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Financing agreement

Repokar.com is Not a Lender

Repokar.com is not a lender or originator of loans or credit decisions with regard to financing for vehicles. We are also not an automobile dealership or brokerage. Our Financing program is a Consumer Connection service designed to help our customers connect with companies that are interested in helping facilitate or provide financing for vehicles. When you fill out our Credit Application form, we will forward it to one or more of our affiliate partners who will contact you and try to assist you with financing. Note that these lender or dealer affiliates may use the Credit Application form as a true credit application so it is important that you fill out the information completely and accurately. Our service is free to the consumer. We are compensated by the lender or dealer affiliates in our network for making the connection between them and a consumer. In addition, there is absolutely no obligation on the consumer's part to work with the lender or dealer affiliate(s) to which we connect them.


Limitations of Liability

Neither repokar.Com, nor any of its owners, partners, affiliates, licensors, or licensees shall have any liability for any or all errors, omissions, inaccuracies, or any other defects in the information and content provided on repokar.Com. In no event shall repokar.Com, its owners, partners, affiliates, licensors, or its licensees or providers, be liable to you or anyone else for any damages, other than direct damages, arising out of your access to or use of, or inability to use, repokar.Com or any content, products or services made available through repokar.Com, including, without limitation, any special, indirect, consequential, punitive, exemplary or similar damages whatsoever, including, without limitation, damages for lost revenues or profits, or loss of business or data, even if repokar.Com or any such other person has been advised of the possibility of such damages. 

You also acknowledge and agree that, without limitation to the foregoing, the entire liability, if any, of RepoKar.com, its owners, partners, affiliates, licensors, and licensees arising out of any kind of legal claim, whether in contract, tort, or under any other legal theory, arising out of your access to, or use of, or inability to use, RepoKar.com or any content, information, products or services made available through RepoKar.com will not exceed the amount that you paid to RepoKar.com, if any, for (i) the use of RepoKar.com or (ii) the amount that you paid for such information, products, or services.

Because some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, the previous disclaimer, exclusion, and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

Release and Indemnification

You agree to release, defend, and hold harmless RepoKar.com, its owners, partners, affiliates, licensors, and licensees from and against any and all claims, costs, demands, losses, damages, and expenses, including, without limitation, attorney’s fees, arising from or relating to: (i) your breach of this Agreement of Usage or for any matter for which you are responsible or liable under the terms of this Agreement of Usage, or (ii) any dispute between you and any third-party, including, without limitation, any other user, any advertiser, or any party to any actual, prospective or terminated sale or transaction. Note: if you are a California resident, you agree to waive California Civil Code Section 1542, which states: “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.”


Collection and Use of Customer Data

Please note that any and all personally identifiable information provided to us by you in your electronic communications to RepoKar.com is governed by the RepoKar.com Privacy Policy. The Privacy Policy is available on this Web Site. For a more complete description of our collection and use of personally identifiable information and other data, please read the Privacy Policy the terms of which are incorporated in this Agreement of Usage by reference.


Express Consent to be Contacted under the Telephone Consumer Protection Act (TCPA)

You acknowledge and agree that by filling out the required data and pressing any of the submit buttons, you give express consent to RepoKar.com and up to five (5) lenders, auto dealers, and/or other affiliates to contact you to help with processing your financing request and/or to provide other relevant offers. You also give express consent that RepoKar.com and these lenders, dealers, and/or other affiliates may contact you using automated dialing systems, text messages, automated and/or pre-recorded messages to any of the phone numbers provided by you even if the phone number(s) is/are on any corporate, state, or federal "Do Not Call" list. Note that consent is not required to receive services but it may be more difficult for RepoKar.com to place your financing application if you choose to decline this consent using the "decline" option on the RepoKar.com application form.


Use of Credit Reports

You acknowledge and agree that by filling out the required data on the RepoKar.com Credit Application, and by submitting that Financing Request through RepoKar.com you are affirming on behalf of the stated Applicant(s) the following: "I authorize any and all credit/finance partners and its employees, agents, and potential assignees to access, obtain and verify information about me (including one or more credit reports, information about my employment and banking, and credit relationships) that any of them may deem necessary or appropriate in evaluating my request for financing. I affirm that the Credit Application form may be used as a credit application by a lender or dealer affiliate. If my Credit Application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate purpose. I further understand that multiple credit reports may be obtained by multiple credit/finance partners in an attempt to process my request for financing.” I understand that by checking the box “A cosigner is available if necessary” that I may be asked to provide additional information about the individual named as cosigner and the cosigner will be asked to provide authorization to access and obtain the cosigner’s credit report.

State Law Disclosures

California Applicants:

In order for us to ensure compliance with the California Financial Privacy Act, if you are a California resident and wish to opt-out from the disclosure of your personal information to any third party for marketing purposes, please feel free to contact us at auctions@repokar.com Note that married applicants may apply for separate credit. An applicant who is married may include his or her spouse’s income even when he or she is applying for a separate account.

Data Security Measures

Repokar.com uses reasonable electronic, business procedural, and physical methods to protect, safeguard, and help prevent unauthorized access to user's data.



Questions or Concerns

Thank you for reviewing our Agreement of Usage. Should you have any questions about this agreement, please contact us at auctions@repokar.com.