Terms of Service

1. Acceptance of Terms

By accessing or using Deal Defender ("Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, do not use the Service. These Terms constitute a legally binding agreement between you and Deal Defender.

2. Description of Service

Deal Defender provides AI-powered car deal analysis, contract scanning, insurance comparison, and financing pre-approval services. The Service is provided for informational and educational purposes only. Deal Defender is not a licensed automotive dealer, insurance broker, financial advisor, or attorney. Nothing in the Service constitutes legal, financial, or professional advice. Always consult qualified professionals before making significant financial decisions.

3. The 5% Commission — How It Works

By submitting a deal for analysis and accepting the Commission Agreement (presented before each analysis), you authorize Deal Defender to charge a commission equal to 5% of your verified savings after you complete the vehicle purchase.

• Verified savings are calculated as the difference between the original dealer asking price (as shown in your submitted materials) and your final purchase price (as shown in your uploaded buyer's order).
• No savings, no charge. If your final purchase price equals or exceeds the original asking price, no commission is charged.
• You are responsible for uploading an accurate, unaltered buyer's order within 30 days of vehicle purchase to trigger savings verification.
• Failure to upload a buyer's order within 30 days does not relieve you of the commission obligation if savings were achieved using Deal Defender's analysis or counter-offer.
• Deal Defender reserves the right to audit submitted documents and may dispute savings calculations if documents appear altered or inconsistent.

4. AI Analysis Disclaimer

• Market price estimates may not reflect actual transaction prices in your specific geographic area, for your specific vehicle configuration, or at the time of your purchase.
• Deal Defender does not guarantee that using our counter-offer templates or recommendations will result in any specific savings amount or that dealers will accept any counter-offer.
• Deal Defender is not responsible for dealer responses, negotiation outcomes, or final purchase prices.
• Junk fee identification is based on common industry practices and may not reflect all fees applicable in your jurisdiction or dealership.
• Always independently verify all information before making purchasing decisions.

5. User Responsibilities and Prohibited Conduct

You agree to:

• Provide accurate, complete, and truthful information when submitting deals and uploading documents.
• Upload genuine, unaltered buyer's orders and contracts for savings verification.
• Not attempt to manipulate, falsify, or misrepresent the savings verification process.
• Use the Service only for lawful, personal, non-commercial car purchasing decisions.
• Not use the Service to harm, defraud, or deceive dealers, other users, or third parties.
• Not reverse engineer, scrape, or attempt to extract Deal Defender's AI models, pricing data, or proprietary algorithms.
• Not share your account credentials or allow others to use your account.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
• DEAL DEFENDER'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE TOTAL COMMISSIONS PAID BY YOU TO DEAL DEFENDER IN THE 12 MONTHS PRECEDING THE CLAIM.
• DEAL DEFENDER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST SAVINGS, OR LOSS OF DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• DEAL DEFENDER IS NOT RESPONSIBLE FOR ANY DECISIONS YOU MAKE BASED ON THE SERVICE'S ANALYSIS, RECOMMENDATIONS, OR COUNTER-OFFER TEMPLATES.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, Deal Defender's liability is limited to the greatest extent permitted by law.

7. Indemnification

You agree to indemnify, defend, and hold harmless Deal Defender, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your submission of false, inaccurate, or fraudulent documents; or (d) your violation of any third-party rights.

8. Dispute Resolution and Arbitration

Any dispute arising from or relating to these Terms or the Service shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. You waive your right to a jury trial and to participate in class action lawsuits.

These Terms are governed by the laws of the United States, without regard to conflict of law principles. You may opt out of arbitration within 30 days of first accepting these Terms by emailing [email protected].

9. Termination

Deal Defender reserves the right to suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or for any other reason at our sole discretion. Upon termination, your right to use the Service ceases immediately. Sections 3, 6, 7, and 8 survive termination.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or prominent notice on the Service at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

11. Contact