Originally Effective: Jan 1, 2006

Current Version Effective: Sep 30, 2025

IMPORTANT — PLEASE READ CAREFULLY BEFORE USING THE SERVICE.

These Terms of Use (“Agreement” or “Terms”) constitute a legally binding agreement between you and Integex Solutions Inc., a New York corporation doing business as “AutoFunds” (“AutoFunds,” “we,” “us,” or “our”). By clicking “I Agree,” creating an account, or accessing or using the AutoFunds platform, you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety.

If you are accepting this Agreement on behalf of a business entity, you represent and warrant that you have the legal authority to bind that entity to these Terms. Your acceptance binds the entity, all of its authorized users, and you individually.

If you do not agree to these Terms, do not access or use the Service.

Section 1 — Definitions and Interpretation

For purposes of this Agreement, the following terms shall have the meanings set forth below:

“Account” means the user profile created and maintained by or for you to access and use the Service, including all credentials, configurations, and associated data.

“Affiliate” means any entity that controls, is controlled by, or is under common control with Integex Solutions Inc., where “control” means the direct or indirect ownership of more than fifty percent (50%) of the voting interests of the entity.

“Authorized User” means any individual whom you have authorized to access the Service under your Account. You are fully responsible for all acts and omissions of your Authorized Users.

“Confidential Information” means non-public business, financial, or technical information disclosed by either party that is designated as confidential or that should reasonably be understood to be confidential given the nature of the information and the circumstances of disclosure, including without limitation business methods, product roadmaps, pricing, platform features, software code, algorithms, documentation, designs, trade secrets, integration details, and customer or partner information.

“Consumer” means any individual whose personal information is collected, processed, or stored through the Service in connection with a vehicle purchase, financing, trade-in, or other dealership transaction.

“Consumer Data” means any information relating to a Consumer that is collected, submitted, transmitted, or stored through the Service, including personal information, financial data, credit information, and transaction records.

“Controller” means the party that determines the purposes and means of processing personal information. With respect to Consumer Data, the Dealer is the Controller.

“Dealer” means a licensed automobile dealership that subscribes to the Service and whose authorized representative has accepted this Agreement.

“Derived Data” means data that has been de-identified and aggregated such that it does not identify any individual, Dealer, or Consumer, and which is derived from User Content or usage of the Service.

“Nonpublic Personal Information” or “NPI” means personally identifiable financial information as defined under the Gramm-Leach-Bliley Act (15 U.S.C. § 6809(4)) and its implementing regulations, including information provided by a Consumer on a credit application, information about a Consumer resulting from a transaction, and any list or description derived from such information.

“Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household, as defined under applicable state privacy laws.

“Processor” means the party that processes personal information on behalf of the Controller. With respect to Consumer Data, AutoFunds acts as a Processor.

“Service” means the AutoFunds software-as-a-service platform, including all web applications, mobile applications, APIs, websites, tools, integrations, data access layers, content, documentation, and support services made available to you by AutoFunds, including any updates, upgrades, or modifications thereto.

“Sub-processor” means any third party engaged by AutoFunds to process Consumer Data on behalf of the Dealer in connection with the Service.

“Third-Party Service” means any website, platform, software, integration, application, or vendor system that is not owned or controlled by AutoFunds but that is made available through or connected to the Service.

“User Content” means any text, data, files, records, vehicle information, communications, or other materials uploaded, posted, transmitted, or submitted to the Service by you or your Authorized Users.

Section 2 — Acceptance, Eligibility, and Account Creation

2.1 Clickwrap Acceptance

By clicking “I Agree” or any similar affirmative button presented at login or registration, you expressly agree to be legally bound by this Agreement, the AutoFunds Privacy Policy (available at www.autofunds.com/privacy-policy), and any supplemental terms presented when activating specific features or integrations.

AutoFunds records and retains evidence of your acceptance, including the date, time, user identity, IP address, and version of the Agreement accepted. This record constitutes conclusive evidence of your agreement.

2.2 Entity Binding

If you are the first Authorized User to accept this Agreement on behalf of a Dealer or business entity, your acceptance binds the entity and all of its current and future Authorized Users. The Dealer is responsible for ensuring that all Authorized Users are aware of and comply with this Agreement.

2.3 Eligibility

You may use the Service only if you: (a) are at least eighteen (18) years of age or the age of majority in your jurisdiction; (b) are a duly authorized representative of a licensed automobile dealership, lender, vendor, or business user in the United States or its territories; (c) are not a person barred from receiving services under applicable U.S. laws; and (d) are capable of entering into legally binding contracts under applicable law.

2.4 Account Registration and Security

To access the Service, you must register for an Account and provide true, complete, and current information. You agree to maintain and promptly update your Account data. You are responsible for maintaining the confidentiality of your login credentials and are fully responsible for all activities that occur under your Account.

Each login credential is issued to a specific individual. Sharing, reassigning, or transferring credentials is strictly prohibited and may result in immediate suspension or termination. You must notify AutoFunds immediately at support@autofunds.com if you suspect unauthorized use of your Account.

2.5 Continued Acceptance

AutoFunds may update this Agreement from time to time. We will notify you of material changes through the platform interface, email, or other reasonable means. Your continued use of the Service after the effective date of any update constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Service.

Section 3 — Scope of Service and License Grant

3.1 License Grant

Subject to your compliance with this Agreement, AutoFunds grants you a non-exclusive, non-transferable, revocable, limited license to access and use the Service solely for your internal business operations as a licensed automobile dealer, lender, or authorized service provider operating in the United States or its territories. This license includes the right to download, print, and use system-generated forms, documents, and reports produced through the Service for use in connection with your legitimate business transactions with consumers, lenders, and vendors.

3.2 Description of Service

The Service is a software-as-a-service (SaaS) platform that enables automobile dealerships and affiliated businesses to manage operational, sales, financing, compliance, and customer data through a centralized web-based and mobile platform. The Service may include, without limitation: dealership management tools, credit application submission workflows, inventory and vehicle valuation tools, integrations with financing sources and data providers, document management and generation, analytics and reporting, customer relationship management, communication tools, and dealer website hosting.

3.3 Modifications to Service

AutoFunds reserves the right to modify, enhance, update, or discontinue any feature or functionality of the Service at its discretion. We will use commercially reasonable efforts to provide advance notice of material changes that may significantly impact your use of the Service.

3.4 Geographic Limitations

The Service is intended for use by businesses whose principal operations are located within the United States and its territories. AutoFunds makes no representations that the Service is appropriate or available for use outside of these regions.

3.5 Restrictions

Use of the Service for personal, consumer, or non-business purposes is prohibited. You may not resell, lease, sublicense, or provide access to the Service to any third party without AutoFunds’ prior written consent.

3.6 Electronic Signature and Electronic Records

The Service does not currently include electronic signature functionality. If AutoFunds introduces electronic signature or electronic record features in the future, use of such features will be subject to supplemental terms presented at the time of activation. Any electronic signature or electronic record functionality will be designed to comply with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and applicable state electronic transactions laws, including the Uniform Electronic Transactions Act (UETA) as adopted in your jurisdiction. You will be responsible for obtaining all required consumer consents for the use of electronic records and electronic signatures in accordance with applicable law.

3.7 Mobile Application

If you or your Authorized Users access the Service through AutoFunds’ mobile application, the following additional terms apply: (a) you will ensure that all devices used to access the Service are protected by device-level security, including passcode, biometric lock, or equivalent access control; (b) you will notify AutoFunds immediately at support@autofunds.com if any device with access to the Service is lost, stolen, or compromised, so that AutoFunds may initiate remote session termination; (c) you acknowledge that the mobile application may cache limited data on the device to support offline functionality, and you are responsible for ensuring that cached data is not accessible to unauthorized individuals; (d) you will not disable, circumvent, or modify any security features of the mobile application, including encryption, session timeout, or authentication requirements; and (e) you acknowledge that push notifications from the Service are designed to avoid displaying Consumer personal information on device lock screens, and you will not configure device settings in a manner that overrides this protection.

Section 4 — Acceptable Use Policy

4.1 General Prohibited Conduct

You agree not to: (a) access or attempt to access any system, data, or account not intended for your use; (b) interfere with, disrupt, or degrade the performance or security of the Service; (c) use any automated device, software, script, or process to scrape, crawl, or extract data from the Service without written authorization; (d) reverse engineer, decompile, disassemble, or otherwise attempt to derive source code from the platform; (e) circumvent user authentication, data access controls, or security mechanisms; (f) transmit viruses, malware, or any harmful code through the Service; (g) use the Service to send unsolicited commercial communications in violation of applicable law; or (h) show or display system screens, pricing tools, or internal data to consumers or any third party not authorized under this Agreement.

4.2 Regulated Feature Requirements

Certain features of the Service involve regulated activities. When using these features, you agree to the following requirements:

4.2.1 Credit Bureau Access and Consumer Reports

You will access consumer credit reports only for permissible purposes as defined under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). You will obtain all required consumer authorizations before initiating any credit inquiry. You will accurately distinguish between soft inquiries (pre-qualification) and hard inquiries (credit applications) when communicating with consumers. You will execute and maintain all agreements required by credit bureaus and integrated data providers (including 700Credit, DealerTrack, and RouteOne, as applicable). Unauthorized access to consumer credit data constitutes a material breach of this Agreement and may be reported to the applicable credit bureau and law enforcement.

If a credit application submitted through the Service results in adverse action (denial, less favorable terms, or conditional approval), you are solely responsible for providing the consumer with an adverse action notice in compliance with FCRA § 1681m and ECOA Regulation B § 1002.9, including the name of the credit bureau, the consumer’s right to a free copy of their report, and the right to dispute inaccuracies.

4.2.2 OFAC Screening

You will not bypass, skip, or circumvent the OFAC Specially Designated Nationals (SDN) screening functionality provided through the Service. You acknowledge that OFAC compliance is a strict liability obligation and that failure to screen customers may result in severe civil and criminal penalties imposed by the U.S. Department of the Treasury.

4.2.3 Communications and Messaging

When using the Service’s communication features (SMS, MMS, email, live chat, AI chatbot), you will: (a) obtain and document all legally required consents before sending communications to consumers, including express written consent where required by the Telephone Consumer Protection Act (47 U.S.C. § 227); (b) honor opt-out and consent revocation requests within ten (10) business days of receipt, regardless of the method by which the consumer communicates the revocation; (c) maintain accurate and current consent records; (d) comply with all applicable federal and state do-not-call regulations; and (e) not use the Service to send communications that are deceptive, misleading, or in violation of applicable law.

4.2.4 AI-Powered Features

You acknowledge that AI-powered features provided through the Service (including chatbots and automated responses) generate informational content only. You will not represent AI-generated outputs as binding commitments, guaranteed terms, or final offers to consumers. You will review AI-generated content before using it in consumer-facing communications where accuracy is material. Additional terms governing AI features are set forth in Section 10.

AI-powered features, including chatbots, may reference and communicate information derived from data maintained in your Account, including inventory details, pricing, business hours, and other dealer-entered content. You are solely responsible for ensuring that all information maintained in your Account is accurate, current, and complete. AutoFunds is not liable for AI outputs that reflect inaccurate, outdated, or incomplete data entered or maintained by you or your Authorized Users.

4.3 Data Handling Obligations

You will not access, view, modify, or export data belonging to another Dealer, lender, or third party unless expressly authorized. You will not use Consumer Data for any purpose other than the legitimate business purpose for which it was collected. You will implement commercially reasonable safeguards to protect data in your possession or control from unauthorized access, use, or disclosure.

4.4 Consequences of Violation

AutoFunds may, in its sole discretion, suspend or terminate your access to the Service, disable specific features, or report violations to applicable regulatory authorities or law enforcement if you violate any provision of this Acceptable Use Policy. Violations of this Section 4 constitute a material breach of this Agreement.

Section 5 — Dealer Compliance Obligations

5.1 Licensing and Authorization

You represent and warrant that: (a) you are a duly licensed automobile dealer or authorized entity legally permitted to sell, lease, finance, or advertise vehicles in your applicable state(s) or jurisdiction(s); (b) all business activities conducted through the Service are lawful and appropriately credentialed; and (c) you will maintain all required licenses, permits, and insurance throughout your use of the Service. You must notify AutoFunds immediately of any license suspension, revocation, or disciplinary action by a governmental authority.

5.2 Regulatory Compliance

You are solely responsible for ensuring that your use of the Service complies with all applicable federal, state, and local laws, including without limitation: the Fair Credit Reporting Act (FCRA); the Equal Credit Opportunity Act (ECOA) and Regulation B; the Truth in Lending Act (TILA) and Regulation Z; the Gramm-Leach-Bliley Act (GLBA) and the FTC Safeguards Rule; the Telephone Consumer Protection Act (TCPA) and FCC implementing rules; the CAN-SPAM Act (15 U.S.C. § 7701 et seq.); the FTC Act (Section 5, prohibition on unfair or deceptive acts or practices); the Office of Foreign Assets Control (OFAC) sanctions regulations; all applicable state consumer protection, privacy, data breach notification, and motor vehicle dealer licensing statutes; and all applicable advertising and disclosure regulations.

5.3 Consumer Notices and Disclosures

You are solely responsible for: (a) providing all required privacy notices, credit disclosures, adverse action notices, and consent forms to consumers before collecting personal information or processing applications through the Service; (b) clearly disclosing to consumers how their information will be collected, used, stored, and shared; and (c) retaining all required documentation and records for compliance and audit purposes. AutoFunds does not assume responsibility for the adequacy, timing, or content of disclosures made between Dealers and Consumers.

5.4 Advertising Accuracy

All content posted, shared, or syndicated through the Service, including inventory details, vehicle descriptions, pricing, and financing terms, shall be accurate, not misleading, and promptly updated or removed if inaccurate. You will comply with all applicable federal and state advertising guidelines, including required disclosures by the FTC, state Attorneys General, and motor vehicle licensing authorities. You will not engage in bait-and-switch tactics, deceptive lead forms, or manipulation of data feeds.

If you include financing terms in any inventory listing syndicated through the Service — including monthly payment amounts, down payment amounts, or the number of payments — you are required to include all disclosures mandated by the Truth in Lending Act (Regulation Z, 12 C.F.R. § 1026.24), including the annual percentage rate (APR), the terms of repayment, and the total of payments. AutoFunds reserves the right to suppress, modify, or remove syndicated listings that include financing terms without the required disclosures.

5.5 Identity Theft Prevention

You represent and warrant that you maintain a written Identity Theft Prevention Program as required by the FTC Red Flags Rule (16 C.F.R. § 681), and that you will use the identity verification and OFAC screening tools provided through the Service as part of your compliance program.

5.6 TCPA Consent Management

You are solely responsible for obtaining, documenting, and maintaining all consumer consents required under the TCPA and applicable state telemarketing laws before using the Service’s communication features to contact consumers. You will honor all opt-out and consent revocation requests in compliance with applicable law and FCC rules, including the requirement to process revocations received by any reasonable means within ten (10) business days. You agree to indemnify AutoFunds against any claims, fines, or penalties arising from your failure to obtain or maintain proper consent.

5.7 Responsibility for Authorized Users

You are responsible for all acts and omissions of your Authorized Users in connection with the Service. You will ensure that all Authorized Users are trained on and comply with this Agreement, your internal compliance policies, and all applicable laws and regulations.

5.8 Website Accessibility Cooperation

AutoFunds is committed to building dealer websites that meet accessibility standards. You agree to: (a) not disable, remove, override, or interfere with any accessibility features, tools, or functionality implemented by AutoFunds on your dealer website; (b) ensure that any content, images, videos, or documents you provide for publication on your dealer website include appropriate alternative text, captions, or accessible formatting as reasonably requested by AutoFunds; (c) cooperate with AutoFunds in conducting periodic accessibility reviews or audits of your dealer website; and (d) promptly notify AutoFunds at support@autofunds.com if you receive any accessibility complaint, demand letter, or legal claim relating to your dealer website so that AutoFunds may assist in remediation.

Section 6 — Consumer Data and Data Processing

This Section 6 serves as the Data Processing Addendum between AutoFunds and the Dealer and constitutes the parties’ agreement with respect to the processing of Consumer Data and Personal Information.

6.1 Roles and Responsibilities

With respect to Consumer Data processed through the Service: (a) the Dealer is the Controller (or “Business” under the California Consumer Privacy Act) and determines the purposes and means of processing; (b) AutoFunds is the Processor (or “Service Provider” under the CCPA) and processes Consumer Data solely on the Dealer’s behalf and in accordance with the Dealer’s documented instructions, which are deemed to include the instructions set forth in this Agreement.

6.2 AutoFunds’ Processing Obligations

AutoFunds will: (a) process Consumer Data only as necessary to provide, maintain, and improve the Service, or as otherwise expressly permitted by this Agreement or required by applicable law; (b) not sell, share (as defined under the CCPA), or disclose Consumer Data to third parties except as permitted by this Agreement; (c) not retain, use, or disclose Consumer Data for any purpose other than performing the Service, including any commercial purpose other than providing the Service; (d) implement and maintain administrative, technical, and physical safeguards designed to protect Consumer Data in accordance with applicable law, including the GLBA Safeguards Rule; and (e) cooperate with the Dealer in responding to Consumer rights requests (access, deletion, correction, opt-out) to the extent AutoFunds holds relevant data.

6.3 GLBA Safeguards Rule Compliance

AutoFunds acknowledges its independent obligations as a service provider under the Gramm-Leach-Bliley Act and the FTC Safeguards Rule (16 C.F.R. Part 314). AutoFunds maintains a written information security program that includes: (a) a designated qualified individual responsible for overseeing the information security program; (b) a written risk assessment identifying reasonably foreseeable internal and external risks to the security, confidentiality, and integrity of customer information; (c) encryption of customer information in transit and at rest; (d) multi-factor authentication for access to systems containing customer information; (e) regular testing and monitoring of the effectiveness of safeguards, including annual penetration testing and biannual vulnerability assessments; (f) policies and procedures to ensure that personnel maintain the security of customer information; (g) oversight of service providers by requiring contractual security commitments; (h) an incident response plan; and (i) regular reporting to AutoFunds management on the overall status of the information security program.

AutoFunds will respond to reasonable written requests from the Dealer related to AutoFunds’ GLBA compliance, including providing written confirmations of security practices, summaries of relevant policies, and evidence of third-party security assessments (such as SOC 2 reports), where available. This obligation does not require AutoFunds to permit on-site audits, provide access to its proprietary systems or source code, or disclose confidential security architecture.

6.4 Sub-processors

AutoFunds uses third-party sub-processors to assist in providing the Service, including service providers located outside the United States that provide technical support, software development, and platform maintenance services. All Consumer Data is stored on servers located within the United States. Sub-processors are bound by written agreements that impose data protection obligations no less protective than those set forth in this Section 6.

AutoFunds supervises all sub-processor access to Consumer Data and remains responsible for the acts and omissions of its sub-processors to the extent required by applicable law.

6.5 Data Breach Notification

In the event AutoFunds becomes aware of a confirmed security breach affecting Consumer Data (“Security Incident”), AutoFunds will: (a) notify the affected Dealer(s) without unreasonable delay and in no event later than seventy-two (72) hours after confirmation of the Security Incident; (b) provide the Dealer with sufficient information to enable the Dealer to fulfill its own breach notification obligations under applicable law; (c) take commercially reasonable steps to contain, investigate, and remediate the Security Incident; and (d) cooperate with the Dealer and applicable regulatory authorities as required.

AutoFunds will comply with its independent breach notification obligations under the FTC Safeguards Rule breach notification requirements (16 C.F.R. § 314.4(h)) and applicable state data breach notification statutes, as applicable.

6.6 Consumer Rights Requests

If AutoFunds receives a request directly from a Consumer to exercise rights under applicable state privacy laws (including rights of access, deletion, correction, or opt-out), AutoFunds will promptly redirect the Consumer to the appropriate Dealer. If AutoFunds receives a verified request from a Dealer to assist in fulfilling a Consumer rights request, AutoFunds will provide reasonable cooperation and technical assistance within the timeframes required by applicable law.

6.7 Data Retention and Deletion

AutoFunds retains Consumer Data for the duration of the Dealer’s active subscription and for a period necessary to comply with legal, regulatory, tax, and audit obligations following termination. Upon the Dealer’s written request submitted within thirty (30) days of account termination, AutoFunds will make the Dealer’s data available for export in a commonly used, machine-readable format. After the thirty (30) day period, AutoFunds may delete or anonymize the Dealer’s data without further obligation, except to the extent retention is required by applicable law.

6.8 Dealer’s Data Processing Obligations

The Dealer represents and warrants that: (a) it has all necessary rights, consents, and authorizations to provide Consumer Data to AutoFunds for processing through the Service; (b) its instructions to AutoFunds for the processing of Consumer Data comply with all applicable laws; (c) it will publish and maintain a legally compliant privacy policy on its customer-facing website(s); and (d) it will respond to Consumer rights requests within the timeframes required by applicable law. Misuse of Consumer Data or failure to obtain proper authorization constitutes a material breach of this Agreement.

Section 7 — Confidentiality

7.1 Mutual Obligations

Each party agrees to: (a) hold the other party’s Confidential Information in strict confidence; (b) not use it for any purpose other than exercising rights or performing obligations under this Agreement; and (c) not disclose it to any third party without the disclosing party’s prior written consent, except to employees, contractors, or advisors who have a need to know and are bound by confidentiality obligations at least as protective as those in this Section.

7.2 Exclusions

Confidential Information does not include information that: (a) becomes publicly available through no breach by the receiving party; (b) was known to the receiving party before disclosure by the disclosing party, as demonstrated by written records; (c) was independently developed by the receiving party without reference to the Confidential Information; or (d) was lawfully obtained from a third party without restriction on disclosure.

7.3 Compelled Disclosure

If either party is compelled by law, regulation, court order, or governmental directive to disclose Confidential Information, the receiving party will provide the disclosing party with prompt written notice (to the extent legally permitted) and will disclose only the minimum information required.

7.4 Survival

The confidentiality obligations in this Section 7 will survive termination of this Agreement for a period of three (3) years, except with respect to trade secrets, which will be protected for as long as they qualify as trade secrets under applicable law.

Section 8 — Intellectual Property and Ownership

8.1 AutoFunds’ Ownership

All rights, title, and interest in and to the Service, including the software, code, algorithms, platform architecture, user interface, documentation, branding, trade dress, and all derivative works thereof, are and shall remain the sole and exclusive property of Integex Solutions Inc. or its licensors. No rights are granted to you other than the limited license expressly stated in Section 3.

8.2 User Content

You retain ownership of all User Content that you or your Authorized Users input or upload to the Service. You grant AutoFunds a limited, non-exclusive, royalty-free license to use, host, store, process, display, and reproduce User Content as necessary to provide, improve, and secure the Service, facilitate integrations, and comply with legal obligations. AutoFunds will not sell User Content or Consumer Data. AutoFunds’ use of tracking technologies on the Platform is described in the Privacy Policy.

8.3 Derived Data

AutoFunds may collect, use, and process data derived from your use of the Service in an anonymized and aggregated form (“Derived Data”) that does not identify you, your dealership, or any individual Consumer. AutoFunds owns all right, title, and interest in Derived Data and may use it for any legitimate business purpose, including product improvement, statistical analysis, industry benchmarking, and research. AutoFunds will implement appropriate safeguards to ensure de-identification and will not attempt to re-identify any individual or Dealer from Derived Data.

8.4 Third-Party Intellectual Property

Certain legal forms, document templates, and content available through the Service may be provided under license from third-party vendors, including Reynolds Law Contracts. Such materials remain the intellectual property of their respective owners. Your use of these materials is limited to the business transactions conducted through the AutoFunds platform, and you may not reproduce, modify, or distribute them outside this scope.

8.5 Feedback

If you submit suggestions, ideas, or feedback about the Service (“Feedback”), you agree that such Feedback is non-confidential and that AutoFunds may use it without restriction, attribution, or compensation. You assign to AutoFunds all rights in such Feedback. You waive all moral rights in Feedback to the maximum extent permitted by applicable law.

8.6 Restrictions

You may not: (a) copy, modify, adapt, or create derivative works of the Service; (b) reverse engineer, decompile, or disassemble the Service; (c) remove or alter any proprietary notices, marks, or branding; (d) frame, mirror, scrape, or replicate any part of the Service; or (e) use AutoFunds’ trademarks or branding in any way that implies partnership, endorsement, or affiliation without prior written consent.

8.7 DMCA Compliance

AutoFunds respects intellectual property rights and complies with the Digital Millennium Copyright Act (DMCA). If you believe content on the platform infringes your copyright, you may submit a notice to: Legal Department — DMCA Agent, Integex Solutions Inc., 775 Park Avenue, Suite 255, Huntington, NY 11743, Email: support@autofunds.com. Your notice must comply with 17 U.S.C. § 512(c)(3).

8.8 Content Change Requests

If you request changes to your dealer website, forms, or other customizable features of the Service, such requests must be submitted in writing by email to support@autofunds.com by an Authorized User on the Account. By submitting a content change request, you represent and warrant that: (a) you own or have obtained all necessary intellectual property rights, licenses, and permissions for the content requested, including text, images, logos, trademarks, and any other materials; and (b) the requested content does not infringe, misappropriate, or violate any third party’s intellectual property rights, publicity rights, or other proprietary rights.

AutoFunds will process content change requests in reliance on your representations and will not independently verify the intellectual property ownership, licensing status, or legal clearance of any content you submit. AutoFunds does not have the resources to conduct IP verification and expressly disclaims any obligation to do so.

Section 9 — Third-Party Services and Integrations

9.1 Availability and Use

The Service may include integrations or connections to Third-Party Services, including credit bureaus, consumer reporting agencies, lender portals, inventory syndication platforms, CRM tools, marketplace listings, payment processors, document providers, and advertising networks. Use of any Third-Party Service is at your discretion and risk and is subject to that provider’s separate terms and privacy policies.

9.2 Data Exchange Authorization

By enabling a Third-Party Service integration, you: (a) authorize AutoFunds to share, transmit, and receive data with the Third-Party Service on your behalf; (b) represent that you have all required rights and consents to provide such data; and (c) acknowledge that AutoFunds is not responsible for any data loss, unauthorized access, delay, or corruption attributable to the Third-Party Service. You are responsible for all costs associated with third-party relationships, including licenses, subscriptions, and data fees.

9.3 Credit Bureau Compliance

If you obtain consumer credit reports or data through the Service via integrated providers (including 700Credit, DealerTrack, and RouteOne), you agree that: (a) you are a legally authorized user under FCRA; (b) you will not access credit data without proper consumer consent and a permissible purpose; (c) you will securely handle all credit data in compliance with FCRA, GLBA, and applicable state laws; and (d) you will execute and maintain all separate agreements required by the credit bureaus or data providers. AutoFunds may revoke access to credit data at any time if you are found to be in violation.

9.4 AutoFunds’ Discretion

AutoFunds retains sole discretion to approve, deny, modify, suspend, or terminate any Third-Party Service integration, API connection, or data flow at any time. AutoFunds may enter into exclusive arrangements with selected third-party providers. AutoFunds is not obligated to integrate with any third party or to maintain any existing integration.

9.5 API and Webhook Access

If granted access to AutoFunds APIs or webhooks, you will: (a) use them only as documented and for authorized business purposes; (b) implement appropriate security protocols for transmission and storage of retrieved data; (c) not overload, abuse, or circumvent API rate limits or authentication; and (d) not share or expose API credentials to unauthorized parties. AutoFunds may monitor API usage and revoke access at any time.

9.6 No Endorsement

The availability of Third-Party Service integrations does not constitute endorsement, sponsorship, or partnership by AutoFunds. AutoFunds does not control, verify, or guarantee the accuracy, reliability, or security of any Third-Party Service.

Section 10 — AI-Powered Features

10.1 Scope

AutoFunds may provide AI-powered features within the Service, including but not limited to: automated chatbots for customer inquiries, AI-generated vehicle descriptions, pricing recommendations, lead scoring, and content generation tools. The availability of AI features may vary and may be modified or discontinued at AutoFunds’ discretion.

10.2 AI Disclosures

Where required by applicable law, AutoFunds will disclose to Consumers that they are interacting with an AI-powered system. AutoFunds will implement disclosure mechanisms as required by applicable state laws, including but not limited to the California BOTS Act, and similar disclosure requirements in effect in other jurisdictions. You will not disable, circumvent, or obscure AI disclosure mechanisms provided by AutoFunds.

10.3 Limitations of AI-Generated Content

AI-generated content is provided for informational and assistive purposes only. AI outputs may contain errors, inaccuracies, or incomplete information. You acknowledge that: (a) AI-generated content does not constitute binding offers, commitments, warranties, legal advice, or financial advice; (b) you are responsible for reviewing and verifying AI-generated content before using it in consumer-facing communications, advertising, or transactions; (c) AutoFunds does not guarantee the accuracy, completeness, or legal sufficiency of AI-generated content; and (d) you will not represent AI-generated outputs as human-generated communications unless you have substantively reviewed and adopted the content as your own.

10.4 AI Interaction Logging

AutoFunds reserves the right to log, record, and analyze AI interactions (including chatbot conversations) for purposes including improving AI performance, monitoring compliance, ensuring quality, and addressing disputes. AutoFunds is not obligated to retain AI interaction logs for any specific period. Such logs, if retained, are subject to the data protection provisions of this Agreement.

10.5 Liability for AI Outputs

To the maximum extent permitted by applicable law, AutoFunds disclaims liability for losses, claims, or damages arising from reliance on AI-generated content that was not reviewed by the Dealer before use in a consumer transaction. The Dealer is responsible for ensuring that AI-generated content used in its business operations is accurate, compliant, and appropriate.

Section 11 — Fees, Billing, and Payment

11.1 Fees

Your access to the Service is subject to payment of all applicable subscription, usage, onboarding, or integration fees as disclosed at the time of sign-up or as outlined in a separate pricing schedule (“Fees”). Unless otherwise agreed in writing: (a) all Fees are quoted and payable in U.S. dollars; (b) all Fees are non-refundable except as expressly stated in this Agreement; and (c) applicable taxes are your responsibility.

11.2 Recurring Billing

You authorize AutoFunds to charge the payment method on file on a recurring monthly basis. If you do not cancel before the end of a billing cycle, your subscription will automatically renew. Accepted payment methods are limited to debit card and credit card. You agree to keep your payment details accurate and current.

11.3 Payment Terms

Subscription fees are invoiced monthly and are due on the date of invoice. There is no credit period. Late payments may incur a late fee of 1.5% per month or the maximum rate permitted by law, whichever is lower.

11.4 Fee Changes

AutoFunds reserves the right to modify pricing or billing structures with at least thirty (30) days’ notice. Continued use of the Service after the effective date constitutes acceptance of the new rates. If you do not agree to the new rates, you may terminate your subscription before the effective date.

11.5 Suspension for Nonpayment

Failure to pay Fees when due may result in suspension or termination of your access to the Service and withholding of data exports, integrations, and user access.

11.6 Chargebacks and Payment Disputes

Initiating a credit card chargeback or payment dispute for Fees lawfully billed by AutoFunds constitutes a material breach of this Agreement. Upon discovery of a chargeback, AutoFunds may immediately suspend or terminate the Dealer’s account without notice.

To reinstate an account terminated due to a chargeback, the Dealer must: (a) repay all disputed and outstanding balances in full, including all chargeback handling fees and administrative costs incurred by AutoFunds; and (b) remit advance payment equal to six (6) months of subscription fees by certified or cashier’s check payable to Integex Solutions Inc., as a credit assurance measure to mitigate the risk of further payment reversals. Service will not be restored until all payments have cleared.

Following the six (6) month prepaid period, AutoFunds will review the account and determine, in its sole discretion, whether to permit resumption of monthly card payments or to require continued advance deposits. AutoFunds’ determination shall be final.

Unresolved chargeback balances may be referred to a collections agency or pursued via legal action, including recovery of reasonable attorneys’ fees and costs.

Any Dealer or entity involved in more than one chargeback or payment dispute may be permanently barred from accessing the Service at AutoFunds’ sole discretion, without further liability or obligation to AutoFunds.

11.7 Billing Continuity

Billing obligations remain in effect regardless of your actual use of the Service. Inactivity or non-use does not constitute cancellation. All Fees continue to accrue until a valid cancellation request is submitted and confirmed pursuant to Section 15.

Section 12 — Warranties and Disclaimers

12.1 Service Provided “As Is”

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AUTOFUNDS EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

12.2 No Guarantee of Results

AUTOFUNDS DOES NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. AUTOFUNDS DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION PROVIDED THROUGH THE SERVICE, INCLUDING THIRD-PARTY DATA, VEHICLE VALUATIONS, CREDIT INFORMATION, OR MARKETPLACE INTEGRATIONS.

12.3 Legal Forms and Generated Documents

AutoFunds may provide access to or auto-generate legal forms, including but not limited to retail installment contracts, purchase orders, bills of sale, buyers orders, FTC Buyers Guides, privacy notices, disclosure forms, and other transaction-related documentation. Such forms may originate from AutoFunds’ internal form library or from third-party legal form providers (such as Reynolds Law Contracts) with whom AutoFunds has licensing or integration agreements. AutoFunds’ role is strictly limited to populating fields on these documents based on information entered by you or your Authorized Users.

You understand and agree that: (a) AutoFunds does not review, modify, validate, or verify the content of any form for accuracy, completeness, legal sufficiency, or compliance with applicable law; (b) AutoFunds makes no representations or warranties as to whether any form complies with applicable federal, state, or local laws, or whether any form is sufficient or appropriate for use in your jurisdiction; (c) you are solely responsible for reviewing, verifying, and ensuring the legality and accuracy of all forms and all data populated within those forms before use in any consumer or commercial transaction; (d) you are solely responsible for retaining qualified legal counsel to review, customize, and approve all forms and document configurations for your specific business needs and jurisdiction; and (e) AutoFunds expressly disclaims any responsibility for the legal compliance of the forms or templates themselves, the accuracy or appropriateness of populated data, and any damages, regulatory action, consumer dispute, or contract unenforceability resulting from your use of such documents.

If you identify an error or deficiency in any form or template provided through the Service, you may submit a written request to AutoFunds at support@autofunds.com describing the issue. AutoFunds will review such requests and implement changes where feasible, at its sole discretion and on a timeline determined by AutoFunds. Submission of a request does not create an obligation to implement the requested change.

12.4 Payment Calculators and Financial Tools

Payment calculators, desking tools, and financial modeling features provided through the Service are tools to assist your business operations. While AutoFunds uses commercially reasonable efforts to ensure calculation accuracy, you are responsible for verifying all figures, including APR, payment amounts, term, and total of payments, before presenting them to consumers or using them in binding agreements. AutoFunds is not a lender, financial advisor, or tax advisor.

12.5 Dealer Website Templates

AutoFunds may, as part of the Service, create and provide standard template Terms of Use and Privacy Policies for use on Dealer customer-facing websites. These templates are designed to address minimum areas of legal coverage commonly applicable to automobile dealership websites and may not be comprehensive, jurisdiction-specific, or tailored to the Dealer’s particular business model, operations, or regulatory requirements. You understand and agree that: (a) these templates are provided as a convenience and do not constitute legal advice; (b) AutoFunds makes no representations or warranties as to the accuracy, sufficiency, enforceability, or legal compliance of any template; (c) you are solely responsible for obtaining legally reviewed and approved Terms of Use and Privacy Policies from your own qualified legal counsel based on your dealership’s specific requirements; and (d) AutoFunds disclaims all liability for claims, losses, regulatory actions, or penalties arising from your use of any template, whether modified or unmodified.

AutoFunds may deploy standard privacy compliance pages on Dealer websites, including a “Do Not Sell or Share My Personal Information” page and cookie consent functionality designed to support compliance with applicable state privacy laws and Universal Opt-Out Mechanism requirements. You agree not to remove, disable, modify, or interfere with these privacy compliance features. You are solely responsible for ensuring that the privacy disclosures and opt-out mechanisms on your dealer website are accurate and complete for your specific jurisdiction and business practices.

12.6 No Regulatory or Legal Advice

AutoFunds is not a law firm, certified public accountant, lender, or regulatory body. The Service does not constitute legal, financial, compliance, or tax advice. You are solely responsible for ensuring your business operations meet all applicable legal and regulatory requirements.

Section 13 — Limitation of Liability

13.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AUTOFUNDS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 Liability Cap

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF AUTOFUNDS ARISING OUT OF OR RELATING TO THIS AGREEMENT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO AUTOFUNDS DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13.3 Carve-Outs

The limitations set forth in Sections 13.1 and 13.2 shall not apply to: (a) damages arising from a data breach of Consumer Data caused by AutoFunds’ gross negligence or willful misconduct; (b) AutoFunds’ willful or intentional breach of this Agreement; or (c) AutoFunds’ indemnification obligations under Section 14.2.

13.4 Statute of Limitations

Any claim, action, or proceeding against AutoFunds arising out of or related to this Agreement must be filed within one (1) year of the occurrence giving rise to the claim. Claims not filed within this period are permanently barred.

13.5 Basis of the Bargain

You acknowledge that AutoFunds has set its fees and entered into this Agreement in reliance upon the limitations of liability and disclaimers of warranties set forth herein, and that these provisions form an essential basis of the bargain between the parties.

Section 14 — Indemnification

14.1 Indemnification by Dealer

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless AutoFunds, Integex Solutions Inc., and their affiliates, officers, directors, employees, agents, and licensors (collectively, “AutoFunds Indemnitees”) from and against any and all claims, liabilities, damages, losses, fines, penalties, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your access to, use of, or inability to use the Service; (b) your violation of any term of this Agreement or applicable law; (c) your misuse of Consumer Data, credit reports, or Third-Party Services; (d) your dealings or communications with Consumers, vendors, lenders, or marketplace participants; (e) your advertising, marketing, or pricing practices; (f) your failure to obtain or maintain required consents under TCPA or applicable law; (g) any product, service, warranty, or representation offered by you through the Service; or (h) your breach of any third-party agreement.

14.2 Indemnification by AutoFunds

AutoFunds will defend, indemnify, and hold harmless the Dealer from and against claims, liabilities, damages, and reasonable costs (including attorneys’ fees) arising from: (a) a third-party claim that the Service, as provided by AutoFunds, infringes a valid United States patent, copyright, or trademark of a third party; or (b) a data breach of Consumer Data caused by AutoFunds’ systems where AutoFunds has an independent legal obligation. AutoFunds’ obligations under this Section 14.2 are contingent upon the Dealer providing prompt written notice of the claim, reasonable cooperation, and sole control of the defense and settlement to AutoFunds.

14.3 IP Infringement Remedies

If the Service is, or in AutoFunds’ reasonable opinion is likely to become, the subject of an infringement claim, AutoFunds may at its sole option: (a) procure for you the right to continue using the Service; (b) modify the Service to make it non-infringing; (c) replace the Service with a functionally equivalent alternative; or (d) if none of the foregoing is commercially feasible, terminate your access and provide a prorated refund of any prepaid Fees.

14.4 Exclusions from AutoFunds’ Indemnification

AutoFunds has no indemnification obligation to the extent a claim arises from: (a) your modification of the Service; (b) your combination of the Service with products or services not provided by AutoFunds; (c) your use of the Service in violation of this Agreement; or (d) your continued use of a version of the Service after AutoFunds has provided a non-infringing update.

14.5 Procedure

The indemnifying party will assume the defense of the claim using counsel reasonably acceptable to the indemnified party and will not settle any claim without the indemnified party’s prior written consent, which shall not be unreasonably withheld. The indemnified party may participate in the defense at its own expense.

Section 15 — Term, Termination, and Suspension

15.1 Term

This Agreement is effective upon your acceptance and continues on a month-to-month basis for the duration of your active subscription, unless terminated by either party in accordance with this Section.

15.2 Termination by Dealer

You may terminate your subscription at any time by providing written notice to support@autofunds.com from an authorized user on the account. Termination will be effective at the end of your current billing period. You remain liable for all Fees incurred through the effective termination date. No prorated refunds will be issued for partial billing periods.

15.3 Termination by AutoFunds

AutoFunds may suspend or terminate your access to the Service at any time, with or without notice, if: (a) you violate any provision of this Agreement; (b) you engage in fraudulent or unlawful activity; (c) you fail to pay Fees when due or initiate a chargeback; (d) you misuse Third-Party Services or Consumer Data; (e) your use poses a security, legal, or operational risk to AutoFunds or other users; or (f) required by law, court order, or governmental directive.

15.4 Effect of Termination

Upon termination: (a) your license to use the Service ends immediately; (b) you must cease all use of AutoFunds intellectual property, integrations, and platform assets; (c) any remaining balance becomes immediately due and payable; (d) AutoFunds will make your data available for export upon written request submitted within thirty (30) days of termination, in a commonly used, machine-readable format; and (e) after the thirty (30) day export period, AutoFunds may delete or anonymize your data without further obligation, except to the extent retention is required by applicable law.

15.5 Suspension

AutoFunds may suspend your access to any or all parts of the Service in lieu of termination to investigate suspected violations, security concerns, or payment issues. Suspension may remain in place until resolution is achieved or AutoFunds elects to proceed with termination. Reinstatement following suspension is subject to AutoFunds’ sole discretion.

15.6 Account Activity and Inactivity

An account shall be considered active for as long as subscription fees are being received by AutoFunds, regardless of the level of platform activity or usage. AutoFunds will not archive, suspend, or terminate an account based on inactivity so long as the account remains current on all payment obligations. AutoFunds may, at its sole discretion, terminate or archive accounts only where no payment has been received and no contractual obligations remain outstanding.

15.7 Survival

The following Sections shall survive any termination of this Agreement: Section 1 (Definitions), Section 6 (Consumer Data and Data Processing), Section 7 (Confidentiality), Section 8 (Intellectual Property), Section 10.5 (AI Liability), Section 11 (Fees — to the extent of unpaid amounts), Section 12 (Disclaimers), Section 13 (Limitation of Liability), Section 14 (Indemnification), Section 16 (Dispute Resolution), and Section 18 (Miscellaneous).

Section 16 — Dispute Resolution and Governing Law

16.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

16.2 Binding Arbitration

You and AutoFunds agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement, your use of the Service, or the relationship between you and AutoFunds shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall be conducted in Suffolk County, New York, or remotely via videoconference at AutoFunds’ discretion. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

16.3 Class Action Waiver

YOU AGREE THAT ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION OF ANY KIND.

16.4 Jury Trial Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND AUTOFUNDS WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY DISPUTE OR PROCEEDING RELATED TO THIS AGREEMENT OR THE SERVICE.

16.5 Exceptions

The following matters are not subject to arbitration and may be pursued in state or federal courts located in Suffolk County, New York: (a) claims seeking only equitable or injunctive relief to prevent unauthorized access or data misuse; (b) enforcement of intellectual property rights or trade secrets; and (c) claims for non-payment or recovery of unpaid Fees. You and AutoFunds consent to the personal and exclusive jurisdiction of such courts for those matters.

Section 17 — Force Majeure and Service Interruptions

17.1 Force Majeure

AutoFunds shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including natural disasters, acts of war or terrorism, governmental orders, pandemics, internet or telecommunications failures, power outages, third-party service disruptions, or labor disputes.

17.2 Maintenance

AutoFunds may perform scheduled or emergency maintenance that requires temporary service interruption. AutoFunds will use commercially reasonable efforts to provide advance notice of scheduled maintenance and to minimize disruption.

17.3 No Guaranteed Uptime

AutoFunds does not guarantee uninterrupted access, real-time data availability, or system responsiveness. No uptime commitment exists unless covered by a separate Service Level Agreement executed in writing between the parties.

Section 18 — Miscellaneous

18.1 Entire Agreement

This Agreement, together with the Privacy Policy, any applicable pricing schedules, and any supplemental terms presented through the Service, constitutes the entire agreement between you and AutoFunds with respect to the Service and supersedes all prior or contemporaneous communications, proposals, or agreements, oral or written. No informal communication or representation by AutoFunds personnel or agents modifies the terms herein unless expressly incorporated into a written amendment signed by an authorized representative of AutoFunds.

18.2 Severability

If any provision of this Agreement is found by a court or arbitrator to be unlawful, invalid, or unenforceable, such provision shall be modified to the minimum extent necessary to render it enforceable while preserving the parties’ intent. If modification is not possible, the provision shall be severed and the remaining provisions shall remain in full force and effect.

18.3 No Waiver

No failure or delay by AutoFunds in exercising any right under this Agreement shall operate as a waiver. A waiver of any breach must be in writing and shall not constitute a waiver of any subsequent breach.

18.4 Assignment

You may not assign or transfer this Agreement without AutoFunds’ prior written consent. Any attempted assignment in violation of this clause is void. AutoFunds may assign this Agreement freely to any affiliate, successor, or acquirer of its business or assets.

18.5 Independent Contractors

The relationship between you and AutoFunds is that of independent contractors. Nothing in this Agreement creates an agency, partnership, joint venture, or employment relationship.

18.6 Notices

All notices must be in writing and delivered by certified mail (return receipt requested), or by email with delivery confirmation. Notices to AutoFunds shall be sent to: Integex Solutions Inc., Attn: Legal Department, 775 Park Avenue, Suite 255, Huntington, NY 11743, Email: support@autofunds.com. Notices to you will be sent to the email address associated with your Account or through the platform interface. Email notices are deemed delivered when sent.

18.7 Headings and Interpretation

Section headings are for convenience only and shall not affect the interpretation of this Agreement. Any ambiguity in this Agreement shall not be construed against the drafter.

— End of Terms of Use —

Contact Information

Integex Solutions Inc. (d/b/a AutoFunds)

775 Park Avenue, Suite 255

Huntington, NY 11743

Email: support@autofunds.com

Phone: 1.888.90.FUNDS