Terms of Service

1. Acceptance of Terms

These Terms of Service govern your use of the Dealer Defense website and any services provided by Dealer Defense.

By purchasing a service, submitting information for review, or otherwise using Dealer Defense services, you agree to these Terms of Service.

2. Nature of Dealer Defense Services

Dealer Defense provides independent vehicle-purchase consulting, education, deal-review and negotiation-support services for consumers.

Dealer Defense is not an automobile dealership, vehicle manufacturer, lender, creditor, insurance provider, warranty provider, legal firm, accounting firm or vehicle seller.

Dealer Defense does not take ownership of vehicles, sell vehicles, arrange title transfer or act as the dealer in a motor vehicle transaction.

3. Deal Review Service

The Dealer Defense Deal Review is an independent review of information provided by the customer regarding a proposed vehicle transaction.

The review may include vehicle selling price, discounts, manufacturer incentives, dealer fees, add-ons, trade structure, financing structure and other relevant transaction information.

The Deal Review reflects Dealer Defense's assessment based on the information available at the time of review. It is not a guarantee that a dealership will agree to different terms or that a better transaction is available.

4. Full-Service Defense

Full-Service Defense may include vehicle research, dealership outreach, market comparison, price negotiation, incentive review, fee and add-on review, trade strategy and related buyer-side assistance.

Dealer Defense may communicate with dealerships on the customer's behalf for negotiation purposes. The customer remains the actual purchaser and is ultimately responsible for deciding whether to accept any dealership offer.

Dealer Defense does not have authority to sign purchase agreements, financing contracts, leases, title documents or other binding documents on behalf of the customer.

5. No Guaranteed Savings or Outcome

Dealer Defense does not guarantee any particular discount, savings amount, selling price, trade value, financing rate, lease payment, monthly payment, manufacturer incentive, vehicle availability or transaction outcome.

Vehicle pricing and availability may change based on inventory, market conditions, manufacturer programs, dealership policies, geographic location, timing and other factors outside Dealer Defense's control.

A dealership may reject an offer, change terms, sell a vehicle to another buyer, withdraw a quote or refuse to honor a previously discussed transaction. Dealer Defense is not responsible for a dealership's actions or failure to complete a transaction.

6. Dealership Independence

Dealer Defense is independent and is not affiliated with, employed by, sponsored by or acting as an agent of any automobile dealership or vehicle manufacturer unless expressly disclosed otherwise.

Dealer Defense does not control dealership employees, dealership policies, manufacturer programs, inventory systems or third-party vehicle listings.

7. Customer Responsibilities

The customer is responsible for providing accurate and complete information necessary for Dealer Defense to perform the requested service.

The customer remains responsible for:

• Reviewing all final dealership documents before signing
• Confirming vehicle identity, trim, options and condition
• Confirming final selling price and out-the-door figures
• Reviewing financing or lease terms
• Reviewing trade-in information
• Reviewing taxes, title, registration and governmental fees
• Reviewing optional products, warranties and protection packages
• Confirming that final paperwork matches the terms previously discussed

Customers should not sign any document they do not understand or that does not match the transaction they intended to accept.

8. Third-Party Information

Dealer Defense may rely on information from dealerships, manufacturers, third-party vehicle listings, pricing sources, public websites and information provided by the customer.

Although Dealer Defense attempts to use reliable information, third-party data may contain errors, omissions, delays or outdated information. Dealer Defense does not guarantee the accuracy or completeness of information supplied by third parties.

9. Incentives and Eligibility

Manufacturer incentives, rebates, loyalty programs, conquest offers, military discounts, college-graduate programs, financing promotions and similar programs may have specific eligibility requirements.

Dealer Defense may identify or discuss potential incentives, but the customer and dealership remain responsible for confirming final eligibility and application of any incentive.

10. Financing

Dealer Defense does not make loans, extend credit or guarantee financing. Any financing information discussed by Dealer Defense is provided as part of the vehicle-purchase analysis and should not be considered a loan commitment or financial advice.

Loan and lease approvals, interest rates, money factors, credit terms and lender decisions are determined by third-party financial institutions and dealerships.

11. Trade-In Vehicles

Any trade-in analysis or strategy provided by Dealer Defense is based on available information and does not guarantee a particular trade value.

Final trade value may depend on physical inspection, vehicle history, condition, mileage, market demand, payoff balance and dealership appraisal.

12. Payments

Dealer Defense services are generally paid in advance through the available online payment method.

Payments may be processed through third-party providers such as Stripe. By submitting payment, you agree to the applicable terms and privacy practices of the payment provider.

13. Refunds and Cancellations

Because Dealer Defense services involve professional time, research and analysis, refund eligibility may depend on whether work has begun.

If you request cancellation before Dealer Defense has begun substantive work, Dealer Defense may, at its discretion, provide a full or partial refund.

Once research, deal analysis, dealership outreach or negotiation work has begun, fees may become nonrefundable because the service has already been performed in whole or in part.

Nothing in this section limits any rights you may have under applicable law.

14. Upgrade Credit

If Dealer Defense advertises that the cost of a Deal Review may be credited toward Full-Service Defense, the credit applies only according to the terms of the offer in effect at the time of purchase.

Promotional offers may be changed or discontinued prospectively.

15. No Legal, Tax or Financial Advice

Dealer Defense services are intended to provide vehicle-purchase consulting and educational support.

Dealer Defense does not provide legal, tax, accounting or individualized investment advice. Customers should consult appropriate licensed professionals when those services are needed.

16. Limitation of Liability

To the fullest extent permitted by applicable law, Dealer Defense will not be liable for indirect, incidental, consequential, special or punitive damages arising from or relating to the use of Dealer Defense services or a customer's vehicle transaction.

This includes, without limitation, losses resulting from dealership actions, vehicle availability, financing decisions, vehicle defects, trade-in valuation, manufacturer program changes, third-party data errors or differences between negotiated and final dealership terms.

To the fullest extent permitted by applicable law, Dealer Defense's total liability arising from a paid service will not exceed the amount actually paid to Dealer Defense for the specific service giving rise to the claim.

17. No Warranty

Dealer Defense services are provided on an "as available" basis using professional judgment and information available at the time.

Except where prohibited by law, no additional warranties, express or implied, are made regarding a particular result or vehicle transaction.

18. Website Availability

Dealer Defense may modify, suspend or discontinue website features or services at any time. Temporary interruptions may occur due to maintenance, hosting issues, third-party providers or other circumstances.

19. Intellectual Property

The Dealer Defense name, branding, original website content, guides, reports, written materials and other original content are owned by Dealer Defense or used with permission and may not be reproduced, distributed or commercially exploited without authorization except as permitted by law.

20. Changes to These Terms

Dealer Defense may update these Terms of Service from time to time. Revised terms will be posted on this page with an updated revision date.

Continued use of Dealer Defense services after updated terms are posted constitutes acceptance of the revised terms to the extent permitted by applicable law.

21. Governing Law

These Terms of Service will be governed by the laws of the State of Iowa, without regard to conflict-of-law principles, except where applicable law requires otherwise.

22. Contact

Questions regarding these Terms of Service may be directed to:

Dealer Defense
Email: Josh@dealer-defense.com
Website: www.dealer-defense.com