Terms of Service

PLEASE CAREFULLY REVIEW THESE TERMS. BY ACCESSING, USING THIS SITE, SUBMITTING AN APPLICATION, OR OTHERWISE ACCEPTING THESE TERMS, YOU ACKNOWLEDGE AND AGREE TO ABIDE BY THESE TERMS AND CONDITIONS. PLEASE BE AWARE THAT YOU MAY BE FORFEITING CERTAIN RIGHTS. WHEN YOU SUBMIT AN APPLICATION THROUGH OUR SITE, YOU CONSENT TO DEALERS ACCESSING YOUR CONSUMER CREDIT REPORT.

Who we are:

Our websites and all pages therein, including online services, software, or applications through which you accessed these Terms and Conditions (collectively, the “Sites,” and each a “Site”) are operated by JourneyApproved Inc. and/or one or more of its affiliates and/or agents (“JourneyApproved,” “we,” “us,” or “our”). Unless otherwise specified, the terms, conditions, and notices contained herein (collectively, “Terms”) constitute a legal agreement exclusively between you and us, governing your use of the Sites.

JourneyApproved reserves the right to modify, update, add to, and/or revise these Terms periodically and at any time. Please refer to the “Last Updated” legend at the top of this page to determine when these Terms were last revised. Any such modification, update, addition, or revision will take effect immediately upon being posted on this Site. We recommend checking these Terms periodically to stay informed of any revisions to which you are bound. Your continued use of the Site indicates your acceptance of such revised Terms and Conditions. Visit the website to review the most recent version of the Terms and Conditions. We will make reasonable efforts to notify you of significant changes to these Terms, which may include posting notices on the Site or sending an email to the address we have on file.

THIS AGREEMENT INCLUDES A MANDATORY ARBITRATION CLAUSE THAT RESTRICTS YOUR ABILITY TO INITIATE LEGAL PROCEEDINGS IN COURT, FILE CLASS ACTIONS, OR HAVE DISPUTES ADJUDICATED BY A JUDGE OR JURY. ADDITIONALLY, IT CONTAINS PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.

By continuing to utilize the Sites, you acknowledge that your usage constitutes legally adequate consideration under these Terms. Please be aware that upon the submission of an Application, we will conduct a soft inquiry on your credit. However, our dealers may need to conduct a hard inquiry. Refer to Section 1 for more comprehensive information.

We recommend printing or saving a copy of these Terms for your future reference. If you require these terms and conditions in an alternative format (such as audio, large print, or braille), please get in touch with us.

Use of site:

Your access to and utilization of this Site are governed by all applicable laws and regulations. The act of using this Site, submitting an Application, or engaging with any services offered by or in connection with the Site indicates your acceptance of these Terms.

You are prohibited from using this Site or submitting an Application if any of the following conditions apply to you: (i) you are below the age of majority in the jurisdiction from which you are accessing this Site (“Your Jurisdiction”); or (ii) it is illegal in Your Jurisdiction for you to access, view, and/or use this Site. You must refrain from using the Site if any of these conditions apply, including if any material on this Site or your use of this Site is contrary to the laws of Your Jurisdiction. Agree not to bypass any age gate or other technical measures we implement.

Any reliance on information posted on this Site is at your own risk. Your access and/or use of this Site are strictly on an “as is” basis, and you should not assume that this Site will be error-free or operate without interruption or as intended. We reserve the right to suspend the use of the Site in general or block your access to any part of the Site.

Furthermore, we retain the right to disclose to the relevant authorities, and in accordance with applicable law, any information we hold concerning your identity and any evidence related directly or indirectly to the misuse of this Site.

When you submit an application to JourneyApproved (the “Application”), we collaborate with dealers to process your Application and information. All information submitted in an Application is processed in accordance with the dealer’s Privacy Policy. Access the full text of the dealer’s Privacy Policy by navigating to their website. Additionally, if you submit an application in the United States, please read our FCRA Notice. We do not arrange or facilitate credit ourselves. We will release some or all of the information in your Application to dealers to locate an appropriate credit provider for you. By submitting an Application to JourneyApproved through the Sites, you certify that all information provided in the Application is true and complete, and you authorize JourneyApproved, dealers, or our agents or affiliates to:

  • Request or obtain any and all credit information concerning your Application from any sources deemed appropriate by JourneyApproved.
  • Request or obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application.
  • Communicate with you in-person, by telephone, mail, email, text, or any social media platforms.
  • Provide reports to you on the status of your Application, including information on whether you pre-qualify for a loan, which lender’s loan offer (if any) you choose to accept, or whether your application for credit is denied.

You are granted a limited, non-exclusive right to create text hyperlinks to the Site for informational purposes, provided such links do not portray us in a false, misleading, derogatory, or otherwise defamatory manner. Ensure that the linking Site does not contain any material that is unlawful, harmful, harassing, defamatory, threatening, intimidating, fraudulent, tortious, vulgar, obscene, hateful, pornographic, spam, discriminatory, violative of privacy or publicity rights, infringing of intellectual property, or other proprietary rights, or otherwise objectionable in our sole discretion, including unauthorized or unsolicited advertising. Additionally, notwithstanding the foregoing, and subject to compliance with any instructions posted in the robots.txt file located in a Site’s root directory, we grant to the operators of public search engines permission to use spiders to copy Intellectual Property from the Site for the sole purpose of (and solely to the extent necessary for) creating publicly available, searchable indices of such Intellectual Property, but not caches or archives of such Intellectual Property. We reserve the right to revoke these permissions at any time.

Intellectual Property:

All references on this Site to trade names, trademarks, logos, service marks, designs, and other intellectual property, as well as all names, text, designs, graphics, characters, interfaces, code, software, images, sounds, videos, photographs, and other content appearing on the Site or in any of our social media advertisements (collectively referred to as “Intellectual Property”), pertain to the owner and/or licensee(s) of such Intellectual Property. All rights pertaining to this Intellectual Property are reserved and protected. The symbol “®” indicates a registered trademark of the Intellectual Property owner; “™” denotes a trademark, and “©” signifies a copyright.

Unless otherwise specified in these Terms, in the text on the Site, or provided elsewhere, all content on this Site is the property of the owner of the respective Intellectual Property. This Intellectual Property may be safeguarded by copyright, trademark, patent, or other proprietary rights and laws, constituting a collective work. You acknowledge that the applicable JourneyApproved entity owns all right, title, and interest in and to the Intellectual Property. Nothing from this Site may be used by you except as explicitly provided in these Terms without the written permission of JourneyApproved. You agree not to utilize the Intellectual Property for any unlawful or infringing purpose. Your access or use of the Sites does not grant you any right, title, or interest in any Intellectual Property.

Subject to your adherence to these Terms, we grant you a limited license to access and use the Sites and their Intellectual Property for personal, informational, and shopping purposes. Reproduction or distribution of the Intellectual Property in any form, including electronically or through the registration of new trademarks, trade names, service marks, or Uniform Resource Locators (URLs), is strictly prohibited without prior express written permission from JourneyApproved. JourneyApproved makes no warranty or representation that your use of materials displayed or downloaded from this Site will not infringe the rights of third parties not owned by or affiliated with JourneyApproved.

Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Intellectual Property displayed on this Site without the prior written permission of JourneyApproved or any third party that may own such displayed items. Your use of any Intellectual Property on this Site and any other content on this Site is strictly prohibited, except only to the limited extent expressly permitted in these Terms.

Submissions:

You bear responsibility for any communication or material you transmit to JourneyApproved or through this Site, whether via the “Contact” section of the Sites, electronic mail, or other means. This includes data, questions, comments, suggestions, or similar content (collectively referred to as “Submissions”), which will be treated as non-confidential and non-proprietary. PLEASE AVOID POSTING OR SENDING ANY SUBMISSIONS, IDEAS, SUGGESTIONS, OR OTHER USER CONTENT THAT YOU INTEND TO KEEP PRIVATE OR PROPRIETARY, OR FOR WHICH YOU EXPECT COMPENSATION. Any Submissions you transmit become the property of JourneyApproved and may be used by JourneyApproved and its affiliates for any purpose, including reproduction, disclosure, transmission, publication, broadcast, posting, and other forms of exploitation, with or without your name associated with the material, at JourneyApproved’s discretion. However, please note that any personally identifiable information submitted to us, intended to be confidential, will be handled in accordance with our Privacy Policy and will not be publicly disclosed, except as described in our Privacy Policy or with your approval.

By posting on a Site or transmitting through our Sites, you affirm, represent, and warrant that any Submissions are truthful, accurate, not misleading, offered in good faith, and that you have the right to transmit such Submissions. You agree not to upload, post, or otherwise make available on or through a Site any Submissions protected by copyright, trademark, or other proprietary rights of any third party without the express written permission of the owner of such right(s). You shall be solely responsible for any damages resulting from any infringement of copyright, trademark, proprietary rights, or any other harm resulting from such Submissions.

Without limiting the scope of this Section, you agree to sign and deliver to JourneyApproved, upon demand, all further documents and assurances that JourneyApproved may request in connection with the assignments, transfers, releases, and waivers contemplated by this Section.

Your conduct:

You shall refrain from using the JourneyApproved Site to:

  • Upload, post, email, or otherwise transmit any material containing viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment associated with this Site.
  • Interfere with the servers or networks connected to this Site or violate any security procedures, policies, or regulations of networks connected to this Site.
  • Impersonate any other person or entity or falsely state or otherwise misrepresent your affiliation with any person or entity in connection with this Site, expressing or implying that JourneyApproved endorses any statement you make.
  • Conduct yourself in a vulgar, offensive, harassing, or objectionable manner while using this Site.
  • Submit or publish through this Site, or on any social media or other accessible forums, any material or content that is defamatory, offensive, pornographic, abusive, threatening, describes illegal activity, or advertises any goods or services.
  • Submit or publish through this Site, or on any social media or other accessible forums, any material or content that infringes the intellectual property rights of a third party.
  • Use this Site for any unlawful purpose.
  • Reproduce, duplicate, copy, publicly display, frame, mirror, sell, resell, sublicense, export, or otherwise exploit, for any commercial purposes, any portion of, use of, or access to this Site or the software associated with this Site.
  • Build a competitive product or service using the Site, create a product or service using similar ideas, features, functions, or graphics as the Site, or determine whether the Site falls within the scope of any patent.
  • Use any data mining, bots, spiders, automated tools, or similar data gathering and extraction methods, directly or indirectly, on the Site or to collect any information from the Site or any other user of the Site.
  • Reverse engineer, disassemble, decompile, or otherwise attempt to derive the method of operation of this Site.
  • Assist or permit any persons in violating these Terms or other applicable laws or rules governing the use of this Site.

LIMITATION OF LIABILITY; WARRANTY; AND INDEMNITY

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Your use of and browsing on this Site are undertaken at your own risk. Neither JourneyApproved, nor any of its directors, officers, employees, or agencies, dealers, nor any other party involved in the creation, production, delivery, or operation of this Site (collectively, the “Releasees”) is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to or use of this Site or any consequences flowing therefrom. This includes, without limitation, computer viruses that may infect or other damages that may occur to your computer equipment or other property as a result of your access, use, or browsing on this Site or your downloading of any materials, data, text, images, video, or audio from this Site. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you. Regardless, if we are found to be liable, our liability to you or to any third party is limited to the greater of the actual total amount received by us from you or the lowest liability limitation allowed by applicable law. We offer no representation or warranty that you will be approved for a loan, able to purchase a vehicle or other product(s) in connection with your use of our Site, that any loan terms or vehicle purchase terms will be acceptable to you, or that our partners will agree to work with you.

We do not warrant or make any representations regarding the use, validity, accuracy, or reliability of the content available on a Site or any other sites linked to or from a Site. The content of a Site is provided “as is” and on an “as available” basis, without warranties of any kind either express or implied. Without limiting the generality of Section 5.1 and to the fullest extent possible under applicable law, we disclaim any warranty or representation of any kind, whether expressed or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose or any purpose, non-infringement, or any other warranties implied according to the laws of any jurisdiction, including your jurisdiction, unless in your jurisdiction the exclusion of some or all of such expressed or implied warranties is not permitted or is restricted, in which case all such expressed or implied warranties are excluded to the fullest extent permitted by law in your jurisdiction.

You agree to indemnify, defend, and hold JourneyApproved, and its officers, directors, employees, agents, and distributors, harmless from and against any and all claims, demands, liabilities, costs, and expenses whatsoever, including without limitation reasonable legal fees and disbursements. This indemnification results directly or indirectly from: (1) your breach of any of your agreements, representations, or warranties set out in these Terms and Conditions; (2) your activities and access to or use of this Site or any site linked from this Site; (3) your use of, reliance on, or publication, communication, or distribution of anything on or from this Site or any linked site; and/or your violation of any law or regulation; or (4) the Submissions or other information you provide to us through a Site. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

The Site is not intended to provide professional advice or recommendations, including financial, legal, or other professional advice. It is your responsibility to obtain appropriate advice suitable to your particular circumstances from a qualified professional before acting or omitting to act based on any information obtained on or through the Site

CONFIDENTIALITY AND PRIVACY ISSUES; CHILDREN

Unless encrypted, information transmitted or received over the Internet is susceptible to insecurity, and JourneyApproved cannot and does not provide any representation, warranty, or assurance regarding the interception by third parties of your personal or other information. JourneyApproved will not be liable for any damages you or any third party may incur as a result of or in connection with the transmission of any information from or to JourneyApproved through this Site.

Through your access or use of this Site, JourneyApproved is capable of and may indeed collect certain information about you and your usage of the Site. Any personal information you submit to us will be handled in accordance with our Privacy Policy. You can access the full text of our Privacy Policy at (“Privacy Policy“) or by selecting the link in the footer.

Our Sites are not designed to attract minors, and we do not knowingly attempt to solicit or receive any information from children under thirteen (13) years of age. YOU MUST BE AT LEAST EIGHTEEN (18) YEARS OF AGE TO ACCESS AND USE OUR SITES. If you are under the age of majority in your home state/province, which is eighteen (18) years in most states/provinces, you may not establish a registered account with us or submit an Application

REFERRED BUSINESSES; LINKED SITES; NO THIRD PARTY RIGHTS

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JourneyApproved may provide a referral to an independent business, such as a car dealer, and Sites and communications from JourneyApproved may include advertisements for products or services (including cars, car loans or other financing, extended car warranties, insurance, roadside assistance services, personal loans, credit-building services, and credit cards) offered by car dealers. Those referrals and advertisements do not guarantee that a referred product or service will be offered or available to you as indicated or at all, or that you will qualify to purchase or receive a referred product or service. The availability of a referred product or service is within the discretion of the relevant car dealer (not JourneyApproved) and will be subject to the terms and conditions specified by the car dealer (not by JourneyApproved).

Referred car dealers are independent from JourneyApproved, and JourneyApproved does not have any control over, and is not responsible or liable for, any car dealer or any referred product or service. Each car dealer will provide its referred products or services subject to a separate agreement between you and the car dealer, and JourneyApproved is not a party to that agreement or any related transaction between you and the car dealer. YOUR DEALINGS WITH CAR DEALERS AND YOUR USE OF A REFERRED PRODUCT OR SERVICE ARE AT YOUR OWN RISK, AND YOU WILL NOT MAKE ANY CLAIM AGAINST JOURNEYAPPROVED ARISING FROM, CONNECTED WITH, OR RELATING TO YOUR DEALINGS WITH A CAR DEALER OR ANY REFERRED PRODUCT OR SERVICE.

We may maintain a presence on and link to social media websites, including Facebook, LinkedIn, Twitter, YouTube, TikTok, Pinterest, and Instagram, and others (collectively, “Social Media Pages”), to provide a place for people to learn more about us and our products and to share experiences with our products. When you visit these Social Media Pages, you are no longer on our Site, but rather on a website operated by a third party. All comments, visuals, and other materials posted by visitors to our Social Media Pages do not necessarily reflect our opinions, values, or ideas. All visitors to our Social Media Pages must comply with the respective social media platform’s terms of use.

The Site may contain links to other sites on the Internet that are owned and operated by third parties (the “External Sites”). Even if the third party is affiliated with JourneyApproved, JourneyApproved has no control over these External Sites, all of which have separate privacy policies, data collection practices, and terms and conditions independent of JourneyApproved. JourneyApproved has no responsibility or liability for these independent policies or actions and is not responsible for the privacy practices, the terms and conditions, or the content of such External Sites. JourneyApproved does not warrant the accuracy, completeness, authenticity, or reliability of third-party websites linked to the JourneyApproved website and is not responsible for the contents of any linked website or any information, statements, opinions, or other information provided by third parties and made available on our Sites. If you click on these External Sites, you will leave our Sites. These links to External Sites are only for your convenience, and therefore you access them at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Links do not imply that JourneyApproved sponsors, endorses, is affiliated with or associated with, or has been legally authorized to use any trademark, trade name, service mark, design, logo, symbol, or other copyrighted materials displayed on or accessible through such External Sites or any of the products or services described thereon. YOU AGREE THAT YOUR USE OF EXTERNAL SITES, APPLICATIONS, SERVICES, AND RESOURCES, INCLUDING WITHOUT LIMITATION YOUR USE OF ANY CONTENT, INFORMATION, DATA, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH THIRD PARTIES, IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CONDITIONS OF USE APPLICABLE TO SUCH EXTERNAL SITES AND RESOURCES.

If and to the extent that any other sites are linked to this Site or any other JourneyApproved site at any time, JourneyApproved is not responsible for the content of any such linked site or any link contained within such a linked site. JourneyApproved reserves the right to terminate any link or linking program at any time, and the linking of any site to or through this Site does not imply any endorsement by JourneyApproved of the companies, products, or information offered, described, or otherwise made available on or through such linked sites. If you decide to access any site linked through or to this Site, you do so entirely at your own risk.

CONSENT TO COMMUNICATIONS

By providing us with your contact information and utilizing the Site, you consent to receiving communications via email and/or social media from or on behalf of JourneyApproved at the email address or telephone number (including mobile number) you provided. You agree that any notices, agreements, disclosures, or other communications that we electronically send to you will fulfill any legal communication requirements, including the stipulation that such communications be in writing. All notices from us intended for your receipt shall be considered delivered and effective when sent to the email address you provide to us.

Text Message Marketing. By participating in a text message campaign, you agree to the Disputes, Arbitration, and Class Action Waiver in Section 10, the Limitation of Liability in Section 5, as well as the remaining terms herein.

Opting In

You may have the option to sign up for a text message marketing campaign from a Site or through another method provided by us. Text messaging may encompass one-time or recurring texts (“SMS Programs”):

To enroll in an SMS Program, kindly follow the instructions provided by the specific SMS Program you wish to join. Consent to receive SMS messages is not obligatory as a condition to purchase products or services.

Opting Out and Seeking Assistance

You can opt out of these communications anytime by texting “STOP” in response to the text message you received. Upon sending the SMS message “STOP” to us, we will dispatch an SMS message to confirm your unsubscribed status. Subsequently, you will cease receiving SMS messages. If you wish to rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

If at any point you forget which keywords are supported, simply text “HELP” to the text message you received. After you send the SMS message “HELP” to us, we will provide instructions on how to use our service and how to unsubscribe.

Cost and Frequency of Messages

Charges for messages and data usage may apply. For inquiries about your text or data plan, it is advisable to get in touch with your wireless provider.

Unless stated otherwise, we may send multiple, recurring messages depending on the SMS Program you have enrolled in and reserve the right to terminate the SMS Program or your participation in it at any time, with or without notice.

Supported Carriers

We can deliver messages through major mobile carriers, and these carriers are the ones that support our message delivery. Mobile carriers are not responsible for delayed or undelivered messages to the customer. If your mobile carrier is not participating, you will not receive a reply to your messages. Some mobile carriers may not support certain services at the prices offered. Pre-paid users should check with their mobile carrier as they may not be able to participate.

It is essential to inform us if you relinquish a telephone number subscribed to a text message marketing program or if the number is reassigned. For further information on our text message marketing programs or to notify us of changes, please contact us. Our Privacy Policy is applicable to text message marketing programs.

CAR DEALER INFORMATION

We neither own nor sell any vehicles listed by car dealers. Our services do not include, and we are not accountable for, any pricing, payment terms, offers, quotes, or financing provided by car dealers. We are not liable for any errors or omissions in the descriptions, prices, payments, offers, quotes, or financing provided by car dealers.

TERMINATION.

The validity of the Sites and these Terms remains until either you or we decide to terminate them. We reserve the right to terminate these Terms by providing notice through any available contact information or by posting the termination on the Site. On your end, termination can occur by furnishing written notice of termination, along with detailed contact information, using the information found in the Contact Us section.

Furthermore, we retain the authority, with or without notice and with or without cause, to suspend, limit, or terminate your access to the Site or any of its features at any time. This includes instances where we believe you have violated or acted inconsistently with these Terms. Please note that actions we take in this regard might be protected from liability under the Communications Decency Act, 47 U.S.C. § 230.

Certain provisions within these Terms, such as those concerning the protection of intellectual property rights, authorized use, user-submitted content, disclaimers, limitations of liability, indemnity, and dispute resolution, are designed to survive termination. Upon termination, you are obligated to (i) destroy all content obtained from the Site along with any copies, and (ii) immediately cease all use of and access to the Site.

If your use of the Site is terminated as per these Terms, you agree not to attempt to use the Site under any name, real or assumed. Additionally, if you violate this restriction after termination, you agree to indemnify and hold us harmless from any resulting liability. Any use of the Site after termination constitutes a violation of this Section, which survives any termination