Terms & Conditions
Please take the time to review these terms thoroughly. By accessing this website, submitting an application, or agreeing to these terms in any way, you acknowledge and accept these terms and conditions. It’s important to understand that you may be giving up certain rights by doing so. If you submit an application on our site, you consent to dealers accessing your consumer credit report.
Our websites, including the pages, online services, software, and apps you use to access these Terms and Conditions (referred to as the “Sites”) are run by S.B.B.T.B Media Inc. and its affiliates and agents (referred to as “S.B.B.T.B Media,” “we,” “us,” or “our”). These Terms, unless specified otherwise, are a legally binding agreement between you and us that outlines how you can use the Sites.
has the right to change, update, add to, or revise these Terms at any time. You can check the “Last Updated” date at the top of this page to see when the Terms were last changed. When we make any of these changes, they become effective right away once we post them on the site. We recommend you check these Terms now and then to stay informed about any updates. If you continue using the site after we make changes, it means you accept those new Terms and Conditions. Visit the website to see the latest version of the Terms and Conditions. We’ll also do our best to inform you about significant changes, which may include posting a notice on the site or sending you an email if we have your email address.
THIS AGREEMENT CONTAINS A BINDING ARBITRATION AGREEMENT WHICH LIMITS YOUR RIGHTS TO BRING AN ACTION IN COURT, BRING A CLASS ACTION, AND HAVE DISPUTES DECIDED BY A JUDGE OR JURY, AS WELL AS PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.
By using the websites, you agree to these terms. When you apply, we’ll check your credit, but our dealers might do a more detailed check. You can find more details in Section 1.
It’s a good idea to keep a copy of these terms. If you need them in a different format, let us know.
You can click on the links below to quickly find the section of the agreement you’re interested in:
Using the Site
Limits on Our Responsibility and Your Promise to Protect Us
Keeping Things Private
Other Businesses We Mention and Links
How We Can Contact You
Information About Car Dealers
Disputes, Arbitration, and Not Joining Group Lawsuits
Rules That Apply in Specific Places
USE OF SITE:
Your ability to use this Site is subject to the laws and rules that apply. By using the Site, submitting an Application, or using any of our services connected to the Site, you agree to follow these Terms.
You should not use this Site or submit an Application if:
You are below the legal age in your area (referred to as ‘Your Jurisdiction’).
It’s illegal in Your Jurisdiction for you to access or use this Site. If any part of this Site or your use of it goes against the laws in Your Jurisdiction, you must not use it. Additionally, you can’t try to get around any age restrictions or technical barriers we have in place.
Any use or reliance on information posted on this Site is at your own risk. Your access and/or use of this Site is strictly on an “as is” basis, and you must not assume that this Site will be error free or that it will operate without interruption or as intended. We reserve the right to suspend the use of the Site generally or block your access to any part of the Site.
We also have the right to share any information we have about your identity with the authorities if it’s required by the law.
We reserve the right to share your identity and any evidence related to misuse of this Site with the authorities as required by law.
By submitting an Application through the Sites, you confirm that all the information in the Application is accurate and complete. You also give S.B.B.T.B Media, Dealers, or our agents permission to:
Get any necessary credit information for your Application from sources we consider appropriate.
Obtain credit reports from one or more credit reporting agencies as part of your Application.
Contact you in various ways (in person, by phone, mail, email, text, or on social media).
Provide you with updates on your Application status, including whether you pre-qualify for a loan, which lender’s offer you choose (if any), or if your credit application is denied.”
You have a limited right to create text hyperlinks to our website for informational purposes. Provided such links do not portray us in a false, misleading, derogatory or otherwise defamatory manner, or be on a website with illegal, harmful, or offensive content. This includes things like harassment, threats, fraud, explicit material, hate speech, spam, discrimination, and violations of privacy or copyrights.There’s an exception for public search engines like Google. Moreover, in addition to what was mentioned earlier, and as long as they follow any guidelines in the robots.txt file found in a Site’s main folder, we allow public search engines to use web crawlers to copy our Intellectual Property from the Site. They can do this solely to create publicly accessible search results related to our Intellectual Property. However, they are not allowed to store or keep archives of our Intellectual Property. We can withdraw this permission at any time.
All mentions on this Site of trade names, trademarks, logos, service marks, designs, and other forms of intellectual property, as well as all names, text, designs, graphics, characters, interfaces, code, software, images, sounds, videos, photos, and other content found on the Site or in our social media ads (collectively referred to as ‘Intellectual Property’), are references to the owner and/or licensee(s) of that Intellectual Property. All rights to this Intellectual Property are reserved and legally protected. The ‘®’ symbol indicates a registered trademark, ‘™’ indicates a trademark, and ‘©’ indicates a copyright.
Unless stated otherwise in these Terms or on the Site, everything on this Site belongs to the owner of the Intellectual Property. This Intellectual Property is safeguarded by copyright, trademark, patent, and other legal rights and regulations. This includes all the Intellectual Property found on each Site, which is copyrighted and protected as a collective work. You acknowledge that the relevant S.B.B.T.B Media entity owns all rights, titles, and interests related to this Intellectual Property. You may only use the Intellectual Property in accordance with these Terms, and you cannot use it for any unlawful or infringing purposes. By accessing or using the Sites, you do not acquire any ownership rights to the Intellectual Property.
You agree that any Submissions you post on a Site or send through our Sites are truthful, accurate, not misleading, and made in good faith. You must also have the right to send these Submissions. You should not upload or share any Submissions that are protected by copyright, trademark, or other rights of third parties without their written permission. You will be solely responsible for any damages resulting from copyright or trademark violations or other harm caused by your Submissions.
In addition to the above, you agree to provide any necessary documents and assurances requested by S.B.B.T.B Media related to the use of your Submissions when asked
You must not do the following on the Site:
Transmit any material containing viruses or code meant to harm computer software, hardware, or telecommunications equipment.
Disrupt the servers or networks connected to the Site or violate security, procedures, policies, or regulations.
Pretend to be someone else or misrepresent your affiliation with anyone.
Behave in a rude, offensive, harassing, or objectionable manner.
Post content that is defamatory, offensive, explicit, abusive, threatening, or related to illegal activities or advertising.
Infringe on the intellectual property rights of others.
Use the Site unlawfully.
Reproduce, copy, sell, sublicense, or exploit the Site or its software for commercial purposes.
Create a competing product or service based on the Site.
Employ data mining, bots, spiders, or automated tools to gather information from the Site.
Attempt to reverse engineer or disassemble the Site.
Help or allow others to violate these Terms or other applicable laws or rules regarding Site use.
We do not guarantee or make any promises about the usefulness, validity, accuracy, or reliability of the content on this Site or any other websites linked to or from this Site. The content on this Site is provided ‘as is’ and ‘as available,’ without any warranties, whether they are express or implied.To the fullest extent allowed by the law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. This means that we don’t promise that the content on this Site is fit for any specific use or that it won’t infringe on anyone’s rights. However, if your jurisdiction doesn’t allow the exclusion of certain warranties, those specific warranties are still applicable to you and can’t be excluded
You agree to protect, defend, and hold S.B.B.T.B Media, along with its officers, directors, employees, agents, and distributors, harmless from any and all claims, demands, liabilities, costs, and expenses. This includes reasonable legal fees and costs, which may arise directly or indirectly from:
violation of any agreements, representations, or warranties in these Terms and Conditions.
Your actions and your use of this Site or any linked sites.
Your reliance on, use of, or sharing of anything from this Site or linked sites.
Your violation of any laws or regulations.
Any Submissions or information you provide to us through the Site.
If necessary, we can take over the exclusive defense and management of any matter for which you need to indemnify us. You agree to cooperate with us in defending these claims. We’ll make reasonable efforts to inform you of any such claim, action, or proceeding once we become aware of it.
Please note that the Site is not meant to provide professional advice or recommendations, such as financial or legal advice. It’s essential to seek appropriate advice from qualified professionals tailored to your specific situation before taking any action based on information obtained from the Site.
CONFIDENTIALITY AND PRIVACY ISSUES; CHILDREN
Unless information is encrypted, data sent or received over the Internet can be vulnerable to interception by third parties, and S.B.B.T.B Media cannot guarantee or promise the security of your personal or other information during transmission. S.B.B.T.B Media is not liable for any damages you or anyone else may incur due to the transmission of information to or from S.B.B.T.B Media through this Site.
Our Sites are not meant for minors, and we do not knowingly attempt to collect information from children under the age of thirteen (13). To use our Sites, you must be at least eighteen (18) years old. If you are under the age of majority in your state or province, which is usually eighteen (18) years in most places, you cannot create a registered account with us or submit an Application
REFERRED BUSINESSES; LINKED SITES; NO THIRD PARTY RIGHTS
S.B.B.T.B Media may suggest independent businesses, like car dealerships, and our Sites and communications may contain ads for products or services (such as cars, car loans, extended warranties, insurance, roadside assistance, personal loans, credit-building services, and credit cards) provided by these car dealers. However, please note that these suggestions and ads don’t guarantee that you’ll get the product or service as described or at all. Whether you qualify and the terms and conditions are decided by the car dealer, not S.B.B.T.B Media.
Car dealers referred by S.B.B.T.BMedia operate independently, and S.B.B.T.B Media has no control or responsibility for them or the products/services they offer. Each car dealer will have its own agreement with you, and S.B.B.T.B Media is not involved in that agreement or any transactions you have with the car dealer. Your interactions with car dealers and use of referred products/services are your own responsibility, and you cannot hold S.B.B.T.B Media accountable for any issues or claims related to your dealings with a car dealer or referred product/service.
The Site may have links to other websites on the Internet owned and operated by third parties (referred to as ‘External Sites’). These External Sites have their own privacy policies, data collection practices, and terms and conditions that are separate from Dealer Media’s. Dealer Media has no control over these External Sites and is not responsible for their policies or actions. We do not guarantee the accuracy, completeness, authenticity, or reliability of third-party websites linked to S.B.B.T.B Media’s website, and we are not responsible for the content, information, statements, opinions, or any other materials provided by third parties on our Sites. Clicking on these External Sites means leaving our Sites, and you do so at your own risk. It’s your responsibility to protect yourself from viruses or other harmful elements. The presence of links does not imply that S.B.B.T.B Media sponsors, endorses, is affiliated with, or has the legal right to use any trademarks, trade names, service marks, designs, logos, symbols, or other copyrighted materials displayed on or accessible through these External Sites or the products or services described there. By using External Sites, applications, services, and resources, including content, information, data, advertising, products, or other materials from third parties, you agree that you do so at your own risk and are subject to the terms and conditions of those External Sites and resources.
The Site may have links to other websites on the Internet owned and operated by third parties (referred to as ‘External Sites’). These External Sites have their own privacy policies, data collection practices, and terms and conditions that are separate from S.B.B.T.B Media’s. S.B.B.T.B Media has no control over these External Sites and is not responsible for their policies or actions. We do not guarantee the accuracy, completeness, authenticity, or reliability of third-party websites linked to S.B.B.T.B Media’s website, and we are not responsible for the content, information, statements, opinions, or any other materials provided by third parties on our Sites. Clicking on these External Sites means leaving our Sites, and you do so at your own risk. It’s your responsibility to protect yourself from viruses or other harmful elements. The presence of links does not imply that S.B.B.T.B Media sponsors, endorses, is affiliated with, or has the legal right to use any trademarks, trade names, service marks, designs, logos, symbols, or other copyrighted materials displayed on or accessible through these External Sites or the products or services described there. By using External Sites, applications, services, and resources, including content, information, data, advertising, products, or other materials from third parties, you agree that you do so at your own risk and are subject to the terms and conditions of those External Sites and resources.
CONSENT TO COMMUNICATIONS
By giving us your contact information and using the Site, you consent to receive communications via email and/or social media from S.B.B.T.B Media at the email address or phone number you provided, including your mobile number. You agree that any messages, agreements, disclosures, or other communications we send you electronically will meet legal communication requirements, including the need for written communication. Any notices from us meant for you will be considered delivered and effective when sent to the email address you provided. Text Message Marketing: If you take part in a text message campaign, you agree to the Disputes, Arbitration, and Class Action Waiver in Section 10, the Limitation of Liability in Section 5, as well as all other terms mentioned here.
Signing Up: You can join a text message marketing campaign from a Site or another provided method. These text messages can be one-time or recurring (‘SMS Programs’). Please note that you don’t need to agree to receive SMS messages to buy our products or services.
Opting Out and Getting Help: You can stop these messages anytime by texting ‘STOP’ in response to the message you received. We’ll send you a confirmation message, and you won’t get any more SMS messages. If you want to rejoin, just sign up again as you did before, and we’ll start sending messages again.
If you forget which keywords to use, text ‘HELP’ to the message you received. We’ll reply with instructions on how to use our service and how to unsubscribe.
Message Costs and Frequency: Sending and receiving messages may incur message and data charges. If you have questions about your text or data plan, it’s best to contact your wireless provider.
We may send multiple messages, depending on the SMS Program you’ve joined, and we can stop the SMS Program or your participation in it at any time, with or without notice, unless otherwise stated.
Supported Carriers: We can deliver messages through major mobile carriers, but they are not responsible for delays or undelivered messages. If your carrier doesn’t participate, you won’t get a reply to your messages. Some carriers may not support our services at the offered prices. Pre-paid users should check with their carrier, as they may not be able to join.
CAR DEALER INFORMATION:
We do not own or sell any vehicles listed by car dealers. We do not provide, and are not responsible for, any pricing, payment, terms, offers, quotes, or financing provided by car dealers. We are not responsible for any errors or omissions in any description, price, payment, offer, quote, or financing provided by car dealers.
DISPUTES, ARBITRATION AND CLASS ACTION WAIVER
PLEASE READ THIS SECTION CAREFULLY – IT COULD HAVE A MAJOR IMPACT ON YOUR LEGAL RIGHTS, INCLUDING YOUR ABILITY TO FILE A LAWSUIT IN COURT.ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, INVOLVES LESS DISCOVERY THAN COURT CASES, AND CAN ONLY BE REVIEWED TO A LIMITED EXTENT BY COURTS. YOU CAN DECIDE TO HAVE A LAWYER REPRESENT YOU IN ARBITRATION, OR YOU CAN GO THROUGH IT WITHOUT ONE. THIS ARBITRATION PROVISION WILL STILL APPLY EVEN AFTER THIS AGREEMENT ENDS. HOWEVER, IF THE CLASS ACTION WAIVER OR COORDINATED CLAIMS PROVISION BELOW IS FOUND INVALID, THAT SPECIFIC PART WILL BE UNENFORCEABLE, REMOVED, AND THE REST OF THE ARBITRATION PROVISIONS WILL STAY IN EFFECT.
No Class Actions. YOU AGREE THAT ANY CLAIMS OR ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ARBITRATION OR CLASS ACTION. Further, unless both you and we agree otherwise, the arbitrator may not consolidate more than one person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.
Initiating Arbitration. If you choose to pursue arbitration or file a small claims court action, you must begin by sending a written notice of your claim (“Notice”) to us via certified mail. The Notice should be sent to the following address: 173-1146 PACIFIC BLVD, Vancouver, BC, V6Z 2X7. If we decide to initiate arbitration, we will send a written Notice to the email address you have previously provided, if available. We may also use other methods to contact you. The Notice, whether sent by you or us, must (a) explain the nature and basis of the claim or dispute and (b) specify the relief you are seeking (“Demand”). If, after receiving the Notice, we do not reach an agreement to resolve the claim within 30 days, either you or we may initiate arbitration or file a small claims court claim. You can find arbitration forms at www.jamsadr.com. If you are required to pay a filing fee, we will promptly reimburse you for this fee after receiving Notice that you have started arbitration, unless your claim exceeds US$10,000 or the arbitrator determines that your claims are frivolous, in which case you will be responsible for the filing fees.
Hearing Process. If your claim amounts to US$10,000 or less, you have the option to decide how the arbitration will be conducted. You can choose to have the arbitration based on documents submitted to the arbitrator, through a telephonic or video hearing, or through an in-person hearing as per the JAMS Rules. If your claim exceeds US$10,000, the hearing process will follow the guidelines outlined in the JAMS Rules. When the arbitration relies solely on submitted documents, the arbitrator will issue a decision and award within six (6) months from the arbitrator’s selection, unless an extension is granted by the arbitrator. Except for what is explicitly stated here, all filing, administration, and arbitrator fees will be in accordance with the JAMS Rules.
Compensation. If the arbitration results in an award of damages that is at least $100 more than our most recent documented settlement offer, we will provide compensation equal to the awarded damages or $2,500, whichever amount is greater.
Injunctions and Unenforceable Terms. Despite the previous provisions, both parties agree that court actions may be pursued to prevent intellectual property rights infringement or other situations where injunctive relief is necessary. If a court or arbitrator with jurisdiction deems any part of these Terms unenforceable, that portion will be ineffective, while the rest of the Agreement will remain valid. No waiver, either expressed or implied, by either party for any breach or default under these Terms will be seen as a continuous waiver of that breach or default, or of any prior or subsequent breaches or defaults.
Confidentiality. Both parties must keep the arbitration process and the Award, including the hearing, confidential, except as needed for the arbitration itself or for seeking preliminary remedies, challenging an award in court, enforcing it, or as required by law or a court decision.
Coordinated Proceedings. If 25 or more individuals submit Notices of dispute with us involving similar claims, and their legal representation is the same or coordinated, these claims will be consolidated and proceed in a coordinated arbitration. In this process, both parties will select five cases each as ‘Test Cases’ to proceed first in arbitration. The remaining cases will not be filed in arbitration until after the first ten are resolved. If disputes remain after the Test Cases, both parties can select another five cases for a second bellwether arbitration. This process continues until a fair resolution method for all claims is determined. A court may enforce this clause and prevent mass arbitration filings against us if needed. Those bringing Coordinated Claims will be responsible for up to $250 of their filing fees or the maximum allowed by the applicable arbitration rules. Statutes of limitations and time-based defenses will be suspended during the pendency of the Coordinated Proceedings as specified in this Section.
Governing Law and Rules. This Agreement and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of Florida, without considering conflict or choice of law rules. The parties acknowledge that these Terms pertain to a transaction involving interstate commerce. Regardless of the preceding paragraph concerning applicable substantive law, any arbitration conducted under these Terms shall be subject to the Federal Arbitration Act (9 U.S.C., Secs. 1-16). In any arbitration related to these Terms, the arbitrator cannot award punitive or exemplary damages unless allowed by law, and the parties waive any right to recover such damages. Additionally, in any arbitration related to these Terms, the arbitrator cannot grant incidental, indirect, or consequential damages, including lost profits. The parties agree to follow the JAMS Optional Arbitration Appeal Procedure (as of the effective date of these Terms) for any final award in an arbitration related to these Terms
Severance of Arbitration Agreement. If the clauses outlining the procedures and obligations for Coordinated Claims and Test Case procedures are or become invalid or unenforceable, then the entire remaining arbitration agreement, along with any clauses related to or describing the arbitration agreement, shall be separated from these Terms. However, any confidentiality obligations, whether connected to arbitration or not, will remain in effect even after such separation.
JURISDICTION SPECIFIC TERMS
New Jersey Residents. If you are a consumer residing in New Jersey, the following provisions of these Terms do not apply to you (and do not limit any rights that you may have) to the extent that they are unenforceable under New Jersey law: (a) Disclaimer of Warranty; (b) Limitation of Liability; (c) Indemnity; and (d) under Disputes, the Arbitration and Class Action Waiver and the governing law provisions (solely to the extent that your rights as a consumer residing in New Jersey are required to be governed by New Jersey law). According to N.J.S.A. 56:12-16, you may have additional rights if you are a New Jersey resident and other provisions of these Terms are found to violate an established legal right.
California Residents. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. If you are a California resident, you agree to consciously waive all claims, both known and unknown that may be later discovered and expressly forgo and waive all protections as by California Civil Code Section 1542, which states, “[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” By using this Site, you agree that these California Civil Code Section 1542 protections no longer apply to you.
Language Preference. You confirm your express intention that this agreement, along with all related documents, be drafted solely in the English language, including all notices and correspondence.
Quebec Customers. For Quebec customers (or customers from other Canadian provinces where applicable) we will, if required, send at least 30 days before the amendment comes into force, a written notice drawn up clearly and legibly, setting out the new clause only, or the amended clause and the clause as it read formerly, the date of the coming into force of the amendment and the customer’s right to refuse the amendment and rescind or, in the case of a contract involving sequential performance, cancel the contract without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than 30 days after the amendment comes into force, if the amendment entails an increase in the customer’s obligations or a reduction in our obligations.
Dispute Resolution. The arbitration requirements of these Terms will not apply to you if any such provision is unenforceable under the laws of your Canadian province of residence.
Privacy and Consumer Complaints. Under relevant consumer protection laws, you are entitled to the following consumer rights notice: If you have a question or complaint regarding the Site, please send an e-mail to Info@Switchgearautoleads.com. You may also contact us by writing to 173-1146 Pacific Blvd St, Vancouver, BC, V6Z 2X7
The Sites and these Terms will remain in effect until either you or we decide to terminate them. We can terminate these Terms by notifying you through any contact information we have for you or by posting such termination on the Site. You can terminate these Terms by sending us a written notice of termination, including your detailed contact information, to the address provided in the Contact Us section.
In addition to any legal rights or remedies available to us, we reserve the right to suspend, limit, or terminate all or part of your access to the Site or its features at any time, with or without notice, and with or without cause. This includes situations where we believe you have violated or acted inconsistently with the terms of these Terms. Please note that we may have legal protections for such actions under the Communications Decency Act, 47 U.S.C. § 230.
Certain provisions of these Terms will continue to apply even after termination, such as those related to the protection of intellectual property rights, authorized use, user-submitted content, disclaimers, limitations of liability, indemnity, and dispute resolution. These provisions are designed to survive termination.
If your access to the Site is terminated for any reason, you must promptly delete all content you obtained from the Site and any copies you may have made. You must also immediately stop using and accessing the Site. Furthermore, you agree that if your access is terminated according to these Terms, you will not attempt to use the Site under any name, real or assumed. If you violate this restriction after termination, you will indemnify us and hold us harmless from any liability that may arise as a result. Any use of the Site after termination constitutes a violation of this Section, which continues to be in effect even after termination.
IMPORTANT LEGAL TERMS.
We have the right to assign these Terms at any time, with or without notice to you. However, you may not assign or sublicense these Terms or any of your rights or responsibilities under these Terms without obtaining our prior written consent.
If any provision of these Terms is found to be invalid or unenforceable, it will be replaced with an interpretation that reflects the original intention of the provision as closely as possible. If this is not feasible, the provision will be removed, and the rest of the Agreement will remain enforceable.
Please be aware that if we offer you employment, none of the materials provided on the Site should be considered part of an employment contract or an offer for employment.
These Terms specifically apply to your access to and use of the Site and do not modify the terms and conditions of any other agreements you may have with us for services or programs. Additional policies and terms may apply to specific sections of the Site, and these policies and terms are considered part of these Terms, whether or not they explicitly reference them.