You must be at least 18 years old to use the Services. To help prevent fraud and to comply with carrier policies, we may require phone verification (e.g., one-time passcodes) and/or validation of brand identity before enabling SMS features. You agree to:

When you submit an inquiry through one of our advertisements, landing pages, websites, application forms, scheduling forms, or other lead-generation channels, we may use the information you provide to verify your identity, evaluate your inquiry, qualify and route your request, and determine which products, services, payment options, or financing options may be appropriate for you.

After you submit your information and provide the required authorization, we and our service providers may use your identifying information to match, obtain, generate, or verify credit-related and financial-capacity information about you.Depending on the services available and the information returned by our providers, this information may include:

We use SalesKick and may use other data, identity-verification, consumer-reporting, lead-management, customer-relationship-management, analytics, and qualification providers to operate our forms and evaluate submitted inquiries.These providers may collect information directly through the form, receive information from us, match the submitted information with information from other sources, and return financial qualification or credit-related results to us.The privacy practices of these providers may also be governed by their respective privacy policies and contractual obligations.

The retrieval of credit-related information may involve a soft credit inquiry or another form of consumer-data matching.The inquiry is a soft inquiry, does not affect your credit score, and is not visible to lenders reviewing your credit report.We will not initiate a hard credit inquiry through this initial lead form unless you are separately notified and provide any additional authorization required for that inquiry.

We may disclose or make information available to:SalesKick;Consumer reporting agencies and credit-data providers;Identity-verification and fraud-prevention providers;Customer-relationship-management and lead-management providers;Contractors and sales representatives assisting with your inquiry;Financing and payment providers when you request or pursue a financing or payment option;Professional advisers and compliance providers; andGovernment authorities when disclosure is required by law.We may use credit-related and financial-capacity information internally to evaluate and respond to your inquiry. We will not disclose your specific credit score, creditworthiness, available credit, financing capacity, or consumer-report information to advertising platforms for advertising targeting, audience creation, or campaign optimization where prohibited.

If you later make a purchase or apply for a payment plan, your payment or financing transaction may be processed by independent third parties such as Stripe, Affirm, or another payment or financing provider.Those providers may separately collect payment, banking, identity, credit, and financial information under their own terms and privacy policies. Any credit inquiry or underwriting performed by those providers is separate from the initial lead-qualification process described above.

We retain submitted information, authorization records, lead-qualification results, and related records for as long as reasonably necessary to respond to your inquiry, operate our business, prevent fraud, resolve disputes, and comply with legal obligations.

We use reasonable administrative, technical, and physical safeguards designed to protect information under our control. However, no electronic transmission or storage system can be guaranteed to be completely secure.