NationalCarAndLoan.com (“the Web Site”) is a Web Site owned and operated by National Car And Loan, LLC. Set forth in this document are the terms and conditions that apply to both your access to, and your use of information, content, products and services available through the Web Site.
General Terms and Responsibilities
We reserve the right to solely determine to refuse service, terminate accounts, and/or cancel orders at our discretion, including, but not limited to, if we believe that the conduct of any customer and/or user violates applicable law or is harmful to the interests of National Car And Loan, LLC, its owners, users, licensors, licensees, partners, or affiliates.
Use of The Web Site Is at Your Own Risk
The information, services, content, and material made available through The Web Site is for informational purposes only. The content, data, information, tools, and materials (“Content”) from, and the products and services available through, the Web Site are solely for your personal use and may not be used for commercial purposes. Before acting on any content you have found on the Web Site, you should obtain independent confirmation of any information, content, or facts that are part of your decision. YOU EXPRESSLY AGREE THAT, IF YOU CHOOSE TO RELY ON ANY CONTENT, PRODUCT, OR SERVICE MADE AVAILABLE THROUGH THE WEB SITE, YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR RESULTING FROM YOUR USE OF ANY CONTENT, PRODUCT, OR SERVICE.
The Web Site may also provide advertising for products or services offered by third-party vendors, either from third-party web sites or using other sales channels. National Car And Loan, LLC does not warrant, guarantee, or insure any advertised item or the completion of any transaction. In addition, and without limiting the forgoing, National Car And Loan, LLC does not collect or process payments, act as an escrow service, or transfer title, nor do we manufacture, warehouse, store, ship or deliver any item that is advertised. YOU EXPRESSLY AGREE THAT, IF YOU CHOOSE TO DO BUSINESS WITH, OR PURCHASE ANY PRODUCT OR SERVICE FROM, ANY ADVERTISER ON THE WEB SITE, YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR THAT RESULTS FROM YOUR PURCHASE OR USE OF ANY PRODUCT, OR SERVICE MADE AVAILABLE FROM SUCH ADVERTISERS.
Links to Third-party Web Sites
The Web Site may make references to third-party web sites or provide links to such third-party web sites that have no affiliation with National Car And Loan, LLC and which are not operated by National Car And Loan, LLC. These links allow you to leave the Web Site, or open a browser window that will allow you to access the third-party web site. National Car And Loan, LLC is not responsible for the content of these third-party sites and shall not be liable for any damages or injury arising from any content from those third-party sites or your use, reliance on, or access to such third-party sites and any associated content. Links to third-party sites are provided to users of the Web Site for convenience of reference, and such links do not in any way imply endorsement by National Car And Loan, LLC of any or all of these third-party sites or the content provided by these sites. National Car And Loan, LLC disclaims all liability with regard to your choosing to access such linked or referenced web sites. Access to any other Internet web sites linked to the Web Site is solely at your own risk. By using this site you acknowledge and agree that National Car And Loan, LLC is not responsible for the availability of services or products offered by, or the content located on, any such third-party web site.
Collection and Use of Customer Data
Express Consent to be Contacted under the Telephone Consumer Protection Act (TCPA)
You acknowledge and agree that by filling out the required data and pressing any of the submit buttons, you give express consent to NationalCarAndLoan.com and up to five (5) lenders, auto dealers, and/or other affiliates to contact you to help with processing your financing request and/or to provide other relevant offers. You also give express consent that NationalCarAndLoan.com and these lenders, dealers, and/or other affiliates may contact you using automated dialing systems, text messages, automated and/or pre-recorded messages to any of the phone numbers provided by you even if the phone number(s) is/are on any corporate, state, or federal “Do Not Call” list. Note that consent is not required to receive services but it may be more difficult for NationalCarAndLoan.com to place your financing application if you choose to decline this consent using the “decline” option on the NationalCarAndLoan.com application form.
You acknowledge and agree that by filling out the required data on the Web Site form, and by submitting an Application through the Web Site you are affirming on behalf of the stated Applicant(s) the following: “I authorize any and all credit/finance partners and its employees, agents and potential assignees to access, obtain and verify information about me (including one or more credit reports, information about my employment and banking, and credit relationships) that any of them may deem necessary or appropriate in evaluating my Application. If my Application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate purpose. I further understand that multiple credit reports may be obtained by multiple credit/finance partners in an attempt to process my Application.” I understand that by checking the box “A cosigner is available if necessary” that I may be asked to provide additional information about the cosigner and the cosigner will be asked to provide authorization to access and obtain the cosigner’s credit report.
Data Security Measures
The Web Site uses reasonable electronic, procedural, and physical methodologies to protect, safeguard, and help prevent unauthorized access to user data.
WHILE WE BELIEVE THESE EFFORTS TO BE REASONABLE TO HELP ENSURE THE CONFIDENTIALITY OF YOUR PRIVATE AND PERSONAL INFORMATION, NATIONAL CAR AND LOAN, LLC DOES NOT WARRANT AND DOES NOT GUARANTEE THE ABSOLUTE SAFETY AND SECURITY OF CONFIDENTIAL DATA ON THE INTERNET.
You agree not to submit, post, or in any way transmit through the Web Site or any associated message boards, forums, blogs, chat rooms, or listings, any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, defamatory, invasive of privacy or publicity rights, obscene, profane, misleading, fraudulent or otherwise objectionable, that encourages conduct that would constitute a criminal offense or give rise to civil liability or otherwise violate any law, or that, without our express prior approval, contains advertising or solicitation messaging.
All content displayed on the Web Site including all text, video, graphics, images, as well as all software, data and information used to provide the Web Site as well as all patents, copyrights, trademarks, and other intellectual property rights therein or thereto, are owned by National Car And Loan, LLC.
This Web Site contains certain trademarks, copyrighted works, and service marks owned by National Car And Loan, LLC. You agree that you will not use or copy, alter, or otherwise in any way infringe upon these trademarks, copyrighted works, or service marks.
You are prohibited from, in any way, disassembling or decompiling, reverse engineering, or otherwise attempting to discover any source code contained in the Web Site or doing so to any of the services offered by the Web Site. You may not reproduce, modify, distribute, display, or in any other way use the Web Site or any elements thereof for any purpose without the express written consent of National Car And Loan, LLC.
You also may not mirror, frame, or employ other techniques to frame, enclose, or in any way display The Web Site, or any trademark, service mark, logo, copyrighted work, content, form, or other proprietary information, including video, images, text, or page layout that is displayed or included on The Web Site, with any third-party content or software. You expressly agree that you will not use The Web Site or any material or information from The Web Site for commercial purposes.
Any use of meta tags or any other “hidden text” utilizing the names, service marks, copyrights, or trademarks of National Car And Loan, LLC is strictly prohibited without receiving express written consent. You are prohibited from, in any way, disassembling or decompiling, reverse engineering, or otherwise attempting to discover any source code contained in the Web Site or doing so to any of the services offered by the Web Site.
In addition, and without limiting the generality of the other restrictions set forth in this document, you are also prohibited from accessing, copying, or monitoring any information or content of The Web Site using any automated means including using scrapers, robots, deep links, spiders, crawlers, or any other algorithm, methodology, or device or any manual process for any purpose whatsoever.
Disclaimer of Warranties
THE WEB SITE AND ALL CONTENT, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEB SITE ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. YOU AGREE TO THIS AND ALSO AGREE THAT YOUR USE OF THE WEB SITE AND ALL CONTENT, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEB SITE IS ENTIRELY AT YOUR OWN RISK.
Neither National Car And Loan, LLC, nor any of its owners, partners, affiliates, licensors, or licensees warrant that the Web Site or the server that makes it available are free of viruses or other harmful elements, will provide uninterrupted service, or are error-free in regard to content, nor does National Car And Loan, LLC make any warranty as to the results that may be obtained from the use of the Web Site, or as to the completeness, accuracy, or reliability of the information or of any content, product or service provided or made available through the Web Site. You agree that, as with any online service, content omissions, service interruptions, delays, information inaccuracy, typographical errors, and/or other problems with the content, products and services available through, published on, or promoted via the Web Site are inevitable.
WITHOUT LIMITATION TO THE GENERALITY OF THE FOREGOING, NATIONAL CAR AND LOAN, LLC, ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS AND LICENSEES SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED BY STATUTE OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Limitations of Liability
NEITHER NATIONAL CAR AND LOAN, LLC, NOR ANY OF ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR LICENSEES SHALL HAVE ANY LIABILITY FOR ANY OR ALL ERRORS, OMISSIONS, INACCURACIES, OR ANY OTHER DEFECTS IN THE INFORMATION PROVIDED ON THE WEB SITE. IN NO EVENT SHALL NATIONAL CAR AND LOAN, LLC, ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR ITS LICENSEES OR PROVIDERS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, OTHER THAN DIRECT DAMAGES, ARISING OUT OF YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, THE WEB SITE OR ANY CONTENT, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR SIMILAR DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST REVENUES OR PROFITS, OR LOSS OF BUSINESS OR DATA, EVEN IF NATIONAL CAR AND LOAN, LLC OR ANY SUCH OTHER PERSON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You also acknowledge and agree that, without limitation to the foregoing, the entire liability, if any, of National Car And Loan, LLC, its owners, partners, affiliates, licensors and licensees arising out of any kind of legal claim, whether in contract, tort or under any other legal theory, arising out of your access to, or use of, or inability to use, the Web Site or any content, products or services made available through the Web Site will not exceed the amount that you paid to National Car And Loan, LLC, if any, for (i) the use of this Web Site or (ii) such information, products or services.
Because some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, the previous disclaimer, exclusion, and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.
Release and Indemnification
Violations of this Term of Use
Information we have about you, which may include your identity, may be disclosed by us to others if, in our sole judgment, we determine that such disclosure is necessary in connection with a complaint or investigation with regard to your use of the Web Site. We may also disclose information about you in order to contact you or bring legal action against you, or any other person, who may be causing injury to National Car And Loan, LLC, our general rights or property, or the rights or property of visitors, users, or customers of the Web Site. At all times we reserve the right to disclose any information that is deemed necessary when we determine that applicable law requires or permits such disclosure, including exchanging information with other organizations for the purposes of fraud protection and prevention.
Permission is granted to electronically copy and/or to print portions of the Web Site for the sole purpose of placing an order for products or services offered on the Web Site. Any and all other uses of materials provided on this site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication is strictly prohibited without prior written permission of National Car And Loan, LLC. Any trademarks, trade names, or service marks owned by third parties are trademarks, trade names, or service marks of their respective companies.
The Web Site web site is owned and operated by National Car And Loan, LLC. Unless otherwise specified, all content, materials, and information appearing on this Web Site, including site design, text, graphics, logos, images, icons interfaces, and the selection, assembly and arrangements thereof are the sole property of National Car And Loan, LLC, © 2011 National Car And Loan, LLC, ALL RIGHTS RESERVED.
Applicable Law and Venue
You acknowledge and agree that you shall use the Web Site, any associated Interaction Services, and the content, products, and services available through the Web Site for lawful purposes only.
You acknowledge and agree that any and all causes of action arising out of, or relating to the use of, the Web Site or the Interaction Services, content, products or services that are or may be made available through the Web Site shall be resolved on an individual basis, without resorting to class action in any form.
You acknowledge and agree that all electronic communications, including notices, disclosures, and other information that are provided to you by us satisfy any and all legal requirements that such communications be in writing.
Consent for SMS/Texting
If a mobile number is provided on our application, one or more related lenders, auto dealers, affiliats, and/or NationalCarAndLoan.com may text you information about your application or about other information requests made by you. NationalCarAndLoan.com, its related lenders or auto dealers do not charge to send or receive text messages as part of our application process. However, messages and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.
Once your mobile device has been activated, you may text STOP to the Common Short Code (“CSC”) number (CSC is either a five or six digit number) on your mobile device to opt-out of this service regarding the status of your application. Supported mobile service providers include: Alltel (part of Verizon), Appalacian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless
We may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms in our Agreement of Use from time to time without notice. Please review this Agreement of Use from time to time so that you are timely notified of any changes.
Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. You obligation under this paragraph shall survive termination of the Agreement of Use, SMS Statement Notification are provided for your convenience only.
Questions or Concerns
Please contact us at firstname.lastname@example.org should you have any questions about this agreement.
We recommend you print and retain a copy of this document for your records.