The products and services ("Product" or "Products") available from Auto Search and Loans Inc. (“Auto Search and Loans”) are provided by TransUnion LLC. We may also partner with other companies ("Suppliers") to make available to you additional Products. Auto Search and Loans and its Suppliers are referred to in this Agreement as "We," "Us," and "Our." You, the person visiting and utilizing this site and the Products offered by Auto Search and Loans, are referred to as "You", "Your" or the "Member".
Auto Search and Loans reserves the right to revise and/or change these terms and conditions as may become necessary. Revisions will be effective when posted or as otherwise stated. You agree that the continued use of this site and/or Services following any posting of the revision and/or change to these terms constitutes Your acceptance to be bound by the terms as revised and/or changed.
Additional terms and conditions may apply to specifics of Our memberships, products and services or to participate in our affiliate program or surveys.
Auto Search and Loans is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. Auto Search and Loans offers You access to Your credit report and other credit-related information Products, but We do not offer, provide, or furnish any Products, or any advice, counseling, or assistance, for the expressed or implied purpose of improving Your credit record, credit history, or credit rating.
The credit monitoring offered by Auto Search and Loans, monitors only Your credit file, and does not monitor, compare or cross-reference the credit file associated with any other credit file(s) maintained by the applicable credit bureau(s).
This Agreement will take effect upon Your registration and purchase and shall terminate (a) when either party gives notice of its intention to terminate to the other party hereto, (b) upon termination of your membership or (c) if Auto Search and Loans discontinues providing any membership, subject to your right to receive membership benefits that you have paid for or to obtain a refund of a portion of your payment.
Free Trials or Introductory Offers; Conversion to Paid Membership
The terms of any free trial or introductory offer are specific only to the Product subject to such trial or offer. We will verify Your billing information before processing Your order. An authorization will be requested from Your billing account to make sure it is valid and in good standing. We will not bill Your account until the relevant trial or introductory offer period is completed and You have not cancelled Your subscription during such period as provided below. If You upgrade to a new monitoring subscription during a free trial, You will lose all benefits to the trial and will be billed immediately for the upgraded service. If You wish to continue Your subscription, You simply do nothing and Your subscription will automatically continue without interruption. The monthly fee (plus sales tax, if applicable) will be charged at the conclusion of any free trial period to the credit card or bank account You designated as Your preference. To cancel your subscriptions please contact our Customer Service Team. You may cancel your trial membership at any time during the free trial period without charge or further obligation by calling our Customer Service Center at 1-877-583-0929.
When You become a Member, You understand that it is a membership that automatically renews itself every month indefinitely without action by the Member. The monthly membership fee will be billed to the credit, debit or bank account designated by You. Should the billing fail to authorize, You will be notified via email immediately. All benefits and services will be suspended until payment is received provided payment is received within twenty-five (25) days. If payment is not received within twenty-five (25), Your membership will be cancelled. Should You decide to cancel Your subscription, a customer service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current month. Any free trial is available one time only per customer. Once any free trial has been canceled all subsequent orders will be billable at the prevailing monthly subscription rate.
Authorization to Use of Personal Information
You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit information from one or more credit reporting agencies; (ii) non-public personal information, personal information, and/or highly restricted personal information about or concerning You as defined by the Gramm-Leach-Bliley Act (15 U.S.C. sec 6801 et seq); and (iii) other personal information. By placing Your order You acknowledge and agree that Your access to the Products and any consumer credit information contained therein is subject to Your prior written authorization and Our verification of Your identity. As such, You understand and agree that by submitting Your order, You are providing written instructions in accordance with the Fair Credit Reporting Act ("FCRA") for Us to obtain credit information from the personal credit report maintained by one or more nationwide credit reporting agencies and You hereby authorize Us to access Your personal credit information in order to provide Products to You.
Warranties and Disclaimer of Warranties and Liabilities
OUR SITE, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE. IT IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER Auto Search and Loans NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH OUR SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, PRODUCTS OR SERVICES OR THAT OUR SITE, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, Auto Search and Loans AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT ACCESS TO AND USE OF OUR SITE, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER Auto Search and Loans NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
You will indemnify and hold Us and the affiliated persons harmless from and against actual loss, costs, liabilities and expenses (including reasonable attorneys' fees) resulting from Your breach of this Agreement, Your use of this site or any Product or any information contained in this site or provided by Us, or Your infringement of any intellectual property or other right of any person or entity.
By using our site, becoming a Member, or purchasing any of Our Products, You agree that We may use and share Your personal information in accordance with the terms of our Privacy Statement. In the event You indicate the desire to receive offers from Auto Search and Loans, Your information may be used to provide relevant ads when You visit the site.
Certain Products and/or Product features may not be offered, applicable or available to You based on residency, age or other eligibility criteria or factors. In the event that a Product is not available at the time of enrollment, You will be notified during the course of the registration process and your registration will not be accepted. In such cases, You may be advised of one or more alternative Products, to the extent that other Products are available. You agree that We will not be liable to You for loss or damage that may result from Our rejection of any order that You may attempt to place.
Fair Credit Reporting Act
The Fair Credit Reporting Act allows You to obtain from each credit reporting agency a disclosure of all the information in Your credit file at the time of the request. Full disclosure of information in Your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through Our site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.
Policy Regarding Children
We define children as individuals under the age of sixteen (16) years of age. This web site is not intended for the use of children and we do not intend to collect information about children through the web site. You must be at least eighteen (18) years of age to access any products through this website or to join Auto Search and Loans as a Member.
You should send any notices or other communications regarding this site, Products or services to Auto Search and Loans, 401 Hall Street, Suite 330, Grand Rapids, MI 49503. Except as otherwise provided, We may send any notices to the most recent e-mail address You have provided to us or, if You have not provided an e-mail address, to any e-mail or postal address that We believe to be Your address.
This Agreement constitutes the entire agreement between the parties pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties are null and void.
If any portion of this Agreement is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.
You represent that you have read this Agreement and Auto Search and Loans’s Privacy Statement, understand their terms, and agree and intend to be legally bound by them. You acknowledge that, in providing you with quality Products and Your membership, Auto Search and Loans has relied on Your agreement to be bound by the terms of this Agreement.
The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Michigan and applicable federal law, without regard to any conflict of law provisions. Auto Search and Loans can provide credit reports only for individuals who have established credit in the United States. Those who choose to access this site from outside the United States do so on their own initiative and are responsible for compliance with local laws. You agree that any and all disputes arising under this Agreement, if submitted to a court of law, shall be submitted to the state and federal courts of Kent County, Michigan, USA.