1. Introduction & Agreement to Terms

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These Terms and Conditions ("Terms," "Agreement") govern your access to and use of the AutoConnect AI Predictive Solutions, LLC website, web application, mobile application, and related services (collectively, the "Services" or the "Platform") operated by AutoConnect AI Predictive Solutions, LLC ("AutoConnect AI," "we," "us," or "our"), a limited liability company registered in the United States. The Services provide AI-driven predictive credit modeling, lead generation and scoring, vehicle-to-consumer matching, lender network matching, financing optimization, and integration with third-party automotive Customer Relationship Management ("CRM") and Dealer Management Systems for automobile dealerships and related automotive businesses. By accessing or using the Services in any manner, whether as a visitor, registered user, customer, or authorized dealer representative, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Services. If you are accepting these Terms on behalf of a business entity (such as a dealership or dealer group), you represent and warrant that you have the legal authority to bind that entity to these Terms, and the terms "you" and "your" will refer to both you and that entity.

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2. Definitions

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"Customer" or "Dealer" means the dealership, dealer group, or automotive business that has subscribed to the Services. "Consumer" means an individual whose information (including credit-related data) is processed through the Services in connection with a potential vehicle purchase or financing application. "Lead" means a Consumer record created, imported, or generated within the Platform representing a potential vehicle buyer. "AI Models" means the predictive algorithms, credit scoring models, lead scoring models, vehicle matching models, and lender matching models provided as part of the Services. "CRM Integration" means the connection between the Services and a third-party CRM or Dealer Management System, including but not limited to DealerTrack, Reynolds and Reynolds, VinSolutions, e-Lead, and CDK. "Subscription Plan" means the pricing tier selected by the Customer, as described on the Pricing page of the Platform.

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3. User Accounts & Registration

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To access most features of the Services, you must register for an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are solely responsible for maintaining the confidentiality and security of your account credentials and for all activities that occur under your account. You agree to immediately notify AutoConnect AI of any unauthorized use of your account or any other security breach. AutoConnect AI reserves the right to suspend or terminate any account that is found to be in violation of these Terms, that engages in fraudulent activity, or that poses a security risk to the Services or other users. Each dealership or dealer group is responsible for managing user access within its organization, including adding, removing, and assigning roles to its authorized users.

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4. Subscription Plans, Billing & Payment

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The Services are offered under several subscription tiers, currently including Starter ($599/month), Professional ($999/month), Growth ($1,999/month), Enterprise ($2,499/month), and Ultimate ($3,000/month). All prices are in U.S. dollars. AutoConnect AI reserves the right to change pricing upon reasonable notice, with any changes taking effect at the start of the next billing cycle following notice. Subscriptions are billed on a recurring monthly or annual basis, depending on the billing cycle selected by the Customer. Annual billing includes a discount as displayed on the Pricing page. Payments are processed in advance for each billing period. Unless otherwise stated, all fees are non-refundable. If you upgrade or downgrade your plan mid-cycle, prorated adjustments or charges may apply. Downgrades take effect at the start of the next billing cycle. You authorize AutoConnect AI to charge your designated payment method for all subscription fees and applicable taxes. If a payment fails, AutoConnect AI may suspend access to the Services until payment is received. AutoConnect AI is not responsible for any fees charged by third-party CRM providers, credit bureaus, or other external services that you connect to or use in conjunction with the Platform.

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5. License to Use the Services

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Subject to your compliance with these Terms and your continued payment of applicable fees, AutoConnect AI grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes during the term of your subscription. You may not: (a) copy, modify, or create derivative works of the Services; (b) reverse engineer, decompile, or otherwise attempt to extract source code; (c) resell, sublicense, lease, or rent the Services to third parties; (d) use the Services to build a competing product; or (e) remove or alter any proprietary notices. The Services are licensed, not sold. AutoConnect AI retains all right, title, and interest in and to the Services, including all intellectual property rights.

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6. Acceptable Use & Prohibited Conduct

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You agree not to use the Services to: (a) violate any applicable law, regulation, or industry standard, including the Fair Credit Reporting Act ("FCRA") and Equal Credit Opportunity Act; (b) upload, store, or process Consumer data that you do not have the legal right to possess or process; (c) discriminate against any Consumer based on race, color, religion, national origin, sex, marital status, age, or other protected characteristic; (d) attempt to gain unauthorized access to any part of the Services, other accounts, or computer systems or networks connected to the Services; (e) introduce malware, viruses, or harmful code; (f) interfere with or disrupt the Services; or (g) scrape, harvest, or collect data from the Services in an automated manner. AutoConnect AI reserves the right to investigate and take appropriate legal action against any conduct that it believes violates these Terms or applicable law.

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7. Consumer Data, Privacy & FCRA Compliance

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You are solely responsible for the accuracy, legality, and completeness of all Consumer data you upload, import, or process through the Services. You represent and warrant that you have obtained all necessary consents and authorizations required to collect, use, and share such Consumer data, including any disclosures required under applicable privacy laws such as the Gramm-Leach-Bliley Act, the California Consumer Privacy Act, and similar state and federal laws. The Services are not a Consumer Reporting Agency as defined by the FCRA. The AI-generated credit scores, predicted approval rates, and other credit-related outputs produced by the Platform are predictive estimates based on the data you provide and are not consumer reports. You must not use the Services as a substitute for a consumer report obtained from a Consumer Reporting Agency for any purpose that requires an FCRA-compliant report. You are responsible for ensuring that your use of Consumer data complies with all applicable fair lending laws and that any credit-related decisions are made in accordance with applicable law, including providing required disclosures and adverse action notices where applicable. AutoConnect AI acts as a data processor with respect to the Consumer data you submit. The processing of personal data is further described in our Privacy Policy, which is incorporated into these Terms by reference.

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8. AI Models & Credit Predictions Disclaimer

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The AI Models used by the Services generate predictions, scores, and recommendations based on statistical analysis and machine learning techniques. These outputs are estimates and are not guaranteed to be accurate, complete, or predictive of any actual outcome, including actual credit decisions by lenders, actual approval of financing, or actual Consumer behavior. AutoConnect AI does not guarantee that any Consumer will be approved for financing, that any vehicle match will result in a sale, or that any lender will extend an offer. All AI-generated outputs should be reviewed by qualified personnel before being relied upon in any business decision. You acknowledge that AI Models may produce biased, incomplete, or erroneous outputs and that you use such outputs at your own risk. AutoConnect AI is not liable for any decisions made in reliance on AI-generated predictions. You must not present AI-generated credit scores or predictions to Consumers as official credit scores or as guaranteed financing outcomes.

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9. CRM Integrations & Third-Party Services

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The Services may integrate with third-party CRM and Dealer Management Systems, including DealerTrack, Reynolds and Reynolds, VinSolutions, e-Lead, CDK, and many more. These integrations are subject to the terms, availability, and limitations of the respective third-party providers. AutoConnect AI does not control and is not responsible for the availability, accuracy, or functionality of any third-party CRM or external service. Any data synced to or from a third-party CRM is done so at your direction and risk. You are responsible for ensuring that you have the necessary rights, licenses, and authorizations to connect to and exchange data with any third-party CRM. AutoConnect AI is not liable for any disruption, data loss, or error caused by a third-party provider. AutoConnect AI may modify or discontinue support for specific CRM integrations at any time with reasonable notice, and the availability of particular integrations may vary by Subscription Plan.

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10. Intellectual Property

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All content, features, and functionality of the Services, including the AI Models, text, graphics, logos, designs, software, and the AutoConnect AI Predictive Solutions name and branding, are the exclusive property of AutoConnect AI Predictive Solutions, LLC and its licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws. You retain ownership of the Consumer data and business data you submit to the Services. By submitting such data, you grant AutoConnect AI a limited license to process, store, and use your data solely as necessary to provide and improve the Services. AutoConnect AI may use aggregated, de-identified, and anonymized data derived from the use of the Services to improve its AI Models, develop new features, and for analytics purposes, provided that such data cannot be used to identify any individual Consumer or Customer.

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11. Disclaimers of Warranties

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The Services are provided on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permitted by law, AutoConnect AI disclaims all warranties, whether express, implied, or statutory, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. AutoConnect AI does not warrant that the Services will be uninterrupted, error-free, secure, or that AI-generated predictions will be accurate or reliable. Any reliance on the Services or any output produced by the Services is at your sole risk. No advice or information, whether oral or written, obtained from AutoConnect AI or through the Services, creates any warranty not expressly stated in these Terms. 

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12. Limitation of Liability

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To the fullest extent permitted by applicable law, in no event shall AutoConnect AI Predictive Solutions, LLC, its officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, business, or goodwill, arising out of or related to your use of the Services. In no event shall AutoConnect AI's total aggregate liability arising out of or related to these Terms or the Services exceed the total amount you have paid to AutoConnect AI for the Services in the twelve (12) months preceding the event giving rise to the liability. The limitations and exclusions in this section apply even if AutoConnect AI has been advised of the possibility of such damages and regardless of the legal theory upon which the claim is based.

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13. Indemnification

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You agree to indemnify, defend, and hold harmless AutoConnect AI Predictive Solutions, LLC and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or third-party rights, including Consumer privacy and fair lending laws; or (d) any data you submit to the Services. AutoConnect AI reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with AutoConnect AI in asserting any available defenses.

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14. Term, Suspension & Termination

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These Terms are effective upon your first use of the Services and remain in effect until terminated. You may terminate your subscription at any time by discontinuing use of the Services and following the cancellation process provided in your account settings or by contacting us. AutoConnect AI may suspend or terminate your access to the Services immediately, without notice, if you breach these Terms, if your account is inactive, or if required by law. AutoConnect AI may also terminate or discontinue the Services, or any part of them, with reasonable notice. Upon termination, your right to use the Services ceases. You should export any data you wish to retain before termination, as AutoConnect AI may delete your data after a reasonable period following termination. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and governing law) shall remain in effect.Termination of your subscription does not entitle you to a refund of fees already paid, except where required by law or as expressly stated in these Terms.

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15. Governing Law & Dispute Resolution

These Terms and any dispute arising out of or related to them or the Services shall be governed by and construed in accordance with the laws of the State in which AutoConnect AI Predictive Solutions, LLC is registered, without regard to its conflict of law provisions. Before initiating formal proceedings, the parties agree to attempt in good faith to resolve any dispute through informal negotiation. If the dispute cannot be resolved within thirty (30) days, it shall be submitted to binding arbitration, except for matters that may be properly resolved in small claims court. You agree that any arbitration or legal proceeding shall be brought exclusively in the jurisdiction where AutoConnect AI is registered, and you consent to the personal jurisdiction of those courts. You waive any right to a jury trial and the right to participate in a class action.

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16. Changes to These Terms

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AutoConnect AI reserves the right to modify or replace these Terms at any time. If a revision is material, we will provide reasonable notice prior to the new terms taking effect, such as by posting a notice on the Platform or sending a notification to your registered email address. By continuing to access or use the Services after revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Services and cancel your subscription. The "Last updated" date at the top of this page indicates when these Terms were last revised.

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17. Contact Information

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If you have any questions, concerns, or requests regarding these Terms or the Services, please contact AutoConnect AI Predictive Solutions, LLC through the contact information provided in your account or on the Platform.For legal inquiries, please direct correspondence to the legal department of AutoConnect AI Predictive Solutions, LLC. We will make reasonable efforts to respond to your inquiry in a timely manner.

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