Privacy Policy

A. ) GENERAL CONSENT(S)

The Auto Experts company may disclose your personal information in connection with your relationship and transactions with us, as outlined in this Privacy Policy or as permitted by law. The Auto Experts company may disclose your personal information based on explicit or implicit consents provided by you during your interactions and transactions with us.

B.) ASSIGNED DEALING(S)

The Auto Experts company refers you to an independent business (such as a car dealer, lender, or credit card company) for a potential transaction (such as buying a vehicle, applying for a loan, or a credit card), The Auto Experts Company may share your personal information (including your credit score provided to The Auto Experts Company, bank account details, and related information) with the independent business to facilitate the transaction. The Auto Experts Company does not control or bear responsibility or liability for how the independent business uses, discloses, or retains your personal information. The use, disclosure, and retention of your information by the independent business are not governed by this Privacy Policy.

C.) LEGAL DISCLOSURES

The Auto Experts Company may disclose your personal information as required or permitted by law, such as in response to a subpoena, warrant, court or arbitral order, or legal disclosure obligation. Additionally, The Auto Experts Company may disclose your personal information to law enforcement agencies or other independent organizations if deemed necessary for reasons including national security, law enforcement, or significant public matters. Such disclosures may also occur if deemed necessary to protect and uphold The Auto Experts Company’s legal rights, interests, and remedies, or to safeguard the rights, interests, business, operations, or customers of The Auto Experts or others.

The Auto Experts Company does not control, assume responsibility for, or bear liability regarding how such agencies, independent organizations, or other recipients handle, disclose, or retain your personal information under these circumstances. Their actions are not governed by this Privacy Policy.

D.) PERSONAL INFORMATION RETENTION & ACCESS

The Auto Experts retain your personal information for the duration reasonably necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal obligations as permitted by applicable law. The Auto Experts will delete or dispose of your personal information when it is no longer reasonably required for the purposes specified or referenced in this Privacy Policy.

The Auto Experts may process, store, and use your personal information at facilities in Canada.

The Auto Experts employ reasonable safeguards, including administrative, physical, and technical measures, appropriate to the sensitivity of the personal information in its possession or control to protect it from unauthorized access, collection, use, disclosure, disposal, or similar risks. However, security risks cannot be entirely eliminated, and The Auto Experts cannot guarantee that your personal information will not be used, disclosed, or deleted in ways not outlined in this Privacy Policy.

The Auto Experts relies on you to ensure that the personal information you provide is accurate, complete, and up-to-date as necessary for its intended purposes. Please promptly notify the The Auto Experts of any changes to your personal information by contacting customer service. You may request access to your personal information collected by The Auto Experts and obtain details about its use, disclosure, and retention by submitting a written request to

The Auto Experts Operations Manager using the contact information provided below.

Subject to applicable exceptions and legal limitations, you will be granted reasonable access to your personal information, allowing you to verify its accuracy and completeness and to request revisions if necessary. A reasonable fee may be charged for access to your personal information. The Auto Experts may decline to process requests that are excessively repetitive, frivolous, impractical, infringe on the privacy of others, or for other reasons permitted by law.

The Auto Experts generates and collects non-personal information (data that does not pertain to an identifiable individual), including personal information that has been aggregated or depersonalized so that it no longer relates to an identifiable individual. The Auto Experts may use, disclose, transfer, and retain non-personal information for any purpose and in any manner. If non-personal information is combined with personal information, The Auto Experts will treat the combined data as personal information under this Privacy Policy for as long as they remain combined.

(1.) CREDIT ACCESS & REPORT(S)

When you apply for, register for, or use certain products or services from The Auto Experts , we may obtain and periodically update your credit score and related information from a credit reporting agency to process and fulfill the transaction. We will inform you if we obtain a report and provide the name and address of the credit reporting agency that provided the report.

You also acknowledge and agree that any dealers, persons, or organizations we share your personal information with under this Privacy Policy may request a credit report for legitimate purposes related to your application for credit, extending credit, modifying credit terms, debt collection, or similar services/products.

E.) THE COMPANY BUSINESS & WEBSITE

The Auto Experts Company’s websites and correspondence (including emails and messages) may feature advertisements for products and services (e.g., vehicle sales, personal loans, and credit cards) offered by independent businesses (which may have a financial relationship with The Auto Experts Company) or links to websites operated by these independent businesses (e.g., car dealers, lenders, and credit card providers). The Auto Experts Company has no responsibility or liability for, or control over, these other websites, online services, or businesses, their products or services, or their collection, use, disclosure, or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure, and retention of your personal information by those websites, online services, and independent businesses. If you have questions about how those websites, services, or businesses collect, use, disclose, or retain personal information, please contact the respective owner or operator.

F.) LIMITATION OF LIABILITY, POLICY CHANGES AND DISPUTE RESOLUTION

When you use The Auto Experts Company’s products or services, you agree to the terms and conditions outlined in our agreements, including subscription agreements, membership agreements, and terms of service or use. These agreements include important provisions that limit our liability and the liability of third-party service providers, as well as specify the governing law and jurisdiction for resolving disputes. To the extent permitted by law, these provisions also apply to any disputes related to this Privacy Policy and the way we collect, use, disclose, and retain your personal information. Note that this Privacy Policy does not alter or modify any other agreements you have with us.

This Privacy Policy may be updated by The Auto Experts Company at any time by posting a new version on our website. The collection, use, disclosure, and retention of your personal information will be governed by the current version of this Policy. By continuing to interact with us after any changes are made, you acknowledge your consent to the new Policy and how we collect, use, disclose, and retain your personal information. Please check the “Last Updated” date at the top of this Policy and review any changes since the last version to stay informed.

G.) YOUR PERSONAL INFORMATION,COLLECTED & CONSENT

By sharing your personal information with The Auto Experts, you agree to allow us to collect, use, disclose, and retain that information in accordance with this Privacy Policy and as permitted by applicable laws. You can withdraw your consent at any time, subject to any legal or contractual obligations and with reasonable notice to us. However, if you withdraw your consent, you may no longer be able to complete your intended interactions or transactions with us, or fully utilize our products and services.In this Privacy Policy, “personal information” refers to any information that identifies or can be used to identify an individual, such as their name, email address, or other contact details. This does not include publicly available information, such as

directory listings, or business contact information that only allows communication at a work setting.

When you interact with The Auto Experts, either orally, in writing, or electronically, you may be asked to provide personal information. This can happen when you apply for an account or membership, sign up for a newsletter, register for information, or order a product or service from us. While you’re not required to provide all requested personal information, choosing not to may limit your ability to complete your intended interaction or receive the full benefits of our product or service.Please note that when you call us, our conversations will be recorded for quality and accuracy purposes. These recordings may be shared with third parties to ensure we’re meeting our contractual obligations. If you prefer not to have your calls recorded, you can opt to communicate with us in writing or through electronic transmission instead.

(H.) SMS MESSAGING & CALL

By continuing to receive updates and communications from us, you consent to receive automated calls and texts fromThe Auto Experts, including but not limited to: (i) transactional messages about your account and application status, (ii) promotional offers and marketing messages, and (iii) reminders and notifications. Standard messaging rates may apply. You can opt out at any time by responding STOP.