subscribe to newsletters;
• When you register for promotions;
• When you transmit user content to us;
• When you request customer support and/or technical assistance; and
• When you otherwise communicate with us or other users through the Services.

The information you provide directly to us may concern you or others and may include, but is not limited to:

• Identifiers and Contact Information. We may collect identifiers and other contact information from you, such as your name, email address, phone number, address, social security number, passport information, and/or driver’s license.
• Vehicle Information. In the context of your inquiries, offers, or actual purchases or sales on or through the Services, we may collect information about your vehicle, such as a license plate, VIN number, Autocheck or Carfax report, mileage, photographs of vehicles, proof of ownership, and/or general vehicle condition. You may also provide us with information about the types of vehicles you are seeking.
• Financial Information. In the context of your inquiries, offers, or actual purchases or sales on or through the Services, you may provide us or our service providers with financial information such as your income, credit score, insurance information, identity verification information, and/or financial account or credit card account information.

You are not required to provide us with such information, but certain features of the Services may not be accessible or available, absent the provision of the requested information.

Information from affiliates and non-affiliated third parties We may collect information about you or others through our affiliates or through non-affiliated third parties. For example, to the extent permitted by law, we may, in our sole discretion, ask for and collect supplemental information from third parties, such as information about your credit from a credit bureau, information to verify your identity, information regarding your vehicle, or information for other fraud or safety protection purposes. We may combine information that we collect from you through the Services with information that we obtain from such third parties and information derived from other products or services we provide.

Information we collect automatically Device/Usage Information. We and our third-party service providers, which include ad networks and analytics companies such as Google Analytics, may use cookies, web beacons, and other tracking technologies to collect information about the computers or devices (including mobile devices) you use to access the Services. As described further below, we may collect and analyze information including but not limited to (a) browser type; (b) ISP or operating system; (c) domain name; (d) access time; (e) referring or exit pages; (f) page views; (g) IP address; (h) unique device identifiers (e.g. IDFA or Android ID); and (i) the type of device that you use. We may also track when and how frequently you access or use the Services, including how you engage with or navigate our website or mobile application. We use this information (including the information collected by our third-party service providers) for analytics (including to determine which portions of the Services are used most frequently and what our users like/do not like), to assist in determining relevant advertising (both on and off the Services), to evaluate the success of our advertising campaigns, and as otherwise described in this Privacy Policy.

Cookies and Other Electronic Technologies. We and our third-party service providers may use cookies, clear GIFs, pixel tags, and other technologies that help us better understand user behavior, personalize preferences, perform research and analytics, and improve the Services. These technologies, for example, may allow us to tailor the Services to your needs, save your password in password-protected areas, track the pages you visit, help us manage content, and compile statistics about usage of our Services. We or our third-party service providers also may use certain of these technologies in emails to our customers to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

We may also use browser-managed local storage and similar technologies to deliver content and remember preferences. You can manage these technologies through your browser or device settings. Adobe Flash Player and its former “Flash cookie” controls are no longer supported; see Adobe’s Flash Player end-of-life notice for more information.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but your browser may allow you to modify your browser settings to decline cookies if you prefer. If you disable cookies, you may be prevented from taking full advantage of the Services because some features may not function properly. Local storage and similar technologies may be managed separately from standard browser cookies. As we adopt additional technologies, we may also gather additional information through other methods.

Location Information. When you use the Service, we may collect general location information (such as general location inferred from an IP address).

2. What Do We Use Your Information For?

We use your information for business and commercial purposes, such as:

• To provide you with the Services, including to register you for an account and process transactions, or to process your application for financing;
• To respond to your questions or inquiries, including to provide customer support and troubleshooting assistance;
• To communicate with you, including to send you emails about products and services that may interest you;
• To manage and remember your preferences and personalize the Services;
• To analyze and improve the Services or any other products and services we provide;
• To administer surveys, sweepstakes, promotions, or contests;
• To assess the value of any vehicle you offer to sell to AllCars or through AllCars;
• To verify your identity;
• To comply with our legal obligations or as permitted by law;
• To protect the safety and/or integrity of our users, employees, third parties, members of the public, and/or our Services;
• To prevent fraud and enforce our legal terms; and
• To administer and troubleshoot the Services.

We may combine information that we collect from you through the Services with information that we obtain from affiliated and nonaffiliated third parties, and information derived from any other products or services we provide.

We may aggregate and/or de-identify information collected through the Services. We may use de-identified or aggregated data for any purpose, including without limitation for research and marketing purposes and may also share such data with any third parties, including without limitation, advertisers, promotional partners, sponsors, event promoters, and/or others.

3. When Do We Share Your Information?

We may share or disclose information in the following ways:

• Affiliates. We may share your information with any AllCars’ affiliates.
• Consent/At Your Direction. We may disclose your information to non-affiliated third parties based on your consent to do so. Such consent includes the disclosure of your information (a) in order to facilitate the purchase or sale of a vehicle through AllCars; (b) when we have your permission; or (c) as described in this Privacy Policy, the Terms of Use, or any other legal terms governing your use of the Services. For example, when you sell a vehicle to or through AllCars, a subsequent purchaser of your vehicle may have access to information available on a previous owner’s DMV registration card, such as the name and address of a previous owner.
• Service Providers: We provide access to or share your information with select third parties who perform services on our behalf. They provide a variety of services to us, including data storage, analytics, billing, marketing, product content and features, customer service, data storage, security, fraud prevention, and legal services.
• Protection of AllCars and Others: We may share or disclose certain information if we believe in good faith that doing so is necessary or appropriate to (i) protect or defend the rights, safety, or property of AllCars or third parties, including to defend or enforce our Privacy Policy, our Terms of Use, or any other contractual arrangement or (ii) respond to your requests for customer service; and/or (iii) protect the rights, property or personal safety of AllCars, its agents and affiliates, its employees, users and/or the public.
• Legal Requirements: We may share or disclose certain information if we believe in good faith that doing so is necessary or appropriate to comply with any law enforcement, legal, or regulatory process, such as to respond to a warrant, subpoena, court order, or other applicable laws and regulations.
• Business Transfer: We may share or disclose certain information, in connection with or during negotiations of any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• Aggregate/Anonymous Information: From time to time, we may share aggregate/anonymous information about use of the Services, such as by creating reports on usage trends. The sharing of such data is unrestricted.

4. Online Analytics and Tailored Advertising

Analytics We may use third-party web analytics services on the Services, such as those of Google Analytics. These service providers use the sort of technology described in the “Information we collect automatically” section above to help us analyze how users use the Services, including by noting the third-party website from which you arrive. The information collected by the technology will be disclosed to or collected directly by these service providers, who use the information to evaluate your use of the Services. We also use Google Analytics for certain purposes related to advertising, as described in the following section. To prevent Google Analytics from using your information for analytics, you may install the Google Analytics Opt-Out Browser Add-on.

Tailored Advertising Third parties whose products or services are accessible or marketed via the Services may also place cookies or other tracking technologies on your computer, mobile phone, or other device to collect information about your use of the Services in order to (a) inform, optimize, and serve marketing content based on past visits to our websites and other sites and (b) report how our marketing content impressions, other uses of marketing services, and interactions with these marketing impressions and marketing services are related to visits to our websites. We also allow other third parties (e.g., ad networks and ad servers such as Google Analytics) to serve tailored marketing to you and to access their own cookies or other tracking technologies on your computer, mobile phone, or other device you use to access the Services. We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Services by non-affiliated, third-party ad technologies, ad servers, ad networks or any other non-affiliated third parties. Those parties that use these technologies may offer you a way to opt out of targeted advertising as described below. You may receive tailored advertising on your computer through a web browser. Cookies may be associated with de-identified data linked to or derived from data you voluntarily have submitted to us (e.g., your email address) that we may share with a service provider in hashed, non-human-readable form.

If you are interested in more information about tailored browser advertising and how you can generally control cookies from being put on your computer to deliver tailored marketing, you may visit the Network Advertising Initiative’s (“NAI”) Consumer Opt-Out Link and/or the Digital Advertising Alliance’s (“DAA”) Consumer Opt-Out Link. To opt out of Google Analytics for Display Advertising or customize Google Display Network ads, you can visit the Google Ads Settings page. Please note that to the extent advertising technology is integrated into the Services, you may still receive advertising content even if you opt out of tailored advertising. In that case, the advertising content will just not be tailored to your interests. Also, we do not control any of the above opt-out links and are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms. If your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different computer or change web browsers, your NAI or DAA opt-out may no longer be effective. Additional information is available on NAI’s and DAA’s websites, accessible by the above links.

When using a mobile application you may also receive tailored in-application advertising content. Each operating system–iOS for Apple devices, Android for Android devices, and Windows for Microsoft devices–provides its own instructions on how to prevent the delivery of tailored in-application marketing content. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertising. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact the applicable platform operator.

5. Children’s Privacy

Our Services are not designed for minors under 18. Only persons 18 years of age or older may use the Services. If we discover that an individual under 18 has provided us with personal information, we will close the account and delete the personal information to the extent required by the Children’s Online Privacy Protection Act. We may, where permitted by law, retain certain information internally for purposes described in this Privacy Policy.

6. How Do We Protect Your Information?

AllCars implements technical, administrative, and physical safeguards to protect the information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. Therefore, we do not promise and cannot guarantee, and thus you should not expect, that your personal information or communications will not be collected, disclosed and/or used by others. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, keeping your log-in and password private, and not recycling passwords from other websites or accounts. AllCars is not responsible for the unauthorized use of your information nor for any lost, stolen, or compromised passwords, or for any activity on your account via unauthorized password activity.

7. Links to External Sites and Services

The Services may contain links to third-party websites or services. We are not responsible for the content or practices of those websites or services. The collection, use, and disclosure of your information will be subject to the privacy policies of the third-party websites or services, and not this Privacy Policy. We urge you to read the privacy and security policies of these third parties.

8. What Choices Do You Have?

You have certain rights and choices with respect to your information such as:

• Profile Information: You can update certain of your profile information by accessing your account.
• Marketing Communications: You can unsubscribe from marketing emails by following the directions in those emails.
• Cookies & Analytics: You can opt out of certain cookie-related and analytics processing by following the instructions in this Privacy Policy.
• Nevada Residents: Under Nevada law, certain Nevada consumers may opt out of the sale of “personally identifiable information” for monetary consideration to a person for that person to license or sell such information to additional persons. “Personally identifiable information” includes first and last name, address, email address, phone number, Social Security Number, or an identifier that allows a specific person to be contacted either physically or online. We do not engage in such activity; however, if you are a Nevada resident who has purchased or leased goods or services from us, you may submit a request to opt out of any potential future sales under Nevada law by emailing [email protected] with the subject line “Nevada Sale Opt-Out”. Please note we will take reasonable steps to verify your identity and the authenticity of the request. Once verified, we will maintain your request in the event our practices change.
• California Residents: Please click here to view details on rights for California residents.

Please note, however, that certain information may be exempt from such requests in some circumstances, which may include needing to continue processing your information for our legitimate interests or to comply with a legal obligation. We may request that you provide us with information necessary to confirm your identity before responding to your request.

9. California Do-Not-Track Disclosure

AllCars is committed to providing you with meaningful choices about the information collected on our Services for third party purposes. That is why we have provided links (above) to the NAI “Consumer Opt-Out” link, the DAA opt-out link, and a Google opt-out link. However, AllCars does not currently recognize or respond to browser-initiated Do-Not-Track signals, as the Internet industry is currently still working on Do-Not-Track standards, implementations and solutions.

10. Consent to Transfer

Our computer systems are currently based in the United States, so your personal information will be processed by us in the United States, where data protection and privacy regulations may not offer the same level of protection as in other parts of the world. By using the Services, you agree to this Privacy Policy and you consent to the transfer of all such information to the United States, which may not offer a level of protection equivalent to that required in the European Union or certain other countries, and to the processing of that information as described in this Privacy Policy.

11. Changes to Our Privacy Policy

We may change this Privacy Policy to reflect changes in the law, our information practices or the features of the Services. At the top of our Privacy Policy, we will indicate the date of the most recent update. If we make a material change to the Policy, you will be provided with appropriate notice in accordance with legal requirements. By continuing to use the Services, you are confirming that you have read and understood the latest version of this Privacy Policy.

12. Contact Us

If you have any questions about this Privacy Policy or AllCars’ practices, please contact us at [email protected]. You can also reach us by writing to AllCars, Inc., 941 Ridge Road, Webster, NY 14580, USA; by phone at 1 (888) 820-9666; or by email at [email protected].

13. Supplemental Privacy Notice for California Residents

This Supplemental Privacy Notice supplements the information in our Privacy Policy above, and except as provided herein, applies solely to California residents. It applies to personal information we collect on or through the Services and through other means (such as information collected offline, in person, and over the telephone). It does not apply to personal information we collect from our employees and job applicants in their capacity as employees and job applicants. It also does not apply to personal information we collect from employees, owners, directors, officers, or contractors of businesses during our provision or receipt of business-related services.

Summary of Information We Collect California law requires us to disclose information regarding the categories of personal information that we have collected about California consumers, the categories of sources from which the information was collected, the business or commercial purposes (Providing the Services (e.g., account servicing and maintenance, order processing and fulfillment, customer service, advertising and marketing, analytics, and communication about the Services);

• Our or our service provider’s operational purposes;
• Auditing consumer interactions on our site (e.g., measuring ad impressions);
• Detecting, protecting against, and prosecuting security incidents and fraudulent or illegal activity;
• Bug detection, error reporting, and activities to maintain the quality or safety of our Services;
• Short-term, transient use, such as customizing content that we or our service providers display on the Services;
• Improving our existing Services and developing new services (e.g., by conducting research to develop new products or features);
• Other uses that advance our commercial or economic interests, such as third party advertising and communicating with you about relevant offers from third party partners;
• Other uses about which we notify you.

Examples of these types of uses are identified below. We may also use the below categories of personal information for compliance with applicable laws and regulations, and we may combine the information we collect (“aggregate”) or remove pieces of information (“de-identify”) to limit or prevent identification of any particular user or device.

Rights If you are a California resident, you may have certain rights. California law may permit you to request that we:

• Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information.
• Provide access to and/or a copy of certain information we hold about you.
• Delete certain information we have about you.

You may have the right to receive information about the financial incentives that we offer to you, if any. You also have the right to not be discriminated against (as provided for in applicable law) for exercising certain of your rights. Certain information may be exempt from such requests under applicable law. We need certain types of information so that we can provide the Services to you. If you ask us to delete it, you may no longer be able to access or use the Services.

If you would like to exercise any of these rights, please email us at [email protected] with your request. You will be required to verify your identity before we fulfill your request. You can also designate an authorized agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.

California residents may opt out of the “sale” of their personal information. AllCars does not “sell” your personal information as we understand that term to be defined by the California Consumer Privacy Act and its implementing regulations.

Financial Privacy Policy

Financial Privacy Notice This Financial Privacy Notice supplements the information in our general Privacy Policy, and applies solely to information we collect in AllCars’ capacity as a financial institution (e.g., in connection with our loan application and pre-qualification processes).

Reasons we can share your personal information

Questions? Email [email protected]

Who we are Who is providing this notice? This notice is provided by AllCars, Inc.

What we do How does AllCars protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information, and we limit access to information to those employees for whom access is appropriate.

How does AllCars collect my personal information? We collect your personal information, for example, when you: apply for a loan or give us your income information, show your driver’s license or provide employment information, give us your contact information. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes – information about your creditworthiness, affiliates from using your information to market to you, sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. AllCars does not share with non-affiliates so they can market to you.

Joint marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. AllCars doesn’t jointly market.

Other Important Information California: If your AllCars account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.

Vermont: If your AllCars account has a Vermont mailing address, we will not share personal information with non-affiliates to market to you, or share consumer report information about you with affiliates or joint marketing companies, except with your express consent.

Applicant Privacy Policy

This Job Applicant Privacy Policy (“Policy“) describes how AllCars, Inc. (“AllCars“, “we“, “us“ and “our“) collects, uses, and discloses “personal information” as defined under California law from and about job applicants who are residents of California.

This Policy does not apply to our handling of data gathered about you in your role as a visitor to our website or user of our mobile applications. When you interact with us as in that role, the Terms of Use and Privacy Policy applies.

1. Types of Personal Information We Handle

We collect, store, and use various types of personal information through the application and recruitment process. We collect such information either directly from you or (where applicable) from another person or entity, such as an employment agency or consultancy, background check provider, or other referral sources. This information includes:

• Identification and contact information, and related identifiers such as full name, date and place of birth, citizenship and permanent residence, home and business addresses, telephone numbers, and email addresses.
• Professional or employment-related information, including:
  • Recruitment, employment, or engagement information such as application forms and information included in a resume, cover letter, or otherwise provided through any application or engagement process; and background screening results and references.
  • Career information such as job titles; work history; work dates and work locations; information about skills, qualifications, experience, publications, speaking engagements, and preferences; and professional memberships.
• Education Information such as institutions attended, degrees, certifications, training courses, publications, and transcript information.
• Legally protected classification information (if you provide it to us) such as race, sex/gender, religious/ philosophical beliefs, gender identity/expression, sexual orientation, marital status, military service, nationality, ethnicity, request for family care leave, political opinions, criminal history, and other information to help us monitor compliance with equal opportunity legislation.
• Other information such as any information you voluntarily choose to provide in connection with your job application.

2. How We Use Personal Information

We collect, use, share, and store personal information from job applicants for our and our service providers’ business and operational purposes in the recruitment process such as: processing your application, tracking your application through the recruitment process, contacting references with your authorization, conducting background checks you authorize, and making hiring decisions. We will also use job applicant information for internal analysis purposes to understand the applicants who apply and to improve our recruitment process. We may sometimes need to use applicant information for legal purposes, such as in connection with any challenges made to our hiring decisions.

3. With Whom We Share Personal Information

We will disclose job applicant personal information to the following types of entities or in the following circumstances (where applicable):

• Internally: to other AllCars personnel (including of affiliates) involved in the recruiting and hiring process.
• Service Providers: such as technology service providers, travel management providers, human resources suppliers, background check companies, and employment agencies or recruiters, where applicable.
• Legal Compliance: when required to do so by law, regulation, or court order or in response to a request for assistance by the police or other law enforcement agency.
• Litigation Purposes: to seek legal advice from our external lawyers or in connection with litigation with a third party.
• Business Transaction Purposes: in connection with a sale, purchase, or merger.

4. How to Contact Us About this Policy

If you have any questions about this Policy, please contact [email protected].

e-Disclosure

Table Of Contents

1. Definitions
2. Scope of your consent
3. Withdrawing your consent
4. Requesting paper copies
5. Valid and current contact information
6. Hardware and software requirements

1. Definitions

These Terms of Use (“Terms”) govern your access to and use of the online services and offerings (collectively, “Services”) by AllCars, Inc., including our affiliates and subsidiaries (collectively, “AllCars,” “we,” “us,” or “our”). These Terms apply to all Services, including any website or mobile application we make available to you.

2. Scope of your consent

By using AllCars services, you consent to conduct binding electronic transactions with AllCars. You agree: (1) that your electronic signature is the legal equivalent of your manual signature and may consist of clicking on buttons and/or checking boxes where indicated; (2) to the use of electronic Documents, including Documents sent to you electronically or posted online; and (3) that you are providing your consent to receive electronic communications from AllCars under the Electronic Signatures in Global and National Commerce Act, and intending that this law apply to your transactions with us.

3. Withdrawing your consent

You have the right to withdraw your consent at any time by contacting us at [email protected]. You acknowledge that AllCars may not be able to complete some or all of its services to you if you withdraw such consent. Any Document we previously provided to you as an electronic Document will remain valid, enforceable, sufficient for its intended purpose, and unaffected by the withdrawal of your consent.

4. Requesting paper copies

You may obtain a paper copy of a Document by printing it from your computer or contacting us at [email protected]. You acknowledge that AllCars may charge you a reasonable fee for the production and mailing of paper versions of Documents.

5. Valid and current contact information

You agree to provide us with accurate contact information, including your email address, and to promptly notify us of any changes. You may update your contact information by updating your account or by contacting us at [email protected].

6. Hardware and software requirements

To access Documents, you will need a working email address, Adobe Acrobat Reader, and a computer or other access device that can access the Internet using a web browser. To retain Documents, the computer or access device must allow you to download and save Documents to a hard drive or external storage media, print web pages, as well as embedded HTML files or both. You should save and/ or print this page to be sure you have the necessary hardware and software. By providing us with your email address and accessing this disclosure on AllCars’ website, you confirm that you have the required hardware and software to conduct electronic transactions with us.