Terms of Use

Last Updated: 08/10/2019

By accessing the Gotyourcredit.com LLC . website or using the services offered by Gotyourcredit.com LLC, you agree and acknowledge to be bound by these terms. If you do not agree to these terms, please do not access the site or use the services. Gotyourcredit.com LLC. reserves the right to change these terms at any time. We recommend that you periodically check this site for changes.

Gotyourcredit.com LLC grants you a limited license to access the site and use the services in accordance with these terms and the instructions and guidelines posted on the site. Gotyourcredit.com LLC reserves the rights to terminate your license to use the site and services at any time and for any reason or in the future charge for commercial usage.

RESPONSIBILITY

You are solely responsible for your use of the site and services. Because Gotyourcredit.com LLC merely serves as a repository of information, user-posted content does not represent the advice, views, opinions or beliefs of Gotyourcredit.com LLC, and Gotyourcredit.com LLC makes no claim of accuracy of any user-posted material. Gotyourcredit.com LLC allows for the posting of links to third-party websites. The linked websites’ content, business practices and privacy policies are not under our control, and we are not responsible for the content of any linked website or any link contained in a linked website. The inclusion of a link on the site or services does not imply any endorsement by or any affiliation with Gotyourcredit.com LLC. In accessing the site and services or following links to third-party websites you may be exposed to content that you consider offensive or inappropriate. You agree that your only recourse is to stop using the site and services.

By posting content, you are granting permission to us and others to access and use it in connection with the services, the site and otherwise in connection with our business.

Gotyourcredit.com LLC is explicitly not responsible for the manner or circumstances by which third parties access or use our content and is under no obligation to disable or otherwise restrict this access. Gotyourcredit.com LLC does not provide you with the ability to retrieve and remove your posted content

from the site and the services. Gotyourcredit.com LLC does not provide you with the ability to retrieve and remove copies that others may have made or we may have made for backup purposes.

FEEDS & API 

Gotyourcredit.com LLC provides access to portions of its site and services via RSS feeds and an API; for the purposes of these terms, such access constitutes use of the site and services. Gotyourcredit.com LLC asks that you use these features respectfully, as outlined in the documentation. You may not use these or any other features or the Site itself to allow the display of a substantial portion of the Gotyourcredit.com LLC database or reproduce, duplicate or copy the Gotyourcredit.com LLC Site. Gotyourcredit.com LLC reserves the rights to change these features at any time and to disable access to the feeds and the API at any time for any reason.

INTELLECTUAL 

Gotyourcredit.com LLC, the Gotyourcredit.com LLC logo and the Gotyourcredit.com LLC design are trademarks or trade dress of Gotyourcredit.com LLC , and may not be used without express written permission from Gotyourcredit.com LLC, other than for attribution. All other trademarks not owned by Gotyourcredit.com LLC that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Gotyourcredit.com LLC

Gotyourcredit.com LLC-originated content included on the site, such as text, graphics, logos, data compilations, APIs, software and the compilation of all content on the site, is the property of Gotyourcredit.com LLC and its licensors and protected by United States and international copyright laws. Except as set out in these Terms, no reproduction of any Gotyourcredit.com LLC-originated content is permitted without written permission from Gotyourcredit.com LLC.

User-posted content is copyrighted, and any use or reproduction of user-posted content must comply with the terms of the respective license(s) and must include a label indicating such license.

VEHICLE INFORMATION WARRANTY/LIABILITY 

The information on vehicles provided in this service is supplied by the seller or other third parties; Gotyourcredit.com LLC is not responsible for the accuracy of such information. Gotyourcredit.com LLC provides this service and materials without representations or warranties of any kind, either expressed or implied. All prices and specifications are subject to change without notice. Prices may not include additional fees such as government fees and taxes, title and registration fees, finance charges, dealer document preparation fees, processing fees, and emission testing and compliance charges.

CAR LOAN APPLICATIONS 

Upon submitting a car loan application on the Gotyourcredit.com LLC site, Gotyourcredit.com LLC will attempt to place the application with a member of the Gotyourcredit.com LLC lending network and a confirmation email that includes a link to access the loan application status is sent out. After the initial processing time (typically 1-3 business days), another email indicating whether or not the application has been placed is sent out. If the application is placed, the consumer is contacted by phone by the lender or dealer.

By submitting a car loan application, you certify that all of the statements in your application are true and complete and are made for the purpose of obtaining credit. You authorize the Gotyourcredit.com LLC Network to share your application and related information with its lending partners in order to complete the processing of the application. You authorize the Gotyourcredit.com LLC Network and its lending partners to retain and rely on your application and to access your credit report in order to evaluate your credit application. You authorize the Gotyourcredit.com LLC Network and its lending partners to contact your employer for purpose of verifying your stated employment and income. In addition, you acknowledge that you have read and agree to the Gotyourcredit.com LLC privacy policy. By submitting the car loan application form, you are providing express written consent to Gotyourcredit.com LLC, its lending partners, and its third party associates to contact you at the phone number provided via live, prerecorded or autodialed calls or text and understand that consent is not a condition of purchase. You further authorize Gotyourcredit.com LLC Network’s third party lending institutions to share information in your application, and any other credit information they obtain, with other third parties who may be able to offer or arrange for a direct loan and/or dealer financing.

CALIFORNIA RESIDENTS: If married, you may apply for credit separately as an individual.

MAINE RESIDENTS: You have free choice in the selection of the agent and insurer through or by which the insurance in connection with the requested loan is to be placed. Your decision to obtain any insurance product from an agent, broker or insurer of your choice will not affect the credit decision unless the insurance product you choose does not comply with the lender’s reasonable requirements.

NEW HAMPSHIRE RESIDENTS: If you are applying for a balloon payment contract, upon request and before entering into the balloon payment contract, you are entitled to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. A balloon contract is an installment sale contract with a scheduled final payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

RHODE ISLAND RESIDENTS: Credit Reports may be obtained in connection with this application for credit.

VERMONT RESIDENTS: You authorize Dealer and any financial service provider with whom this application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your application is approved and credit is granted, you also authorize the parties granting credit and/or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 applied to marital property adversely affects our interest unless you furnish a copy of such agreement, statement, or decree to us or we have actual knowledge of such adverse provision before credit is granted.

Gotyourcredit.com LLC strongly encourages consumers to get and check their credit report, it is not a requirement for submitting a loan application or for being placed within the Gotyourcredit.com LLC network of lenders and dealers.

Gotyourcredit.com LLC

2. Telephone Consumer Protection Act

I consent and agree that Gotyourcredit.com LLC (and its affiliates, agents, assigns and service providers) may monitor and record telephone calls regarding my account to assure the quality of service or for other reasons. To call or text my cell phone .

3. Consumer Credit Report Disclosure

By clicking the “APPLY NOW ” button, you certify the truth and completeness of the information provided and that you are at least 18 years of age. You agree that we (and the dealer) may obtain credit reports about you to process your application and for legitimate purposes related to any  auto loan you might receive (such as reviewing, collecting, and servicing the loan). Upon your request, we will inform you whether we requested credit report and provide the name and address of the consumer reporting agency that furnished the report. You also agree that we may verify your employment, income, and any other relevant information related to your application, and that we will retain the application whether or not credit is extended. You understand that a preapproval of a  auto loan may only be available for preapproved applicants who purchase automobiles from the inventory of participating dealers.

CONSENT FOR ELECTRONIC DOCUMENTS. Electronic Signatures in Global and National Commerce Act: 

You are submitting a Vehicle Finance application (“Application”). To continue this process, our Finance Partners must provide you certain notices, documents, information and disclosures related to your Application electronically (“Electronic Documents”). By reading this Consent for Electronic Documents, you agree that you have been informed of your rights when receiving these Electronic Documents. By agreeing to receive Electronic Documents, you acknowledge receipt of this Consent for Electronic Documents, and agree to receive Electronic Documents via the internet to the e-mail address designated on your Application. You need to contact the Finance Partner if you would like such records to be provided on paper or in non-electronic form. Hardware and Software requirements

Before choosing to receive Disclosures electronically, you must decide if you have the necessary hardware and software to access and store these Electronic Disclosures. To obtain electronic Disclosures, you will need a personal computer or other device that can access the Internet, Adobe Acrobat Reader software, and a working electronic mail address. To store electronic Disclosures, your computer or access device must allow you either to download and store electronic Disclosures to the computer, access device, or another media storage device or to print web pages and embedded HTML files that are provided electronically. To verify that you have the necessary hardware and software, try to save or print a copy of this screen. If what you save looks like what you see on the screen, you have the necessary hardware and software.

You may withdraw your consent by contacting us at Gotyourcredit.com LLC. or calling us at 734-231-4929, however, if we have already forwarded your application to a Financial Partner you must also withdraw your consent from the Financial Partner when they contact you. If you withdraw your consent, the legal validity and enforceability of previously transmitted Electronic Documents will not be affected, and you will not have the option to later receive your Electronic Documents via electronic means.

Consent and Acknowledgment: 

BY CLICKING ANY SUBMIT BUTTON TO SEND AN APPLICATION TO Gotyourcredit.com LLC, YOU HEREBY ACKNOWLEDGE YOU CAN ACCESS ELECTRONIC DOCUMENTS, AND YOU CONSENT TO HAVING ELECTRONIC DOCUMENTS PROVIDED TO YOU ELECTRONICALLY VIA E-MAIL.

GENERAL WARRANTY/LIABILITY 

Gotyourcredit.com LLC PROVIDES THE SITE AND SERVICES “AS IS” AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. Gotyourcredit.com LLC SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, INFORMATION ACCURACY, INTEGRATION, INTEROPERABILITY OR QUIET ENJOYMENT. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

You understand and agree that you use the site and services at your own discretion and risk and that you will be solely responsible for any damages that arise from such use. UNDER NO CIRCUMSTANCES SHALL Gotyourcredit.com LLC BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, OR ANY OTHER DAMAGES WHATSOEVER (HOWEVER ARISING, INCLUDING BY NEGLIGENCE), INCLUDING WITHOUT LIMITATION, DAMAGES RELATED TO USE, MISUSE, RELIANCE ON, INABILITY TO USE AND INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SITE OR SERVICES, DAMAGES INCURRED THROUGH ANY LINKS PROVIDED ON THE SITE AND THE NONPERFORMANCE THEREOF AND DAMAGES RESULTING FROM LOSS OF USE, SALES, DATA, GOODWILL OR PROFITS, WHETHER OR NOT Gotyourcredit.com LLC HAS BEEN ADVISED OF SUCH POSSIBILITY. YOUR ONLY RIGHT WITH RESPECT TO ANY DISSATISFACTION WITH THIS SITE OR SERVICES OR WITH Gotyourcredit.com LLC SHALL BE TO TERMINATE USE OF THIS SITE AND SERVICES. Some states do not allow the exclusion of liability for incidental or consequential damages, so the above exclusions may not apply to you.

DISCLAIMER 

Testimonials or endorsements do not constitute a guarantee, warranty, or prediction regarding the outcome of a loan, refinance, insurance, or warranty application. Testimonials provided on the web site are those of actual clients. Testimonial photos are stock photography and not actual clients.

OTHER

Gotyourcredit.com LLC and you are independent entities, and nothing in the Terms, or via use of the Site or Services, will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between Gotyourcredit.com LLC. and you.

These Terms supersede any previous agreement and represent the entire agreement between Gotyourcredit.com LLC and you. These Terms are governed by the laws of the State of Michigan without

reference to conflict of laws principles. If any provision of the Terms is adjudged to be illegal or unenforceable, the continuation in full force of the remainder of the Terms will not be prejudiced, and the illegal or unenforceable provision of the Terms shall be severed accordingly. Any notices must be sent to Gotyourcredit.com LLC in English at: request [at] Gotyourcredit.com LLC