Supplemental Payment Terms

SUPPLEMENTAL "ESTIMATE MY PAYMENT" TERMS & CONDITIONS

These Supplemental "Estimate My Payment" Terms & Conditions ("Supplemental Terms") apply to the "Estimate My Payment" and other sections of the Off Lease Only LLC website that link to these Supplemental Terms (the "EMP Sites"). These Supplemental Terms supplement and incorporate the Off Lease Only Terms of Use, which also set forth the legally binding terms governing your use of the EMP Sites.

FINANCE & LEASE TERMS- CREDIT

This is not a commitment to extend credit. Finance and Lease terms listed herein are estimates based on the credit score provided. Your credit score is NOT the only factor that determines for which finance or lease terms you may or may not qualify. A final credit decision cannot be made until all supporting documentation has been submitted and a completed application has been reviewed in accordance with the lender's underwriting procedures. Prior to signing a retail installment agreement payments, rates, fees are subject to change. All rates have been posted solely to estimate and compare potential payments under different scenarios.

DOWN PAYMENT/ CASH DOWN

Cash Down and Down Payment represent the desired amount of money you would like to pay at the time of purchase of the vehicle. Several factors that might require you to put more or less cash down in order to qualify. Examples of such factors can include but are not limited to: available finance/ lease programs, vehicle evaluation, ratios such as loan to value, and credit history.

TAXES

Taxes are estimated and final amounts will be calculated at the time of purchase. This application utilizes either (I) a states sales tax percentage, or (ii) a proprietary 50 state tax rule service that is imbedded into the calculation engine. To provide further accuracy a third-party provider is utilized to access rate details associated with specific municipalities in which the consumer lives (when applicable). For the majority of users use of the zip code will provide enough information necessary to estimate sales tax. In some scenarios however additional user information is required to get more accurate information (for example, a zip code may extend to multiple counties or cover areas outside of the city limits, etc.). Rate data is updated on a monthly basis on or around the first day of the month. In instances where a tax rate is not available and /or tax rules and calculations are not available a default estimate shall be calculated utilizing the dealers address

FEES

Fees are estimated using a default transaction that extracts information from the Dealership's Dealer Management System (DMS). Fees may vary due to multiple factors which may or may not be accounted for within this application. Some fees may be mandated by a State or federal agency while others are specific to the dealership. See Dealership employees for additional information regarding the fees associated with the vehicle purchase transaction.

TRADE VALUE

Trade-in estimated values are calculated via the Kelly Blue Book webservice and should be used solely as an approximate value of your vehicle. Vehicle valuations are opinions and may vary from vehicle to vehicle. Actual valuations will vary based upon market conditions, specifications, vehicle condition or other particular circumstances pertinent to this particular vehicle or the transaction or the parties to the transaction.These values can also fluctuate significantly depending upon the inputs of the user. Actual trade in value is subject to dealer review. Additional terms of service for KBB.com can be found at https://www.kbb.com/company/terms-of-service/.

TRADE-IN (NET)

The "NET" value is the estimated value according to KBB.com less the amount still owed on the vehicle (if applicable) referred to as "Loan Amount" which is inputted on fourth step of the trade valuation (4. Questions). Payoff amounts can and will fluctuate depending upon the date of which the loan payoff occurs, if any subsequent payments are made, or if any fees or penalties are incurred. It is suggested you calculate the loan payoff amount by choosing a date far enough into the future so to be realistic.

PROTECTION

Optional products and or services may be available for purchase in conjunction with the vehicle sale. Third party services are utilized to provide vehicle specific offerings. Although every effort is made to ensure accuracy of these products and or services there are factors that may change eligibility and/ or pricing to the shown products and or services as well as the coverages associated. Before purchasing any product and or service the complete terms and conditions of related offering will be provided for review. The protection section is intended to be informational in nature and provide estimated costs for services. This is not intended to be a complete list of all products and or services available for purchase.

NO WARRANTIES

THE INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED "AS IS" AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, ACCURACY OF INFORMATIONAL CONTENT, OR SYSTEM INTEGRATION, OR NON-INFRINGEMENT.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless us, our licensors, vendors, service providers, and each of our and their respective officers, directors, members, employees, independent and sub-contractors, agents, representatives, successors and assigns (collectively, "Indemnitees") from and against any and all claims, disputes, demands, proceedings, cause of action, judgments, damages, liabilities, losses, costs or expense (including, but not limited to reasonable attorneys' fees) of any kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed (collectively, "Claims") which may arise out of or are in any way connected with your access, visitation and/or use of the Service, your Content, unauthorized use of Content obtained on or through the Service, breach or alleged breach of the Agreement, or from any of your acts or omissions in connection with the Service. This Agreement is governed by the laws of the State of Florida. User agrees to submit to the personal and exclusive jurisdiction of the state and federal courts located with the U.S. Middle District of the State of Florida. If any of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the remaining portions of the Terms and Conditions shall remain in full force and effect. Any claim arising hereunder must be brought within one (1) year after such claim or cause of action arose or be forever barred.