PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.

Before using this site, please carefully review these terms and conditions of use. By accessing and using any of the services provided by LowCoastAuto.com, as well as any other websites where these terms and conditions are posted, you acknowledge that you agree to these terms and conditions, which include binding arbitration (outlined in Section 2 below), the LowCoastAuto.com Privacy Policy, E-Sign Consent, and any operating rules, policies, and procedures that may be published on this site from time to time (collectively referred to as the “Terms”). Note that these terms contain provisions that govern the resolution of disputes between us and you, and limit our liability to you.

If you do not agree to these terms and conditions, you may not access or use the site or any of its content. These terms constitute a legally binding agreement between you and LowCoastAuto.com, the operator of the site (referred to as “we,” “us,” or “our”). Our affiliates, agents, successors, and assigns are also included in these terms. The site is intended for use only by individuals who are 18 years of age or older and who can form legally binding contracts under applicable law. By accessing and using the site, you represent and warrant that you have the authority to bind the user (defined below) to these terms and that your use of the site, including the provision or use of any content, does not violate any applicable law.

.Our Services

LowCoastAuto.com acts as a portal to help insurance agents, insurance companies, lead aggregators, and other similar parties (referred to as “Providers”) offer insurance and other products for sale to potential consumers who have applied for insurance or other authorized quotations from a Provider (referred to as “Prospects”). All Prospects and potential Prospects who use the site are collectively referred to as “Users” (also referred to as “you” or “your”). With a Prospect’s authorization, we may collect certain information (referred to as a “Lead”) about the Prospect and sell the Lead to a Provider. Please note that we are an independent contractor and are not responsible for the legality, safety, or quality of the products offered for sale by a Provider, the accuracy or truthfulness of the representations made about the products, the ability of Providers to sell the products, or the ability of Prospects to pay for the products. With the exception of certain life insurance transactions, we do not issue insurance contracts or bind coverage, and we do not endorse or recommend any Providers or insurance policies or other related products offered by such Providers. With the exception of certain life insurance transactions, we do not provide any type of insurance, tax, financial, legal, or any other advice. We do not guarantee that any Providers to whom we send a Prospect’s application will contact the Prospect or agree to provide the Prospect with the requested insurance coverage. If you need personal advice or insurance policy recommendations, please consult with a qualified professional. Please note that we do not offer or sell any insurance or other products shown on the site.

Dispute Resolution by Binding Arbitration

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. You agree to attempt in good faith to settle any dispute or claim that has or may arise between us, which arises out of or relates in any way to these Terms or your use of the Site or the Content, including, without limitation, any dispute or claim between you and a Provider (each, a “Claim”), by way of consultations between you and LowCoastAuto.com, which consultations will be initiated upon written notice by any party to the other (the “Consultation Notice”). The Consultation Notice must describe the nature and basis of the Claim and set forth the specific relief sought (“Demand”). If such Claim cannot be resolved within thirty (30) days after the Consultation Notice is received, any party to the consultations may initiate an arbitration proceeding upon written notice to the other party in accordance with this Section 2. Any notice to LowCoastAuto.com under this Section 2 should be addressed to: compliance@lowcoastauto.com (“Notice Address”).

You agree to arbitrate all Claims between you and LowCoastAuto.com, or any Provider, that cannot be amicably resolved in accordance with the foregoing paragraph. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: (a) claims arising out of or relating to any aspect of your relationship with LowCoastAuto.com, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; and (b) claims that could be alleged as class action Claims (and you agree to waive the right to participate in a class action in accordance with this Section 2). For the avoidance of doubt, references in this Section 2 to “Site operator,” “Provider,” “we”, “Prospect”, “you,” and “us” include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, as well as all authorized or unauthorized users or beneficiaries of the services, information or Site Content available through the use the Site. This arbitration agreement does not preclude you from bringing an individual action in small claims court if your claims qualify, and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. Further, this arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, including, for example, the Federal Communications Commission or the Federal Trade Commission.

You agree that, by entering into this arbitration agreement, you and LowCoastAuto.com are each waiving our respective rights to a trial by jury or to participate in a class or representative action, and that arbitration of disputes pursuant to this Section 2 shall be in your individual capacity. THIS MEANS YOU ARE LIMITING YOUR RIGHT TO APPEAL AND ARE WAIVING YOUR RIGHTS TO OTHER AVAILABLE RESOLUTION PROCESSES, SUCH AS A COURT ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE, COMBINE, OR JOIN THE CLAIMS OF OTHER PARTIES WHO MAY BE SIMILARLY SITUATED OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. You acknowledge and agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of this Agreement.

Unless otherwise mutually agreed by the parties to the arbitration, any arbitration hearings under this Section 2 will take place in the county where you are domiciled. If your Claim is for $5,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your Claim exceeds $5,000, the right to a hearing will be determined by the AAA Rules. Except as otherwise provided for in this Section 2, in any arbitration between you and LowCoastAuto.com under this Section 2, all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above where Claims for damages do not exceed $10,000 shall, at your written request, be paid by LowCoastAuto.com. Any request for payment of fees by LowCoastAuto.com shall be submitted by mail to the AAA along with your demand for arbitration, and LowCoastAuto.com will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, LowCoastAuto.com will pay as much of the filing, administration and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If, however, the arbitrator finds that either the substance of your Claim or the relief sought in the Demand is frivolous or brought for an improper purpose, you agree to reimburse LowCoastAuto.com for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules.

The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. The arbitrator shall not be bound by rulings in prior arbitrations involving LowCoastAuto.com’s other Users, but is bound by rulings in prior arbitrations involving the same User to the extent required by applicable law.

With the exception of the provision in the preceding paragraph prohibiting class arbitration or representative proceedings, if an arbitrator or court decides that any part of this Section 2 is invalid or unenforceable, the other parts of this Section 2 shall still apply to the maximum extent possible. In the event that the foregoing prohibition on class arbitration or representative proceedings is deemed invalid or unenforceable, then the entirety of this Section 2 shall be null and void. The remainder of the Terms, including, without limitation, Section 16 (Choice of Law and Forum), will remain in force.

You may opt-out of this arbitration provision only by written notice to LowCoastAuto.com at the Notice Address (compliance@LowCoastAuto.com) within thirty (30) days of your acceptance of this agreement, which notice shall include your name, address, and a clear statement that you do not wish to resolve disputes with LowCoastAuto.com through arbitration.

If LowCoastAuto.com makes any change to this arbitration provision (other than a change to the Notice Address) during the term of your relationship with LowCoastAuto.com, that change shall not apply to any Claim against LowCoastAuto.com initiated prior to the effective date of the change. The change shall apply to all other Claims that have arisen or may arise between you and LowCoastAuto.com. LowCoastAuto.com will notify you of changes to this arbitration provision by posting the amended terms on the Site or by email, in each case at least thirty (30) days before the effective date of the changes.

Notwithstanding anything to the contrary in these Terms, Providers shall be third-party beneficiaries of the rights to dispute resolution and arbitration set forth in this Section 2, and each Provider shall have the right to enforce this Section 2 against Users as if such Provider were a party to the agreement set forth in this Section 2 in the event of any dispute or claim between you and such Provider based on or relating to any transaction or interaction between you and such Provider that is enabled by or arises in connection with your use of the Site.

DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THE FOREGOING BINDING ARBITRATION PROVISIONS.

Personal Use

We do not charge Users to access the Site. We grant each User a limited, revocable, non-exclusive license to access the Site and the text, images, maps, files, photos, information and other materials on the Site (the “Content”) in order to view, access or make inquiries to us regarding our services, in accordance with these Terms. Any other use of the Site is expressly prohibited. This limited license does not include any right of display, copying, aggregation, collection, or derivative use of the Site nor any right of use of spiders, data mining, robots, or similar data extraction and gathering tools without our prior express written permission. Any rights not expressly granted herein are reserved by us.

Downloading of Information from the Site and Proprietary Rights

All Content and the Site itself are protected by copyright and database rights as a compilation and/or collective work, pursuant to U.S. copyright laws, other copyright laws, trademark laws, and international conventions. The Content is only for each User’s personal use in accordance with Section 3 (Personal Use). All Users agree to abide by these Terms and any and all additional information, restrictions, or copyright notices contained in or relating to any Content on the Site. Copying or storing any Content other than for noncommercial, personal use is expressly prohibited without prior written permission from us or the applicable copyright holder. You acknowledge and agree that LowCoastAuto.com and its respective affiliates own the data gathered by the Application. By displaying, publishing, or otherwise posting Content on or through the Site, you hereby grant to LowCoastAuto.com a non-exclusive, sub-licenseable, irrevocable, worldwide, fully-paid, royalty-free license to use, modify, publicly display, reproduce, publish, and distribute such User Content in any and all media now known or hereafter developed without the requirement to make payment to you or any third party or to seek your or any third party’s permission.

Unless otherwise provided herein, or unless otherwise allowed under applicable law, you may not do any of the following without our prior written consent when using LowCoastAuto.com:

Upload, post, display, copy, republish, reproduce, transmit, or distribute any content in any form whatsoever;

Reproduce any portion of the website on your own website or using any device, including but not limited to using a border or frame environment around the website, or other framing technique to enclose any portion or aspect of the website, or replicate or mirror any portion of the website;

Reverse engineer, disassemble, copy, or duplicate any part of the website;

Modify, translate into any written or computer language, or create derivative works or translations from any content or part of the website;

Offer for sale, sell, license, or transfer, in any form, any portion of the website to any third parties;

Use any spider, robot or other automated device or automated or manual process to copy, monitor, or keep a database copy of the content or any portion of the website;

Use the website other than to make legitimate inquiries to us regarding our services or to learn about our services;

Use the website to create any fraudulent or false inquiry or account;

Transmit or post any abusive, threatening, unlawful, defamatory, libelous, false, misleading indications of origin or statements of fact, vulgar, obscene, indecent, sexually explicit, pornographic, profane, or inflammatory material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law or for any other purpose that is unlawful or prohibited by these Terms;

Access or use the website in any way that, in our sole discretion, adversely affects the function or performance of the website or any other networks or computer systems used by us or the website, or infringes on our or any third party’s trademark, copyright, patent rights, rights of privacy or publicity or any other proprietary rights;

Transmit or upload to the website, or use in connection with the website, any software, device or routine that contains viruses, worms, time bombs, Trojan horses or other computer programming routines that may interfere with or attempt to interfere with, damage or in any way intercept the normal operation of the website, or appropriate the website or any system, or take any action that imposes an unreasonable load on our computing platform;

Circumvent any encrypted data or gain access to more materials or data than was licensed or use the website in any manner which violates these Terms or any applicable laws; or

Attempt to gain unauthorized access to the website or any computer system used to provide the website, circumvent any access restriction or security measures with respect to the website, or disclose your access information or otherwise give access to the website to any third party.

Unauthorized access to and/or use of the website, or the telecommunications or computer facilities used to deliver the website, is a breach of these Terms and is a violation of law. Further, unauthorized access to and/or use of the website may result in your license to use the website being terminated immediately, and you may be denied future participation in any services offered by LowCoastAuto.com. Your internet service provider and/or mobile carrier may also remove you from their services in response to violations of these Terms applicable to the website. If you are or become aware of or experience any content, activity or communication through or in connection with the website that appears to be in violation of the above, or in violation of any other provision of these Terms, we ask that you please inform us of any such violation by sending notification to legal@lowcoastauto.com.

Site Changes

LowCoastAuto.com reserves the right to modify, terminate, or suspend any aspect of the site, including access to certain features or content, without prior notice or liability.

Our Privacy Policy

By using LowCoastAuto.com, you agree to our Privacy Policy, which outlines how we collect, use, and protect your personally identifiable information.

Identity Verification

We urge all users to exercise caution when engaging with others on the site or the internet in general.

Limitation of Liability

LowCoastAuto.com, its officers, directors, shareholders, and employees, as well as any application marketplace providers, are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the site or any transactions facilitated by it. This applies regardless of whether the damages arise from breach of contract, tort, negligence, statute, or any other cause of action. In no event shall our liability exceed the greater of the fees received from you during the month in which the claim accrued or $200. Any legal action related to your use of the site must be commenced within one year of the claim or cause of action. This limitation of liability may not apply to residents of certain jurisdictions where such exclusions or limitations are prohibited by law, and it does not apply to residents of New Jersey in cases of negligence, fraud, reckless acts, intentional misconduct by LowCoastAuto.com.

DISCLAIMER

THE SITE, INCLUDING ALL CONTENT, SERVICES, FUNCTIONS, SOFTWARE, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND LowCoastAuto.com DOES NOT OFFER MAINTENANCE OR SUPPORT SERVICES FOR ANY PORTION OF THE SITE, INCLUDING THE APPLICATION. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE SERVICES, INFORMATION, FUNCTIONS AND MATERIALS AVAILABLE THROUGH THE SITE, FOR ANY SERVICES OR PRODUCTS OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, WE EXPRESSLY DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY SERVICES, CONTENT OR MATERIALS CONTAINED THEREIN WILL MEET YOUR NEEDS, BE COMPLETE OR ACCURATE, BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT USER’S OWN DISCRETION AND RISK, AND USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO USER’S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA. NO INFORMATION OBTAINED BY USER THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Release

In the event that you have a dispute with any Provider, Prospect, or other third party, including without limitation any other user of the Site, arising from or in connection with the use of the Site, you hereby agree to release, remise, and forever discharge LowCoastAuto.com and its agents, directors, officers, employees, shareholders, and all other related persons or entities from any and all manner of rights, complaints, demands, claims, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such dispute or your use of the Site. If you are a California resident, you hereby waive California civil code section 1542, which says: “a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.” If you are a resident of a state other than California, you explicitly waive the terms and protections of any statute of your state that has a similar import or intent.

Indemnity

You hereby agree to indemnify, defend, and hold LowCoastAuto.com and its agents, directors, officers, employees, shareholders, and all other related persons or entities (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs (including reasonable attorneys’ fees and court costs) incurred by the Indemnified Parties in connection with any claim arising out of your use of the Site or the Content thereon (including, without limitation, as a result of any transaction or interaction between you .is allegedly infringed.

LowCoastAuto.com is committed to protecting the intellectual property rights of others and expects our users to do the same. If you believe that any content on the LowCoastAuto.com website infringes your copyright or trademark, please follow the procedures outlined in the Digital Millennium Copyright Act (DMCA). You may submit a notification to our designated copyright agent that includes the information required by 17 U.S.C. § 512(c)(3).

Please note that LowCoastAuto.com does not offer maintenance or support services for any part of the website, including the application. The website, including all content, services, functions, software, materials, and information made available on or accessed through the site, is provided on an “as is, as available” basis. We make no representations or warranties of any kind, including without limitation, non-infringement, title, merchantability, and fitness for a particular purpose.

You acknowledge and agree that LowCoastAuto.com is not responsible for any disputes or claims that may arise between you and any provider, prospect, or other third party, including other users of the site, arising from or in connection with the use of the site. By using the site, you release and forever discharge LowCoastAuto.com and its agents, directors, officers, employees, shareholders, and all other related persons or entities from any and all manner of rights, complaints, demands, claims, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such dispute or your use of the site.

You agree to indemnify, defend, and hold LowCoastAuto.com and its agents, directors, officers, employees, shareholders, and all other related persons or entities harmless from and against any and all liability and costs (including reasonable attorneys’ fees and court costs) incurred in connection with any claim arising out of your use of the site or the content thereon, any information or data you access or provide through the site, and any act or failure to act by you or other users of your account or any breach by you of these terms.

LowCoastAuto.com does not permit copyright or trademark infringing activities and other infringement of intellectual property rights on the site. We will remove or modify any content if we are properly notified that such content infringes on another’s intellectual property rights. If you believe that any content on the LowCoastAuto.com website infringes your copyright or trademark, please follow the procedures outlined in the Digital Millennium Copyright Act (DMCA).

Proprietary Rights Notification

LowCoastAuto.com does not allow for any activities that infringe on intellectual property rights on the Site, including copyright or trademark infringement. If you are a copyright or trademark owner or an agent thereof and believe that any Content in any public area of the Site infringes upon or otherwise conflicts with your proprietary rights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our copyright agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Identification of the proprietary work claimed to have been infringed, or, if multiple proprietary works are covered by a single notification, a representative list of such works;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material;

Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and an electronic mail address;

A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the owner, its agent, or the law; and

A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please contact our designated Copyright Agent at compliance@lowcoastauto.com to send notifications of claimed infringement. For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to our customer service through the Contact Us area of the Site. You hereby acknowledge and agree that if you fail to comply with all of the requirements listed above, your DMCA notice may not be valid.

Trademarks

Our logo and our other product and service names are our trademarks (the “Marks”). You agree not to display, reproduce or otherwise use in any manner such Marks without our prior written permission.

Choice of Law and Forum

LowCoastAuto.com is a California Corporation, and this agreement is governed by the laws of the State of ((STATE)), United States of America, excluding its choice of law rules. Subject to Section 2 (Dispute Resolution By Binding Arbitration), you irrevocably agree that such jurisdiction and venue will be the sole and exclusive jurisdiction and venue in ((ADDRESS))of any legal dispute. You covenant not to sue us in any other forum for LowCoastAuto.com, located ((ADDRESS)), will send any notices to you via the email address you have provided. If the email address is invalid, we may alternatively send notice to the address you have provided via certified mail, postage prepaid and return receipt requested. Notice will be considered received upon receipt or 24 hours after email is sent. If notice is sent via certified mail, it will be considered received three days after the date of mailing.

Amendments

We reserve the right to modify, add, remove, or change any part of these Terms at any time, effective immediately upon posting on the Site. Your use of the Site following the posting of any changes will indicate your acceptance of such changes. These Terms may not be modified except in writing signed by both parties. No delay or failure to exercise any right or remedy shall be deemed a waiver, and no waiver shall be valid unless in writing and signed by the party to be charged. These Terms, including the E-Sign Consent and binding arbitration, and the Privacy Policy constitute the entire agreement between us and Users regarding the matters addressed herein.

Links to Third-Party Sites

LowCoastAuto.com may contain links to other websites. We are not responsible for the availability or content of these external sites, and do not endorse or assume any liability for any content, advertising, products, or other materials on or available from such sites. Use of such external sites is at your own risk, and LowCoastAuto.com shall not be responsible or liable for any damages or losses arising from such use.

Partial Invalidity

If any provision of these Terms is found to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions.

Acknowledgement

By using LowCoastAuto.com, you acknowledge that you have read and understand these Terms and that they have the same force and effect as a signed agreement. These Terms do not confer any rights upon any third party.

E-Sign Consent

By clicking the “I agree” button, you consent to and agree that: (i) “You” and “your” refer to you, the User; (ii) “We,” “us,” and “our” refer to the Site operator and its affiliates (including, without limitation, LowCoastAuto.com), agents, successors and assigns.

y cause of action. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of any such right or provision. Subject to Section 2, if for any reason a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.

We can provide you with legally required disclosures and other information regarding your legal rights and responsibilities electronically. Your electronic signature on agreements and documents holds the same weight as a signature in ink.

At LowCostAuto.com, we are able to send all communications and disclosures, including the E-Sign Consent, telephone and email contact consent, Privacy Policy and Terms of Use (collectively referred to as “Disclosures”) to you electronically through email or via a designated website. If you require a paper copy, you may print or download the information for your records.

This E-Sign Consent applies to your use of products and services offered by LowCostAuto.com, all future disclosures, and future transactions. By agreeing to this consent, you allow us to provide you with other disclosures via email unless you withdraw your consent by following the procedure described below.

To access and retain electronic Disclosures, you will need a computer with an internet connection, a web browser with 128-bit encryption, a valid email address, and sufficient storage space to save past disclosures or a printer to print them. If your email address book blocks or reroutes emails from senders not listed in your address book, please add LowCostAuto.com to your address book.

You may request paper copies of the Disclosures at any time at no charge by contacting LowCostAuto.com. Withdrawing your consent will only be effective after a reasonable processing period. If you withdraw your consent, LowCostAuto.com may cancel your account.

You may update your email address to which we send alerts regarding available Disclosures at any time by contacting us at compliance@LowCostAuto.com.

By consenting to receive electronic Disclosures, you agree that they hold the same meaning and effect as paper Disclosures. When we notify you that Disclosures are available through email or other electronic notifications, they hold the same meaning and effect as paper Disclosures, even if you choose not to view them, unless you previously withdrew your consent to receive Disclosures electronically.

You acknowledge that Disclosures are considered received by you within 24 hours of being posted to our website or sent via email unless we receive notice that your email address is invalid. We reserve the right to cancel this electronic Disclosure service, change the terms of use, or send Disclosures in paper form at any time.

We are responsible for sending notice of Disclosures electronically to the email address you have provided but are not liable for any delay or failure in your receipt of email notices.

If you have any questions regarding these Terms, please contact LowCostAuto.com by clicking here or calling 855-522-3444.

This website is governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws. Any dispute regarding this website shall be subject to the exclusive venue of a court of competent jurisdiction in Los Angeles, California.