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Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched through Wholemax, a Fair Price Vehicles LLC brand. Fair Price Vehicles will provide you with competitive loan offers from lenders, brokers and/or investors. Fair Price Vehicles’s services are free to the consumer and are wholly completed online. Please read this through, for additional information, definitions and terms. Fair Price Vehicles can only provide you the benefits of its services by conducting its business electronically. In order to do this, we need your consent to provide you with certain disclosures, notices and other communications (“Disclosures and Communications”) in connection with your loan inquiry ("Loan Inquiry").

Electronic Disclosures and Communications. Disclosures and Communications will be provided to you (and on behalf of any individual designated by you) electronically either via your designated email address and/or posted inside your Account Management tab.

Scope of Consent. Your consent to receive Disclosures and Communications and to do business electronically, and our agreement to do so, applies to this Loan Inquiry with Fair Price Vehicles and its participating Network of Lenders, Brokers, Dealers and Investors.

Withdrawing Consent. Because Fair Price Vehicles will provide the Disclosures and Communications to you instantaneously, you will not be able to withdraw your consent to do business electronically with Fair Price Vehicles during the Loan Inquiry process. However, after your Loan Inquiry is submitted, you may withdraw your consent to do business electronically in connection with your Loan Inquiry with Fair Price Vehicles at no cost to you. If you decide to withdraw your consent, the legal validity and enforceability of electronic Disclosures and Communications previously provided to you will not be affected.

Changes to Your Contact Information. You should keep us informed of any change in your email or U.S. postal mailing address. You may contact Fair Price Vehicles Customer Support by e-mail at [email protected]

 

PLEASE PRINT AND RETAIN A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS.

 

Terms of Use Agreement

 

  1. Traditional Loan Inquiries with Social Security Number Provided

Fair Price Vehicles seeks to provide you multiple conditional loan offers through its network of non-affiliated Lenders, Brokers and/Partners to enable you to comparison shop for auto loan products. By submitting the long-form inquiry form (which means you provided your Social Security Number), you authorize Fair Price Vehicles to provide information provided by you or third parties either to Lenders on the Fair Price Vehicles network, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry or to provide you with additional services. You also authorize Fair Price Vehicles, its Lenders, along with any additional Lenders, Brokers, Partners or investors necessary action to complete your loan transaction, to request from one or multiple soft inquiries to the necessary credit bureaus/reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate to the best of your knowledge. Not all lenders will perform this soft inquiry, nor will all lenders be passed the Social Security Number you have submitted on the inquiry form.

By clicking "submit" (or any button indicating acceptance) you are certifying that all of the information you have provided in your loan inquiry is true, accurate and complete to the best of your knowledge. While Fair Price Vehicles only performs a “soft inquiry” and other partners may perform the same soft inquiry, it will not impact your score according to Fair Isaac Corporation (the company that provides "FICO" credit scores). http://www.myfico.com/crediteducation/questions/inquiry-credit-score.aspx

If you complete multiple applications you will likely have several hard inquiries on your credit report/score. However, FICO reports that, for mortgage, student loans, credit cards or auto loans, it disregards multiple inquiries prior to the completion (or closing) of the loan and it consolidates these types of credit checks as a single inquiry. FICO considers all inquiries within a 45 day period for a mortgage, auto or student loan as a single inquiry.

Lenders will require additional information prior to providing an actual offer. In these situations, the Lender(s) may contact you directly to discuss your loan request and to discuss the specific terms of your offer(s). By submitting the Fair Price Vehicles’s loan inquiry form, if that process results in you closing a loan you agree to provide information about that resulting loan to Fair Price Vehicles, including but not limited to a HUD-1 settlement statement, and you authorize Fair Price Vehicles Network Lender(s), to provide that information to Fair Price Vehicles on your behalf. Certain state regulations require that Fair Price Vehicles know the disposition of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other pertinent loan file information in order to adhere to Licensing Record Retention requirements. NOTE: You are providing express written consent for Fair Price Vehicles and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.
Fair Price Vehicles Network of Lenders. Fair Price Vehicles seeks to provide you multiple conditional loan offers through its network of nonaffiliated Lenders (U.S. based banks and finance companies).

To determine which Lenders may be matched with you, Lenders provide to Fair Price Vehicles criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or self-identified credit score band) in which the Lender is interested. Fair Price Vehicles will provide your information to Lenders whose criteria match your profile.

By submitting the mobile loan inquiry form you authorize Fair Price Vehicles to match you with lenders each of whom may return multiple loan product offers, on average consumers can receive 30 conditional loan offers from up to six (6) Lenders. Once presented with your lenders and loan offers, Lenders may to call you; however, you may request that a lender contact you at another number or via another means of communication. If you wish for a lender to cease calling and competing for your business, you should reach out directly to the lender and request that your inquiry be removed from consideration and to place you on their internal Do-Not-Call List.

You authorize the lenders, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry to call you at the number provided by live, automated dialing or pre-recorded message even if you are on a Do-Not-Call List. If you provided a mobile number charges may apply. If you provided an email address, Fair Price Vehicles, the Lenders, Brokers, Partners, or investors will send you communications electronically until you opt out from the same.

If you provide additional personally identifiable information to the Lender they may do either a soft or hard inquiry into your credit to complete your formal loan application, which means the lender, but not all lenders participate, may request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate to the best of your knowledge.

By clicking "submit" (or any button indicating acceptance such as “I Agree”) you are certifying that all of the information you have provided in your loan inquiry is true, accurate and complete to the best of your knowledge.

  1. NON-MORTGAGE LOAN REQUEST SERVICES

Fair Price Vehicles offers non-mortgage (including automobile loan, boat, RV, watercraft,etc) loan request services, explained in more detail below. NOTE: Pursuant to the contracts between Fair Price Vehicles and the Lenders on its Network, Fair Price Vehicles may also receive information from your Lender regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to your Lender’s use of your information will be found in your Lender’s specific Privacy Policy. NOTE: You are providing express written consent for Fair Price Vehicles and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.

Fair Price Vehicles is not a lender or a creditor. Fair Price Vehicles does not make loans or credit decisions in connection with loans. Fair Price Vehicles does not endorse or recommend the products of any particular Lender. Fair Price Vehicles is not an agent of either you or any Lender. Fair Price Vehicles's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms or Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that Fair Price Vehicles shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by Fair Price Vehicles or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.

The Websites and the services provided by Fair Price Vehicles are available in connection with non-mortgage loans unless otherwise specified. Loans may only be made to residents of states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. Fair Price Vehicles and Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.

The data and other information you may provide Fair Price Vehicles is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. Fair Price Vehicles does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Fair Price Vehicles does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender's conditional loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products in all states. You might not be matched with the Lender making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, Fair Price Vehicles and/or its Lenders may obtain, verify and record information that identifies each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth and other important information that will allow them to properly identify you. During the Lenders' formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.

Fair Price Vehicles is paid a marketing lead generation fee by Lenders for the goods, facilities and services provided. Your use of the Websites and/or Fair Price Vehicles's services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any closing costs associated with your loan (such as loan processing, underwriting or funding fees). Fair Price Vehicles does not charge you a fee for its service in matching you with Lenders.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Fair Price Vehicles to each of the Lenders to whom your loan request is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications ("Disclosures and Communications") in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from Fair Price Vehicles, LLC and its Network Lenders. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that we may access your credit file even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures. Not all lenders will receive and/or utilize your SSN to access your credit report and/or credit score. Fair Price Vehicles does not perform hard inquiries into credit, rather it does a soft inquiry to adhere to Anti-Money Laundering requirements and to assist in identification and verification of consumers as well as to prevent fraud. The information Fair Price Vehicles receives from your credit report and/or credit score is not shared with Lenders, but is used by internal personnel on a “need to know” basis. Your information may also be obtained from Lenders after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Fair Price Vehicles and its participating Lenders to share such information as required.

NOTE: By completing a submission, you agree that Fair Price Vehicles can access certain information from your credit file. This information could include, but might not be limited to, your credit report, credit score, and other credit information.You agree that we may use and analyze your information as follows: (a) present you an overview of your credit profile including detailed information where available; (b) provide you with customized recommendations and general information about you; and (c) serve you targeted ads and other communication based on your information.Your credit score or credit report will never be given to a third party by Fair Price Vehicles.

By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender you have been matched with to contact you by telephone at the numbers (whether landline or cellular) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you consent, acknowledge and agree that Fair Price Vehicles, a lender with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call. By saving your information with Fair Price Vehicles or by doing a submission, you give Fair Price Vehicles permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.

When you "submit" information, create an account or otherwise register for services through Fair Price Vehicles, LLC and its Companies’ website or otherwise, you understand and agree that you have established a business relationship between you and Fair Price Vehicles, LLC, which is the owner of this site. Accordingly, Fair Price Vehicles, LLC and/or its Companies may send your information to its affiliates as provided in the Privacy Policy and you agree that Fair Price Vehicles and/or its Companies may contact you using information you provided with information and offers of services available through Fair Price Vehicles and the Websites. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list. If at any time you do not wish to continue to receive communications from Fair Price Vehicles, LLC or its Companies’ or its affiliates’ communications, you may modify your preferences by sending an e-mail to [email protected]. In addition, you agree to notify Fair Price Vehicles Customer Service at [email protected] if you no longer want to receive other forms of communications from us.

  1. Additional Terms Applicable to Auto Loan Request Services

Fair Price Vehicles may also provide your information with one or more of the lenders, providers or third party marketing companies.  In addition, you may be matched with one or more lenders offering unsecured loans with which you could finance your automobile or motorcycle. As such, when you click on the “submit” button you are consenting, acknowledging and agreeing to a hard pull of credit by up to five lenders in relationship to your automobile loan inquiry, Please note, that you are providing Written Consent for such inquiry and that this may impact your credit score. FICO (Fair Isaac Corporation) recognizes that borrowers typically shop around and consumers are encouraged to find the best deal that works for them and their personal financial situation. That's why inquiries from multiple auto loan applications generally will not hurt your score for 30 days. Once a month has passed, the FICO scoring model treats multiple inquiries for one of those loan types as a single inquiry, provided the applications all took place within a relatively short window of time such as 45 days. That consolidation of inquiries helps limit the FICO score damage that would otherwise be caused by multiple credit checks, each counted individually. You may contact FICO online at http://www.fico.com/en/Pages/Contact.aspx with questions.

  1. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

Fair Price Vehicles, Lenders, Providers and non affiliate partners/companies may choose to electronically deliver all information related to its services and your requests. Fair Price Vehicles, Lenders, Providers and non affiliate partners/companies's electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Fair Price Vehicles, Lenders, Providers and non affiliate partners/companies .
You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Fair Price Vehicles, Lenders, Providers and non affiliate partners/companies. This means that Fair Price Vehicles, Lenders, Providers and non affiliate partners/companies may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers and non affiliate partners/companies or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.

Technical Requirements

To access and retain information and notices we send or make available to you electronically, you will need:
•Internet access with 128-bit encryption
•Adobe Acrobat Reader 6 or higher
•Ability to Print Internet Explorer 6 or higher
•Email Access or Firefox version 1.5

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Fair Price Vehicles Customer Service at [email protected].

 

DISCLAIMERS AND LIABILITY

Fair Price Vehicles intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein and are provided "as-is" without warranty of any kind, implied, expressed or otherwise. Under no circumstances will Fair Price Vehicles be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". FAIR PRICE VEHICLES AND/OR ITS SUPPLIERS, LENDERS AND PROVIDERS  DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT USE OF THE WEBSITES AND/OR FAIR PRICE VEHICLES'S SERVICES IS AT YOUR OWN RISK. FAIR PRICE VEHICLES  AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR FAIR PRICE VEHICLES'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO FAIR PRICE VEHICLES RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF FAIR PRICE VEHICLES AND/OR ITS SUPPLIERS, PROVIDERS OR REAL ESTATE COMPANIES HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.