Terms and Conditions

Effective Date 1/1/2025

‍

This service is hosted by Yield Solutions Group d/b/a RefiJet (hereafter collectively referred to
as “RefiJet”, “we”, “us”, and “our”). Please review the following terms of service (the
“Terms”) concerning your use of and access to the RefiJet website located at
www.RefiJet.com, https://refinancemycar.refijet.com/, and any other website operated by
RefiJet (“Website”), and any products or services offered therefrom (collectively referred to
hereafter as, the “Services”). By accessing, using, or downloading any materials or content
from RefiJet or via the Services, you agree to follow and be bound by the Terms, which
constitute a legal agreement between us and you. If you do not agree with the Terms, then
you should not use the Services. Note that these Terms govern your use of the Website and
Services. Your loan documents will contain the terms that are specific to that finance
transaction.
Certain portions of the Website will be accessible to you without requiring you to accept these terms. However, in order to access many of the Services, you will be required to demonstrate your agreement to these terms by reviewing the terms and indicating your acceptance as part before you can continue. In addition, if you do not also accept the authorization to submit your information (“authorization”) and consent to our Website Privacy Policy (the “Website Privacy Policy”), our Gramm-Leach Bliley Act Privacy Notice (“Privacy Notice”) and e-SIGN requirements (“eSIGN Policy”), your use of the services may be limited.

‍You represent that you are at least the age of majority in your state. You agree to
provide accurate, truthful, current, and complete information when using the
Services.

You may browse portions of this Website without submitting information about yourself. If you elect to submit information about yourself, you must provide complete and accurate information as prompted by the applicable form and any subsequent verbal interactions. It is possible you will have to log into a secure online portal to complete the form process and/or any application for a subsequent loan. If you do, you will establish log-in credentials and you will be required to agree to these Terms, our Privacy Notice, and Electronic Consent along with other disclosures and/or consents. You are entirely responsible for maintaining the confidentiality of your username and password. You agree to immediately notify us of any known or suspected unauthorized use of your password, username or account or any other breach of security of which you become aware. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY LOSS THAT YOU MAY INCUR AS A RESULT OF SOMEONE ELSE USING YOUR PASSWORD, USERNAME OR ACCOUNT, EITHER WITH OR WITHOUT YOUR KNOWLEDGE, OR FOR ANY INACCURACIES IN THE DATA YOU PROVIDE, OR FOR YOUR PROVISION OF INCOMPLETE DATA.

Changes to the Terms

We reserve the right to change these Terms at any time by posting an updated version of this
document which reflects any changes, and which will go into effect on the Effective Date
indicated above. You should check back periodically to see updated Terms posted on the
Website. Your continued access or use of the Services shall be deemed conclusive evidence of your acceptance of any modified Terms.

2.Limited License to Use the Services

Subject to and conditioned upon your compliance with the Terms and other agreements
between you and RefiJet, RefiJet hereby grants to you a limited, revocable, non-exclusive,
personal, non-sublicensable, non- transferable, and non-assignable license to use the
Services. RefiJet reserves all other rights in the Services that are not expressly granted to you
in these Terms.
You agree to access and use the Services solely for your personal, non-commercial use only.
You understand that your access rights are personal, nonexclusive and nontransferable, that
your rights may be terminated by us if you do not abide by these Terms and that you may have
liability to us or to third parties if you misuse the Services.
It is your obligation to comply with all applicable local, state, federal, and local l laws
applicable to your use of the Services. Except as expressly specified in these Terms, you may
not:

(a) copy or modify the Services;
(b) transfer, sublicense, lease, lend, rent, sell, or otherwise distribute the Services
to any third party;
(c) distribute viruses or other harmful computer code;
(d) use the Services for purposes outside of those expressly permitted by these Terms;
(e) damage, disable, overburden, or impair the Services (or any server or networks
connected thereto);
(f) use the Services in any unlawful manner, for any unlawful purpose, or in any
manner inconsistent with the Terms;
(g) disassemble, decompile, or otherwise reverse engineer any components of the
Services provided in object code; any other RefiJet products or services, in whole
or in part; or permit or authorize a third party to do so, except to the extent such
activities are expressly permitted by law notwithstanding this prohibition;
(h) interfere with any third party’s use and/or enjoyment of the Services (or any server or
networks connected thereto);
(i) modify, frame, render (or re-render), mirror, truncate, inject, filter, or change any
content or information contained in the Website, without our prior written consent ;
(j) use any deep-link, page-scrape, robot, crawl, index, spider, click spam, macro programs,
Internet agent, or other automatic device, program, algorithm, or methodology which does
the same things, to use, access, copy, acquire information, generate impressions or clicks,
input information, store information, search, generate searches, or monitor the Website, or
any portion thereof;
(k) use the Services for any purpose in violation of local, state, national, or international
laws or regulations;
(l) disguise the origin of information transmitted to, from, or through the Website, Services
or any app provided by RefiJet;

(m) impersonate another person or representative of an organization;
(n) collect information about our Services without our prior written consent;
(o) allow any other person or entity to impersonate you to access or use the Services;
(p) access or use our Website for competitive purposes;
(q) use the Services in any way that is intended to harm, or that a reasonable person would
understand would likely result in harm to, the user or others; or
(r) circumvent any measures implemented by us aimed at preventing violations of these
Terms.

3.Auto Finance Request Services

We connect individuals like you interested in credit with third party entities, including,
without limitation, affiliated, and/or nonaffiliated financial institutions (“Lenders”) to enable
you to apply to refinance your existing vehicle loan or apply for a loan to buyout the lease on
your vehicle through one of the Lenders with which RefiJet does business (“Participating
Lenders”). RefiJet seeks to work with you to help you obtain a conditional offer from one of
our Participating Lenders , but RefiJet is not a lender and does not make credit decisions. The
information you submit to RefiJet will be used by RefiJet to contact you by telephone to match you with a Lender who has provided us with its pre-established credit criteria (“Criteria”). We will request a copy of your consumer report with your permission, so that when we talk to you, we can work with you to determine what Participating Lenders’ Criteria you satisfy and terms that are acceptable to you. RefiJet does not provide an offer of credit. You will have to consent to submitting a formal credit application to the Participating Lender if you decide to proceed. With your approval, we will work with you to submit the application for the Participating Lender’s review and they will obtain a credit report on you, so they can make a credit decision and potentially return an automotive financing product offer (“Financing Offer”), which may be different than the information and estimate we provided. If your application is sent to a Participating Lender and is not approved, you will be notified of the decline by the Participating Lender. We may also provide you with the opportunity to purchase third party ancillary products in connection with any refinancing (“Third Party Providers”). Your information will not be provided to any Third Party Provider unless you elect to purchase one of their products.
RefiJet does not require the purchase of any product or service from RefiJet or any particular
Participating Lender or Third Party Provider to receive the Services or to submit an
application to a Participating Lender. We do not provide financial advice and you should rely
on your own judgment in deciding which terms are acceptable to you and your financial
situation. Credit approval standards are established and maintained solely by individual
Participating Lenders. Your qualification for a Financing Offer(s) will be based upon, among
other considerations, the results of an independent credit evaluation performed by or on
behalf of the Participating Lender, current prevailing interest rates, and the length and
amount of the financing requested, as well as the vehicle subject to the loan being refinanced.
REFIJET DOES NOT GUARANTEE YOUR USE OF THE SERVICES WILL RESULT IN A
CONDITIONAL OFFER FROM ANY PARTICIPATING LENDER, OR THAT ANY SPECIFIC
TERMS OR CONDITIONS WILL BE AVAILABLE FROM PARTICIPATING LENDERS. REFIJET
DOES NOT GUARANTEE THAT THE CREDIT TERMS OR RATES OFFERED AND MADE
AVAILABLE BY PARTICIPATING LENDERS WILL BE THE BEST TERMS OR LOWEST RATES
AVAILABLE. You are free to work with a Participating Lender or not.

You understand and agree that the Participating Lender(s) will share information about your
credit application, including details regarding its credit decision and any resulting loan, with
us. RefiJet will provide to you the response of the Participating Lender(s) who has evaluated
your credit application, but RefiJet plays no role in making a conditional offer of credit, or
establishing the rates and/or terms offered by any Participating Lender. The rates, terms, and
any fees of any Participating Lender may be higher or lower depending on your credit profile.
A Participating Lender may require other documentation as the Participating Lender deems
necessary in order to finalize a Financing Offer, verify your identity, or make a loan. You understand that RefiJet and Lenders shall keep your credit inquiry information and any other
information provided by you in the processing of your credit inquiry for any legally required
retention period, whether or not we are able to match you with a Participating Lender or you
receive a Financing Offer.

4. Termination of Use of the Services

Except as otherwise described in these Terms, if you are dissatisfied with the Service, your
sole and exclusive remedy is to discontinue using the Service. We reserve the right to amend
or terminate the Services without warning. Unless otherwise agreed to by us in writing, all
features, content, specifications, products, and services described, depicted, or made
available via the Services are subject to change at any time without notice, except as may be
required by applicable law. We have the right to suspend the Services or close any account
with us and block your use of our Services if you have failed to comply with any part of the
Terms (as determined by us in our sole discretion). You are responsible for ensuring that any
and all persons you authorize to use your account with us are aware of the Terms and that
they fully comply with them.

5.Intellectual Property Rights

You acknowledge and agree that portions of the Services, including without limitation the
source code and the specific design and structure of individual modules or programs,
constitute or contain trade secrets of RefiJet and its licensors. Except where expressly stated
otherwise, RefiJet and/or its licensors are the owner or the licensee of all intellectual property
located on the Website, or in the materials published or otherwise made available through the Services. Those works, marks, or inventions may be protected by copyright, patent, and
trademark laws and treaties around the world and may not be modified, copied, printed,
reproduced, distributed, republished, performed, downloaded, displayed, posted,
transmitted, and/or otherwise used in any form or by any means, including but not limited to
electronic, mechanical, photocopying, recording, or other means, unless expressly permitted
by us. Except as expressly provided herein, nothing on our Website may be construed to
confer any license or ownership right in the materials published or otherwise made available
through our Services, whether by estoppel, implication, or otherwise. All rights not granted
to you in these Terms are reserved by RefiJet.

6.Copyright Infringement Notice

You understand that RefiJet and its licensors retain all ownership rights in the Service
(including, for purposes of clarity, the Website and any tools and/or proprietary content made
available through the Service) and that you do not receive any ownership rights or license
rights, except as set forth herein, by accessing or using the Service or consenting to these
Terms. All trademarks, service marks and trade names are owned by us or other respective
owners. The entire content of the Service and the Website, including but not limited to text,
design, software, photography, video, graphics, music, sound, information and the selection,
coordination, arrangement, and enhancement thereof, is protected under the copyright laws
of the United States, international treaties and other intellectual property laws (including
without limitation the copyright in the selection, coordination, arrangement and
enhancement of all content).

7.No Agency Relationship

No agency, partnership, joint venture, employer-employee, or franchiser-franchisee
relationship is intended or created by the Terms. Without limiting the foregoing, except as
expressly set forth herein, RefiJet is not acting and does not act as an agent for you in
connection with your use of the Services.

8.Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS
PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, AND
REFIJET AND ITS LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS AND IMPLIED,
INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND
NONINFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING,
COURSE OF PERFORMANCE AND USAGE OF TRADE. YOUR USE OF THE SERVICE IS
SOLELY AT YOUR OWN RISK. FURTHERMORE, WE DO NOT WARRANT THAT THE
SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE
CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS OR CODE. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED
THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND
RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER
SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH
MATERIAL.
YOU ACKNOWLEDGE THAT WE DO NOT CONTROL THE TRANSFER OF DATA OVER
COMMUNICATIONS FACILITIES, INCLUDING THE INTERNET, AND THAT THE SERVICES
AND/OR MATERIALS ASSOCIATED THEREWITH MAY BE SUBJECT TO LIMITATIONS,
DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF SUCH COMMUNICATIONS
FACILITIES.
WE ARE NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER
DAMAGE RESULTING FROM SUCH PROBLEMS., INCLUDING THE LOSS OF YOUR
PERSONAL INFORMATION DURING TRANSMISSION, AND YOU HEREBY RELEASE
REFIJET FROM ANY LIABILITY FOR DIRECT OR INDIRECT LOSSES IN CONNECTION
THEREWITH.

9.Limitations of Liability

IN NO EVENT SHALL REFIJET OR THE LENDERS BE LIABLE TO ANYONE FOR ANY INDIRECT,
PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR FOR ANY
DAMAGES TO YOUR COMPUTER, TELECOMMUNICATION EQUIPMENT, OR OTHER PROPERTY, PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM ACCESS TO AND USE OF OUR SERVICES, AND/OR FOR LOSS OF DATA, CONTENT, IMAGES, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH THESE TERMS, INCLUDING BUT NOT LIMITED TO THE ACCESSING OR USE OF, OR INABILITY TO USE, THE SERVICES, INCLUDING BUT NOT LIMITED TO THE DOWNLOADING OF ANY MATERIALS, REGARDLESS OF CAUSE, WHETHER IN AN ACTION IN CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, EVEN IF WE OR THE THIRD-PARTY PROVIDER HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL REFIJET HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY ARISING FROM YOUR USE OF THE SERVICE OR THE WEBSITE WHICH IN THE AGGREGATE IS MORE THAN $200. THE LIMITATION OF LIABILITY SET FORTH IN THIS SECTION SHALL NOT APPLY IN THE EVENT OF CUSTOMER’S BREACH OR RELATED TO ITS INDEMNITY OBLIGATIONS.

10.Severability

If any provision of these Terms or any word, phrase, clause, sentence, or other portion thereof
should be held to be unenforceable or invalid for any reason, then such provision or portion
thereof shall be modified or deleted in such manner as to render the Terms as modified legal
and enforceable to the maximum extent permitted under applicable laws.

11.Miscellaneous

These Terms (together with the Website Privacy Policy, the Privacy Notice and the e-SIGN
Policy) represent the parties’ entire understanding relating to the use of the Services and
supersedes any prior or contemporaneous, conflicting or additional communications.
You may not assign these Terms without the prior written approval of RefiJet, but RefiJet may
assign these Terms without restriction. Any purported assignment in violation of this section
shall be void. The terms and conditions herein may be waived or amended only in writing and only by the party that is entitled to the benefits of the term(s) or condition(s) being waived or amended. Any and all rights not expressly granted herein are reserved by RefiJet.

12.Contact Us

Please feel free to contact us with any comments, questions, or suggestions you might have
regarding the Services. If you have any concerns about any aspect of our Services, please let
us know and we will do our best to respond promptly and to try to resolve any issue. You can
contact us at: clientsuccess@refijet.com.