1. Acceptance of terms
By using the Auto Credit of America website or responding to a mailed invitation, you agree to these Terms & Conditions and our
Privacy Policy. If you do not agree, please do not use our services.
2. What our service is — and isn't
Auto Credit of America connects invited consumers with participating dealerships.
We are not a lender, dealer, or broker, and we do not make credit decisions. Pre-qualification reflected in an invitation is based on your credit profile, is not a guarantee of financing, and is not a financing application. Final approval, rates, and terms are determined solely by the participating dealership and its lenders.
3. Invitations & eligibility
Invitations are personal, non-transferable, valid only for the named recipient at the named dealership, and expire on the date printed on the letter. You must be at least 18 years old and a U.S. resident. Offer amounts are maximums ("up to") and depend on verification of identity, income, and other information.
4. Your responsibilities
You agree to provide accurate information, use your own Invitation Code, and not attempt to access another person's invitation, interfere with the operation of the site, or use the service for any unlawful purpose.
5. Communications consent
If you provide your phone number and email and give consent, ACA and your matched dealership may contact you about your invitation by phone, text, or email. Consent is not a condition of purchase. Message and data rates may apply; you may opt out at any time.
6. Intellectual property
The Auto Credit of America name, logo, and all site content are owned by ACA or its licensors and may not be used without written permission.
7. Disclaimers & limitation of liability
The service is provided "as is" without warranties of any kind. To the fullest extent permitted by law, ACA is not liable for indirect, incidental, or consequential damages arising from your use of the service, or for the acts or omissions of participating dealerships or their lenders.
8. Changes & governing law
We may update these terms from time to time; the current version will always be posted here with its effective date. These terms are governed by the laws of the State of [TBD], without regard to conflict-of-law principles.
9. Contact
Auto Credit of America, Attn: Legal, [Address TBD] · legal@autocreditofamerica.com.