Terms and Conditions

Level 5 Dealer Solutions, LLC DBA, YourApproved.com, hereafter referred to as YourApproved.com.

YOURAPPROVED.COM TERMS, CONDITIONS AND DISCLOSURES

 YOUR AGREEMENT TO THESE TERMS

 When you use YourApproved.com’s website, you agree to these Terms, Conditions and Disclosures (“Terms”), acknowledge receipt of YourApproved.com’s Privacy Policy(s) and agree to receive disclosures and solicitations electronically, Consent to Electronic Records

Please Read the following terms carefully. Do not use this website if you do not agree to the following Terms.

THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS WAIVER, WHICH PROVIDES THAT YOU AND YOURAPPROVED.COM AGREE TO RESOLVE CERTAIN DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND GIVE UP ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR A JURY. 
YOU HAVE THE RIGHT TO OPT-OUT OF THIS AGREEMENT TO ARBITRATE. IF YOU WOULD LIKE TO DO SO, PLEASE SEE THE SECTION ENTITLED “LEGAL DISPUTES, ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND OPT-OUT CLAUSE” FOR MORE INFORMATION.

Because these Terms may be updated from time to time, you should review these Terms each time you visit the YourApproved.com website. 

YourApproved.com does not intentionally or knowingly collect the personal information of anyone under the age of 18, or lacking the legal capacity to submit such information.  YourApproved’s programs are intended to be accessed and used only by adults and are not intended for, or directed to, minors. You should not provide YourApproved.com with any information regarding any individual who is a minor under the age of 18, or lacks the capacity to understand and enter into a contract legally. 

HOW THE PROGRAMS WORK 

YourApproved.com is not a creditor, credit union, finance company, lender or bank. Depending on the submission program you choose, detailed below, YourApproved.com will obtain your personal information and pass it to participating Auto Dealers/Creditors in the effort to assist you in financing the purchase of a motor vehicle, or obtaining a value for the trade in of your current motor vehicle. YourApproved.com receives compensation from the participating Dealers and/or Creditors. Regardless of the YourApproved.com program you choose, the Dealer and/or Creditor is solely responsible for its services to you and will be solely responsible for approving or declining your application for credit. 

Lead Transfer Program    

YourApproved.com’s Lead Transfer Program assists consumers in connecting  with participating dealers/creditors who are seeking information concerning motor vehicle financing programs. When you visit the YourApproved.com website and submit an application, you are indicating your interest in financing the purchase of a new or used motor vehicle. The personal information you provide may be used by Dealers/Creditors to contact you about their vehicle financing programs. Your submission provides them consent to contact you using the methods you have identified in your submitted application. (e.g., phone number and email). The personal information you provide can include name, address, phone numbers, email address, employment history, income, social security number and birth date.  

Trade Appraisal Program

 YourApproved.com’s Trade Appraisal Program assists consumers like you seeking information concerning the value of a motor vehicle they may wish to trade or sell outright to a dealer.  As with the Lead Transfer Program, when you fill out and submit the trade appraisal form on the YourApproved.com website, you are asked to provide certain personal information that is used to determine an estimated value of your current vehicle/intended trade-in vehicle. Upon submission you are granting the Dealers permission to contact you using the methods identified in your trade appraisal submission (e.g., phone number and email).The personal information you provide can include name, address, phone numbers, email address, vehicle identification number, and detailed vehicle description.  All trade appraisal quotes are estimations and not an offer to purchase. All appraisals are subject to inspection of the vehicle by a dealer in-person and can change based on the condition, length of time since submission and any other fluctuating market valuation factors. You must own the vehicle you are seeking to trade and any lien balances owed on the vehicle must be paid in full upon trading. 

Programs are only For Informational Purposes 

Your Financial decisions are your own responsibility. Any information provided by YourApproved.com is for informational purposes only.  YourApproved.com’s website is a resource through which you may obtain limited information concerning financing programs that may be available to consumers like you through participating Dealers and/or Creditors.  Your individual financial situation is unique to you and not all information YourApproved.com provides may be appropriate to you and your financial situation. With this in mind, before making any final decisions, you should consider consulting with a financial professional (accountant, financial advisor, etc.), who fully understands your unique financial situation. Any financing program/trade appraisal offered by any dealer/creditor should be investigated by you, based on your own judgement, or that of your personal advisor, to determine whether the program (s) are appropriate for your circumstances  In doing so, you should fully inform yourself of the terms, conditions and limitations of the program before proceeding with any financial transaction.

YourApproved.com is not an agent of any Dealer and/or Creditor.  YourApproved.com does not guarantee that the terms or rates offered by any particular Dealer and/or Creditor will be available to you. There is no guarantee that you will be approved for credit by any participating Dealer and/or Creditor. 

CONSENT TO DISCLOSE INFORMATION TO DEALERS AND/OR CREDITORS

When you participate in YourApproved.com’s programs, you will be providing your consent for YourApproved.com to disclose your identifying and personal information to participating Dealers and/or Creditors for the purpose of contacting you to respond to your request for information concerning financing programs for which you may qualify and/or trade appraisal inquiries. That consent may include the use of the means of contact, such as your phone number and your email address, you provided when you elected to provide your personal information.

NO REPRESENTATIONS ARE MADE OR WARRANTIES ARE GIVEN 

ALL INFORMATION PROVIDED TO YOU THROUGH THE YOURAPPROVED.COM WEBSITE IS PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. YOURAPPROVED.COM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION PROVIDED OR THE CONTENT, SERVICES, MATERIALS OR PRODUCTS THAT MAY BE LINKED TO THROUGH THE YOURAPPROVED.COM WEBSITE. USE OF YOURAPPROVED.COM’S PROGRAMS IS AT YOUR OWN RISK AND YOU AGREE TO THIS FACT. YOURAPPROVED.COM DOES NOT MAKE ANY WARRANTIES, GUARANTEES OR REPRESENTATIONS, EXPRESSED OR IMPLIED, REGARDING ACCURACY, COMPLETENESS OR CORRECTNESS OF THE PRODUCTS, SERVICES OR INFORMATION THAT MAY BE OBTAINED OR ACCESSED AS A RESULT OF YOUR USE OF THE YOURAPPROVED.COM WEBSITE. YOURAPPROVED.COM SIMILARLY DISCLAIMS ANY WARRANTIES RELATED TO THE RELIABILITY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION OR SERVICES AND PRODUCTS THAT MAY BE OBTAINED OR ACCESSED THROUGH YOUR USE OF THE YOURAPPROVED.COM WEBSITE. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT YOURAPPROVED.COM IS ONLY AN INTERMEDIARY BETWEEN YOU AND DEALERS AND/OR CREDITORS WHO MAY BE IDENTIFIED AS HAVING FINANCING PROGRAMS WHICH MAY BE AVAILABLE TO YOU AND THAT YOURAPPROVED.COM IS NOT AN AGENT OF SUCH DEALERS AND/OR CREDITORS. 

YourApproved.com’s programs are offered and made available and are intended for use only by consumers accessing YourApproved.com’s website in the United States.  YourApproved.com makes no representations that the Program is appropriate or available for use in other jurisdictions. If you access or use the website from another jurisdiction, you do so at your own risk and are solely responsible for compliance with local law.

LIMITATIONS ON YOURAPPROVED.COM’S LIABILITY

NEITHER YOURAPPROVED.COM NOR ITS PARTICIPATING DEALERS AND/OR CREDITORS SHALL BE LIABLE OR RESPONSIBLE TO YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING OUT OF (DIRECTLY OR INDIRECTLY): (I) YOUR BREACH OF THESE PROGRAM TERMS; (2) YOUR ACCESS AND USE OF THE YOURAPPROVED.COM WEBSITE; OR (3) ANY INFORMATION OBTAINED FROM YOURAPPROVED.COM OR THROUGH YOUR USE OF THE WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, YOURAPPROVED.COM’S TOTAL LIABILITY TO YOU OR ANYONE CLAIMING THROUGH YOU SHALL NOT EXCEED $100. YOU AND YOURAPPROVED.COM AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE MUST BE COMMENCED WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. 

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages or the contractual limitation of statute of limitations period. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply.

In the event that any limitation on the period of time for bringing an action, claim, dispute or proceeding against YourApproved.com is determined or held to be inapplicable or unenforceable by any court, arbitration panel or other tribunal, then the statute of limitations for your state of residence shall apply to any such action, claim, dispute or proceeding referred to final or binding arbitration. 

LEGAL DISPUTES, ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND OPT-OUT CLAUSE

You agree that any claim or dispute at law or equity that has arisen or may arise between you and YourApproved.com, arising out of or relating in any way to these Terms, or your use of the YourApproved.com’s website, will be resolved in accordance with the provisions set forth in this section. Please read this section carefully. It affects your rights and will have a substantial impact on how claims you and YourApproved.com have against one another are resolved.

APPLICABLE LAW

You agree that the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and YourApproved.com, except as otherwise stated in this Agreement. Arbitration, Class Waiver, Opt-Out Clauses You and YourApproved.com each agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and YourApproved.com (including any affiliates, officers, directors, employees, and agents), whether or not such dispute or claim involves a third party, relating in any way to any aspect of our relationship or any contact between us, direct or indirect, or arising out of these Terms or your use of the YourApproved.com website (“Dispute”). You and YourApproved.com agree to submit the Dispute to a single arbitrator under the then-current Arbitration Rules of the American Arbitration Association (AAA), including, when applicable, the Optional Rules for Emergency Measures of Protection and the Consumer Arbitration Rules, or, by separate mutual agreement, at another arbitration institution. The AAA’s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. As an alternative, you or YourApproved.com may bring a claim in your local “small claims” court, if permitted by that small claims court’s rules. The Federal Arbitration Act governs the interpretation and enforcement of this section regarding our agreement to arbitrate any Dispute (“Agreement to Arbitrate”), and the arbitrability of the Dispute. The arbitrator will decide whether the Dispute can be arbitrated. You and YourApproved.com agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and YourApproved.com agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and YourApproved.com agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and YourApproved.com agree to waive the right to a trial by jury for all disputes. You may opt out of this Agreement to Arbitrate. If you do so, neither you nor YourApproved.com can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing, within 30 days of the date that you first became subject to these Terms either by U.S. mail delivered to: Attn: Level 5 Dealer Solutions DBA YourApproved.com C/O Terms and Conditions Opt Out, 510 West Ave,  Jenkintown, PA 19046 or by email delivered to info@YourApproved.com. You must include: (1) your name and residence address; (2) the email address and/or telephone number associated with your use of the website; and (3) a statement that you want to opt out of this Agreement to Arbitrate. This Agreement to Arbitrate will survive the termination of your relationship with YourApproved.com. Notwithstanding any other provision of these Terms to the contrary, you and YourApproved.com agree that if YourApproved.com makes a change to the arbitration provision of these Terms (other than a change to the notice address or the site link provided herein) in the future, that change shall not apply to a claim that arose prior to the effective date of the change. The change shall apply to all other Disputes. We will notify you of a change to these Terms by posting the amended terms on YourApproved.com’s website. Miscellaneous If any portion of these Terms are deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, the whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms that is deemed unlawful, void or unenforceable shall be stricken. The headings contained in these Terms are for convenience of reference and shall not limit or otherwise affect in any way the meaning or interpretation of these Terms.

All covenants, agreements, representations and warranties contained these Terms shall survive your acceptance of these Terms and their termination.

If you have questions, comments, concerns or feedback regarding these Terms, please contact YourApproved.com at info@YourApproved.com.