LEVELSDEALER OS

LEVELS DEALER OS · LEGAL

Terms of Service

Last updated September 5, 2026

Effective date: September 5, 2026

Levels Dealer OS ("Levels," "the Service," "we," "us") is a software platform for independent used-car dealerships. It is operated by Levels Tech LLC, a limited liability company organized under the laws of Arizona, with a mailing address at 5151 N Oracle Rd Ste 125, Tucson, AZ 85704. These Terms are a binding agreement between you and Levels Tech LLC.

Please read these Terms carefully. They include a software license, limits on our liability, and the dispute terms in Section 19. Our Privacy Policy at https://levels.dealer/privacy explains how we handle personal information and is part of these Terms.

1. Who these Terms cover and how you accept them

1.1 Dealerships

"Dealer" or "you" means the dealership that signs up for the Service, including a dealership that claims a guest workspace or trial. The person who creates the account promises that they have authority to bind the dealership. When an owner or manager accepts these Terms, the dealership is bound.

1.2 Authorized Users

"Authorized Users" are the owners, managers, salespeople, lot staff, service staff, and others the Dealer adds to its account. Each Authorized User accepts these Terms the first time they sign in. The Dealer is responsible for everything its Authorized Users do in the Service.

1.3 Customers and website visitors

"Consumers" are the Dealer's customers, prospects, consignors, job applicants, and anyone who visits a Dealer Site, uses the customer portal, opens a link the Dealer sent, or shops through an AI assistant connected to Levels. If you are a Consumer, Section 8 applies to you when you use those services, and the other Sections it lists apply to you as it says.

1.4 Acceptance

You accept these Terms by clicking "I agree," by creating an account, by signing in, or by using any part of the Service. If you do not agree, do not use the Service. Dealers and Authorized Users must be at least 18 years old. Consumers under 18 may browse a Dealer Site but may not sign, apply for credit, or pay through the Service.

1.5 Other documents

Your plan page, order form, or invoice ("Order") states your plan, fees, and any extra terms. If an Order conflicts with these Terms, the Order controls for that conflict. Feature-specific notices shown inside the Service also apply.

2. What the Service includes

The Service means Levels Dealer OS and everything we provide with it, including:

Some features are labeled in the app as "preview," "mock," "pending," "not yet live," or similar. Those features may do less than they will do later, may store records without sending anything, and may change or be removed without notice. Where a label says a message, payment, or credit pull is mock or pending, nothing has been sent, charged, or pulled at that moment. Some queued items are sent automatically later without further action from you: credit applications queued for your DMS are delivered once email delivery is live, and texts held pending carrier registration are retried once your campaign is approved. Cancel any queued item you do not want sent before an integration is switched live. Guest workspaces and trials may contain demo data that is not real.

3. Your account and your users

3.1 One login per person

Every Authorized User must have their own login. Do not share logins, passwords, or Deal Vault PINs. Do not let anyone use the Service under your name. You are responsible for all activity under your login until you tell us it was compromised.

3.2 Roles and permissions

Owners and managers control who can join the account and what each role can see, and the owner sets each user's access to credit information. Set these carefully, because we rely on the roles you assign. A user's credit access level is checked on every request, so lowering it takes effect right away.

3.3 Keeping your account secure

Use strong passwords and keep them private. Tell us right away at admin@levels.dealer if you believe a login, PIN, or device has been compromised. Removing a user blocks new sign-ins immediately. A session that is already open may keep working until it expires, which can be up to 12 hours.

3.4 Business information you give us

You must give accurate business information, including your legal business name, tax ID, address, dealer license, and authorized contact. We file some of this with carriers so you can text and call customers (Section 6.4). Keep it current.

3.5 Support access by Levels

Our support staff can open your account to help you, fix a problem, or investigate abuse. Every support session is written to our audit log, lasts no more than one hour per entry, and shows a banner inside your account. We use this access only to support and protect the Service and to comply with law.

4. License and restrictions

4.1 Your license

For as long as your account is in good standing, we grant you a limited, non-exclusive, non-transferable license to use the Service for your dealership's own business. Authorized Users may use the Service only on the Dealer's behalf. The mobile app installs from the web, not from an app store, and is licensed, not sold.

4.2 Restrictions

You may not, and may not let anyone else:

4.3 Browser extension, feeds, and keys

The Levels Lister browser extension runs in your own browser under your own Facebook login. Inventory feed links and agent API keys are yours to share only with the marketplace or channel they are meant for. You are responsible for anyone you give them to.

5.1 You control your customers' data

You decide what Consumer information to collect and why. Under privacy law you are the "controller" or "business," and we process that information on your instructions as your service provider. You must have a lawful basis, and any notice or consent the law requires, for every piece of Consumer information you put into the Service or collect through a Dealer Site. You must respond to Consumers' privacy requests, and we will help as described in Section 10.2.

5.2 Credit reports and prequalification

Credit features let you request soft-inquiry prequalifications and credit reports through a credit provider. Federal law (the Fair Credit Reporting Act, "FCRA") allows a credit report only for a "permissible purpose," such as a consumer's written instructions or a credit application the consumer started. You promise that:

Our role. When you use the Levels credit account, we are the subscriber of record with the credit provider and we request each report at your instruction, for your use, as your agent, and the consumer notice names both Levels and your dealership. Each time you or your website requests a pull, you certify to us, and we certify on your behalf to the credit provider and the bureau, that the report is being obtained for the permissible purpose recorded with the consent, that it will be used only for that purpose, and that it will not be resold or shared except as the FCRA allows. You must take reasonable steps to make sure no one uses your account for a different purpose. We do not evaluate reports, score applicants, make or recommend credit decisions, or send adverse-action or risk-based-pricing notices; those are yours. We use consumer report information only to deliver it to your authorized staff, to keep the access and audit records described in Section 10, and to bill you. We do not combine consumer report information across dealerships, use it for marketing or model training, or disclose it to anyone but you, the credit provider, and the bureau, unless the law requires. When consumer report information is no longer needed, you must dispose of your copies as the FTC Disposal Rule requires; we will delete or destroy our copies under Section 10.6. If the credit provider changes its terms, we may pass those changes through to you on notice, and you must accept them to keep using credit features. We may suspend credit features for your account at any time if we believe a pull lacked a permissible purpose, or if the provider or a bureau requires it.

5.3 Texting, calling, and recording

The Service can send texts and place calls to Consumers from phone numbers provisioned for your dealership. You are responsible for compliance with the Telephone Consumer Protection Act, the CAN-SPAM Act, state telemarketing and do-not-call laws, and carrier rules, including:

Commercial email requires a working unsubscribe mechanism honored within 10 business days, your postal address, and accurate headers. The Service does not yet add an unsubscribe link to marketing emails, so do not turn on marketing email journeys until we tell you those elements are present. A request to stop email that reaches you directly must be sent to us at admin@levels.dealer within 3 business days so we can flag the record, until the Service provides an in-app control.

Carriers and our messaging provider can block or suspend messaging for violations. We may pass those suspensions through to you.

5.4 Advertising, pricing, and payment disclosures

You are responsible for every price, fee, payment estimate, and claim you publish, whether on a Dealer Site, in a feed, on a marketplace, in a text, or through the AI Shopping Layer. The Service can show per-vehicle monthly payment estimates and attaches disclosure text based on the terms you enter. Those estimates are only as accurate as your APR, term, down payment, tax rate, and fee settings. You must comply with the federal Truth in Lending rules (Regulation Z), state advertising and dealer-licensing rules, federal rules that apply to dealers, and marketplace policies. Levels provides tools, not legal review.

5.5 Electronic signatures and your records

The e-signature features record consent, signer details, IP address, device, time, and a fingerprint (hash) of each signed document to support the federal ESIGN Act and state UETA laws. Whether a document is enforceable depends on your forms, your process, and state law. You are responsible for choosing compliant forms, for confirming signer identity, for giving Consumers the disclosures described in Section 8.5, and for any in-person witnessing your process requires. Download and keep your own copies of signed documents and deal jackets. The Service is not your system of record for legal retention, and Section 10.9 explains why.

5.6 Driver's licenses, photos, and location tracking

If you scan driver's licenses, photograph customers, or use test-drive location tracking, you must comply with state privacy, driver-privacy, and consumer-protection laws. Use license data only for the transaction and identity purposes the law allows. Get a Consumer's permission before you publish their photo or first name on your website. Delivery photos uploaded through the sold-photo link are published on your site's "happy customers" gallery by default, and the Service does not record the Consumer's permission, so obtain it before you upload. Location tracking requires the Consumer's authorization tap and phone permission, and you must not try to track anyone without it.

5.7 Sales tax records

The Tax Compliance Center keeps your sales-tax ledger, filing periods, notices, and audit packages. It does not file returns, send anything to a tax agency, or give tax advice. Rule sets ship as drafts until you activate them, and the default rate is the one you configure. You are responsible for correct rates, exemptions, filings, and payments.

5.8 Vehicle and listing accuracy

You are responsible for the accuracy of every VIN, mileage, price, title status, condition statement, feature, and photo you publish. Data we pull from government or manufacturer sources, such as build sheets, safety ratings, recalls, fuel economy, and window stickers, may be incomplete or wrong. Check it before you rely on it or advertise it.

5.9 Your website, domains, and published content

We host a Dealer Site for you at {slug}.levels.dealer and on any domain you connect. You must own or control every domain you connect and keep its DNS records correct. You are responsible for all content on your Dealer Site, including inventory, photos, videos, hours, staff pages, and reviews you display.

The Service publishes a privacy page and a text-messaging terms page on your Dealer Site from a template we maintain. You cannot edit the template; we are responsible for keeping it accurate about what the Service does, and you are responsible for your own practices described there. Those pages incorporate our Privacy Policy for everything Levels does with visitor information, including the browser identifier that connects a visitor's browsing on your site to a form they later submit or a link you text them. If your dealership collects more, operates in a state with additional requirements, or wants to replace them with your own text, send us the text at admin@levels.dealer and we will publish it on your site.

When you publish inventory, you authorize us to display it on your Dealer Site, to include it in inventory feeds that marketplaces poll, including a Levels-wide feed, and to expose it to search engines and AI crawlers. Listings appear in the AI Shopping Layer only if you turn that on.

5.10 Consignment, trade-ins, appointments, and other consumer programs

Consignment agreements, trade-in offers, deposits, holds, in-house financing, and vehicle sales are contracts between you and the Consumer. We are not a party to them. You are responsible for their terms, for any payouts or refunds you owe, and for complying with the laws that govern them.

5.11 Importing data from other systems

When you import leads, customers, deals, or inventory from a previous system, you promise that you have the right to do so. Opt-out flags in your import are carried over, and the Service never treats an imported contact as opted in. Do not import data about people you have no business relationship with.

5.12 Your staff's information

You must tell your staff that the Service records their activity, including audit logs, call recordings and transcripts, clock-in location, and messages sent to the tasks line. Get any consent your state requires.

6. Third-party services you use through Levels

6.1 General

The Service connects to services run by other companies ("Third-Party Services"). Some are built in, such as phone and messaging carriers and email delivery. Others you connect yourself, such as QuickBooks Online, Keys.app, credit providers, marketplaces, Craigslist, and Facebook. Each Third-Party Service has its own terms and privacy policy, and by connecting one you agree to them. We are not responsible for a Third-Party Service's availability, accuracy, fees, security, or changes. A Third-Party Service may change or shut off its interface at any time, and we may then change or remove the integration.

Many integrations start in a "mock" or "pending" state. Nothing is sent to the Third-Party Service until the integration is switched live for the platform and, where required, connected and turned on by you, except for queued items described in Section 2.

6.2 QuickBooks Online

If an owner or manager connects QuickBooks Online, you authorize us to access your own QuickBooks company on your behalf through Intuit's API, using the permission you grant on Intuit's consent screen. We use that access for one purpose: keeping your books in step with your Levels records. Specifically, we (a) read your customer, vendor, account, item, and payment-method lists only to find or create the records we need to post a document; (b) post purchases for vehicle costs, invoices for settled sales, payments for receipts, and vendor credits, credit memos, refund receipts, and restocking-fee documents for reversals; and (c) create the accounts and items we post to, such as "Vehicle Reconditioning" and "Vehicle Sales." Sync is one-way, from Levels to QuickBooks. We never edit or delete a document we have posted; corrections are posted as new reversal documents. We do not read your QuickBooks reports, bank feeds, payroll, or any record we did not post, and we do not use anything from your QuickBooks company for any purpose other than this sync. Information from your QuickBooks company is stored only in your dealership's account, is never visible to another dealership or used in any cross-customer dataset, and is not used for advertising or to train models.

We store your Intuit company ID and your access and refresh tokens, encrypted, and use them only when posting. You may disconnect at any time from the Accounting tab or from your Intuit account. When you disconnect, we revoke our access with Intuit and delete the tokens from our live systems (backup copies age out under Section 10.6); we keep your company ID and our log of what we posted (document type, amount, date, and the customer or vendor name on the document) as part of your Dealer Data under Section 10. Documents already posted stay in your QuickBooks company. QuickBooks is a product of Intuit Inc.; Intuit's terms govern your QuickBooks account, Intuit is not a party to these Terms and is not responsible for the Service, and we are not affiliated with Intuit. Review your books, because you are responsible for them.

6.3 Keys.app

Key, locksmith, and parts features are provided through Keys.app by Keys Inc., doing business as Keys, a separate company under common ownership with Levels and therefore an affiliate of Levels. When you first use a Keys feature, we create a Keys partner account for your dealership and share your business name, contact details, and lot addresses. For each job we share the vehicle and key details and the requesting staff member's name. Orders, bookings, agreements, and receipts are contracts between you and Keys.app or its providers, under Keys.app's terms. Payment for Keys orders is made on a page hosted by Keys.app and its payment processor, not on Levels. Customer identity, license, and deal information are not shared with Keys.app.

6.4 Phone numbers, texting, and calls

We provision local phone numbers for your dealership on our carrier account, register your business and messaging campaign with carriers, and route calls, texts, recordings, and transcripts through our telephony provider. Numbers stay on our account and belong to Levels; they are not ported out to you or to another carrier when these Terms end, and they are released back to the carrier after termination. If you want a number you can keep, use your own number and forward it to the line we provision. Recordings are stored with the provider and played through the Service. Carriers may require registration data, filter messages, and impose fees, which we may pass through to you.

6.5 Online payments

You are the merchant of record for every online payment your customers make. Online payments through the Service (down-payment requests, deposit links, and the customer portal) are charges created in your dealership's own Stripe account, which you open during setup on Stripe's own pages under your own Connected Account Agreement with Stripe. You are the seller and the payee; the money settles to your Stripe balance and is paid out to your bank on Stripe's payout schedule; Stripe charges its processing fees to your dealership; and Stripe, not Levels, is responsible for collecting an unrecoverable negative balance on your account under your agreement with Stripe.

Levels never holds the money. Levels does not receive, possess, hold, pool, escrow, transfer, or distribute your customers' payments at any point, and takes no fee out of them. Levels charges you for the Service under your Order, separately and unrelated to your vehicle transactions. No Levels screen takes card or bank details; Stripe's own checkout page does.

Online payment is available only while Stripe reports your account as able to take and pay out charges. If your account is not yet onboarded, is missing information Stripe has asked for, or is restricted, the Service will refuse to take a payment on your behalf and will tell you what Stripe is waiting for. It will not route your customers' payments through any other account in the meantime.

A payment is marked paid in the Service only when Stripe confirms the money was received, and the customer is then sent a receipt. The Service shows each payment's real state — initiated, processing, succeeded, failed, returned, disputed, refunded — and does not describe an uncleared payment as cleared; the decision to release a vehicle against a payment that has not finally settled is yours. A payment the customer abandons stays unpaid, and a hold is released on its pickup date as usual. Payments you collect in person are recorded by your staff with the cash, check, or card-in-person methods.

Refunds you issue are made against your own charge and funded from your own Stripe balance. Chargebacks, disputes, ACH returns, fraud losses, and Stripe's fees and rules on your transactions are yours, and you respond to them; the Service will surface a dispute, its deadline, and the payment record, but cannot respond for you. The Dealership Payment Terms at levels.dealer/dealer-payment-terms, which an owner of your dealership accepts before online payments are switched on, set out these responsibilities in full and form part of these Terms.

Levels applies limits to the amount and payment rail a customer may use online, to reduce chargeback exposure. You may set lower limits; raising one requires a documented Levels review.

6.6 Credit providers

Credit pulls are fulfilled by a credit reseller that fronts national consumer reporting agencies, under either our reseller account or credentials you supply. Providers shown in settings as not yet available do not send data anywhere. Pulls are refused unless your connection has passed a test and you have switched credit on. Pull credits you buy are consumed one per completed pull, refunded automatically if no report is returned, and otherwise non-refundable. Pull credits do not expire.

6.7 Marketplaces, Craigslist, and Facebook

Marketplaces such as CarGurus, CARFAX, AutoTrader, and others receive your inventory through feed links you register with them, or through a Levels-wide feed, and send leads to your Levels lead email address. Craigslist posts are made through Craigslist's bulk interface with your credentials or, when you buy posting credits, with ours. Facebook Marketplace listings are filled in your own browser by our extension and published by you. Each marketplace's terms, posting rules, and fees apply, and you are responsible for your listings on them.

6.8 Government and manufacturer vehicle data

VIN decoding, safety ratings, recalls, fuel economy, and window stickers come from NHTSA, the EPA, and manufacturer websites. Vehicle history reports come from CARFAX or AutoCheck through links that use your own accounts with them. We provide this data as-is and do not guarantee it.

6.9 Email, maps, fonts, and other embedded services

Email is delivered through a transactional email provider from a Levels address with your dealership as the reply-to. Because email leaves from our domain, we may pause email sending for your account if bounces, complaints, or unsubscribes threaten deliverability for other dealerships. Satellite maps, geocoding, web fonts, and video embeds load from their providers, which see the viewer's request. Those providers' terms apply to their services.

7. AI features

7.1 AI is assistive

The Service uses artificial intelligence to draft text and summarize information. This includes the morning briefing, automatic replies to customer texts, review classification and response drafts, reading of staff texts on the tasks line, onboarding copy, lead scoring, and conversations in the AI Shopping Layer ("AI Features"). AI output can be wrong, incomplete, or inappropriate. You must review AI output before you rely on it, publish it, or send it to a Consumer, unless you have deliberately turned on an automatic feature. We do not promise any particular result from AI Features.

7.2 AI model providers

The following AI Features send information to a third-party AI model provider (currently Anthropic) to generate text when a model provider is enabled for the platform: the morning briefing (your dealership name and a daily digest that includes names of leads, in-house-finance borrowers, credit applicants, and test-drive customers; loan payment amounts and due dates; insurance carrier and policy dates; and which staff are clocked in); automatic replies (the texting customer's name, prior purchases, loan balance, title status, lead interest, matching in-stock vehicles, and the last eight messages in the thread); review analysis (review text and rating, and your staff names); the tasks line (the text of a staff task message); and onboarding copy (public details of your existing website). Credit reports, Social Security numbers, license data, and signed documents are never sent to a model provider. The model provider is our subcontractor under Section 10.2: it may use the information only to return the output to us and may not train models on it. Where a feature is labeled "rule-based," no outside model is used, and the Dashboard shows whether the briefing was written by a model or by rules. The morning briefing is generated for every dealership whenever a model provider is configured for the platform; there is currently no per-dealership switch. If you do not want Consumer financial information sent to a model provider, tell us at admin@levels.dealer and we will disable model-backed AI Features for your account. We do not use Dealer Data to train AI models.

7.3 Automatic replies

If you turn on automatic replies, the Service answers Consumer texts in your name, after hours or always, based on your CRM and inventory. You are responsible for those replies as if a staff member sent them. Tell Consumers when they are receiving automated messages where the law requires it.

7.4 AI Shopping Layer

The AI Shopping Layer lets AI assistants show your inventory and contact your dealership. It is off until an owner or manager turns it on, switch by switch, for inventory discovery, lead generation, shopper messages, appointment requests, trade-in submissions, and prequalification hand-offs. A shopper must verify a phone number or email before anything reaches your CRM. Leads created this way are labeled as coming from an AI assistant. Prequalification through an assistant happens on your Levels-hosted page, never in the chat. The assistant may receive a summary of the result, and a score only when your settings display scores. The assistant provider's terms apply to the assistant, and we do not control what it says to shoppers.

7.5 No automated credit decisions

AI Features do not make credit decisions and do not read credit reports. The only credit-related information an AI assistant can receive is the prequalification status, the Levels planning tier, the bureau name and, if your settings display scores, the score and score range, as described in Section 7.4. Prequalification results come from the credit provider and your own settings.

8. Terms for customers and website visitors

This Section applies to Consumers. Sections 12, 14, 15, 16, 19, 20, and 21 also apply to Consumers; Sections 9, 13, 17, and 18 apply only to Dealers. Section 16 applies to a Consumer only to the extent the law allows limits on liability to consumers.

8.1 Your relationship is with the dealership

Levels provides software to the dealership. The dealership decides what to sell, at what price, what to collect from you, and how to contact you. Any purchase, financing, consignment, trade-in, deposit, appointment, or dispute is between you and the dealership. Contact the dealership first with questions or complaints. The privacy page and text-messaging page on its website also apply.

Dealer Sites place a random identifier in your browser's storage when you first visit and use it to record the pages, vehicles, and searches you look at and where your visit came from; if you later submit a form, open a link the dealership texted you, or are otherwise identified, that browsing history is connected to you and shown to the dealership's staff. No advertising cookies or third-party analytics are used. You can clear the identifier by clearing your browser's site data. Links the dealership sends you, such as signing, payment, booking, appraisal, receipt, and document links, work without a password and expire. Do not forward them. Anyone holding a link may be able to open it while it is valid.

8.3 Text messages and calls

Consent to receive texts or calls from a dealership is given on the form or screen where you enter your phone number, or in a document you sign with the dealership, and its scope is described there. These Terms do not enlarge that consent and are not themselves consent to marketing texts or calls. Message frequency varies; message and data rates may apply. Reply STOP to any text to stop texts from that number, and HELP for help. To stop calls or emails, or to opt out across every number the dealership uses, tell the dealership, or email us at admin@levels.dealer and we will flag your record for that dealership. One-time verification codes are sent only when you request them. Texts you send to a dealership may be answered automatically, after hours or at any time, if the dealership has turned that on; automated replies are composed from the dealership's records about you and may be written by a third-party AI model provider acting for Levels. The dealership may record and transcribe calls with you; where the law requires your consent, the dealership will tell you at the start of the call, and you may hang up or ask that the call not be recorded. These Terms are not that consent.

8.4 Customer portal

If the dealership gives you a portal login, keep it private. The portal shows your loan balance and payment history, lets you sign documents, and, when the dealership has online payments switched on, lets you pay through Stripe's secure checkout page under Stripe's terms. Do not enter card or bank details anywhere in the portal other than Stripe's checkout page.

8.5 Electronic signatures and records

Before you sign anything electronically, the dealership will ask you to consent to signing and receiving documents electronically. That consent covers the documents in the transaction you are signing and the receipts, notices, and copies that follow from it. You have the right to sign on paper and to receive paper copies instead; ask the dealership before you sign, and the dealership will tell you of any fee for paper copies. You may withdraw your consent for future documents by telling the dealership, without affecting documents you have already signed. To sign and keep electronic documents you need a current web browser on a phone, tablet, or computer with an internet connection and a PDF reader to open your copies; by tapping the consent button on the signing screen you confirm that you can see the documents on your device. Your signature, name, IP address, device, and the time are recorded with each document, and each document's fingerprint is printed on a certificate at the end of your deal packet. Your signed copies are sent to you by the link or email the dealership has for you; download and keep them, because the dealership, not Levels, is your point of contact for copies later.

8.6 Prequalification and credit applications

A website prequalification is a soft inquiry that does not affect your credit score and is not an application for credit. It is made under your written instructions, by the credit bureau named in the notice, at the request of the dealership, with Levels transmitting the request as the dealership's service provider. For a prequalification, your full Social Security number is used for the check and held only briefly; the last four digits are kept. A full credit application authorizes the dealership to obtain your credit report and to share your application with lenders and its dealer management system; the dealership stores that application, including your Social Security number, in encrypted form. Your credit report and score are kept by the dealership in its records and used within its sales and finance tools; only staff with the required credit-access level can see the score and factors, and your prequalification tier may also appear in the dealership's lead alerts and on the finance application it becomes. Read each notice before you agree. Results are shown to you and to the dealership's authorized staff. If you started through an AI assistant, the assistant may receive a summary.

8.7 Appointments, alerts, trade-ins, and consignment

Booking, price-watch, trade-in, and consignment tools send you confirmations and updates by text or email. You can change or cancel an appointment from the link you were sent. Photos and information you submit for an appraisal or consignment are shared with the dealership. Your signed consignment agreement, which shows your name, contact details, vehicle, signature, IP address, and device, and the photos you upload are currently stored at unlisted web addresses on the dealership's site that anyone holding the exact link can open without logging in.

8.8 Test-drive location sharing

If the dealership asks you to authorize a solo test drive, your phone shares its location only after you tap authorize and allow location in your browser. Sharing happens only while the drive is open and never after the vehicle is returned.

8.9 Shopping through an AI assistant

If you reach a dealership through an AI assistant, the assistant's provider, not Levels, controls the conversation. Levels receives only what the assistant sends through our tools and the details you verify. You can disconnect a linked Levels shopper profile by removing the Levels connection in your AI assistant's settings, which revokes the assistant's access tokens. Your shopper record, and any leads, messages, or appointments you sent to a dealership, remain unless you ask us at admin@levels.dealer to remove the record.

8.10 Acceptable use

Do not misuse a Dealer Site or portal. Do not submit false information, use another person's identity or credit, scrape listings, or interfere with the site.

8.11 Your privacy rights

To access, correct, or delete your information, contact the dealership. Credit consents and reports, signing evidence, and audit logs are kept as compliance records and cannot be deleted on request. You may also contact us at admin@levels.dealer, and we will pass your request to the dealership and help it respond.

9. Fees, billing, and taxes

9.1 Plans and fees

Fees are stated on your Order or plan page. Current plans on a yearly subscription are Starter, for dealerships with up to 50 vehicles, at $199 per month, and Dealer, for dealerships with 50 to 250 vehicles, at $249 per month. Month-to-month pricing, promotions, and any larger plans are stated on the plan page. Trials last 14 days unless we say otherwise. When a trial ends, you must choose a paid plan to keep using the Service.

9.2 Payment

Fees are billed in advance for each billing period, yearly for annual plans and monthly for month-to-month plans, and are due 30 days after the invoice date. You keep a payment card on file with our payment processor, Stripe; card details are entered on Stripe's own pages and are never stored by Levels. With auto-pay on (the default), each period's fee is charged to that card automatically on the day it is due and a receipt is emailed. You may turn auto-pay off under Billing, in which case Stripe emails you an invoice for each period, due 30 days after the invoice date, payable by card on the invoice page. Keep the card current. One-off purchases in the Service, such as credit-pull bundles and posting credits, are charged to the same card when you confirm them. If you dispute an invoice, tell us in writing within 30 days of the invoice date.

9.3 Usage fees and prepaid credits

Some features are billed by use, such as credit pulls, posting credits, extra phone lines, and carrier pass-through fees. Prepaid bundles are non-refundable except where these Terms say otherwise, and prepaid credits do not expire. Fees charged by Third-Party Services are yours to pay directly to them.

9.4 Taxes

Fees exclude sales, use, and similar taxes. You will pay any such taxes on your subscription, except taxes on our income.

9.5 Price changes

We may change fees with at least 30 days' notice by email or in the app. The new fees apply from your next billing cycle after the notice period. If you do not agree, you may cancel before the new fees take effect.

9.6 Refunds

Fees are non-refundable except as required by law or as stated in these Terms or your Order.

10. Your data

10.1 You own your data

"Dealer Data" means everything you and your Authorized Users put into the Service or collect through it, including Consumer information, inventory, deals, documents, messages, recordings, and photos. You own Dealer Data. We claim no rights in it except the license below.

10.2 How we may use it (service-provider terms)

You grant us a license to host, copy, process, transmit, display, and back up Dealer Data as needed to provide the Service. You appoint us as your service provider (or "processor") for Dealer Data, and we accept these terms:

We act on our own behalf, not as your service provider, for (a) the profiles and verification records of shoppers who reach the Service through an AI assistant before they contact your dealership, (b) our own account, billing, and support records about you and your staff, and (c) our part in the joint credit-provider notice described in Section 5.2. Our Privacy Policy governs those records.

10.3 Separation between dealerships

Each dealership's records are kept in its own partition and separated from every other dealership's records by database-level access rules that apply to every query the Service runs. No dealership can see another's customers, leads, deals, documents, messages, credit data, books, or settings. Three kinds of records live outside dealership partitions: (a) reference data that identifies no person, such as a VIN-to-key lookup cache, ZIP-code coordinates, and counts of credit-report field names; (b) our own records about you as our customer, about prospective customers, and our audit trail of support access; and (c) profiles of shoppers who reach the Service through an AI assistant, which belong to the shopper and are held by us under our Privacy Policy. When such a shopper contacts your dealership, what they send you becomes part of your Dealer Data; the shopper's profile itself is not shared with you, and your Dealer Data is not shared with any other dealership the shopper contacts.

10.4 Security measures

We use encryption in transit. We encrypt Social Security numbers, driver's license numbers, the raw credit-bureau response file, and integration credentials at rest. The normalized credit report (score, factors, tradelines, and related data) is stored in the dealership's isolated database records and protected by access controls, per-user credit-access levels, and audit logging, but is not separately encrypted. We keep audit logs of credit access and support access, require a step-up PIN for the most sensitive credit records, and delete driver's-license images captured with the in-app scanner on a schedule. No system is perfectly secure, and we do not guarantee that Dealer Data will never be accessed without authorization. Some files are served at unlisted web addresses that anyone holding the exact link can open, without a login: vehicle and delivery photos, blank forms and templates you upload, deal documents you import from a prior system, and signed consignment agreements. Credit data, license captures, receipts, stipulation uploads, and documents marked private are served only to signed-in staff or through short-lived links. Do not import or upload signed paperwork or identity documents through the general upload tools; use the Deal Vault, stipulation, and private-document features, which keep them behind a login.

10.5 Export

While your account is active and for 30 days after it ends, you may download signed deal jackets, tax exports, and other exports the Service offers. For records without a self-service export, ask us at admin@levels.dealer and we will provide an export in a common machine-readable format within 30 days at no charge.

10.6 Deletion after termination

After the export window ends, and on your written request, we will delete or de-identify Dealer Data within 30 days to the extent our systems permit, except for:

Deletion today is carried out by Levels staff from the underlying records; there is no self-service delete button. Records you sent to Third-Party Services, such as QuickBooks, your DMS, marketplaces, carriers, or Keys.app, stay with them under their terms.

10.7 Retention while active

We keep Dealer Data while your account is active unless a feature says otherwise. Driver's-license images captured with the in-app scanner are deleted from the live system 90 days after capture and scan-diagnostic images after 30 days; the identity fields decoded from a license, the encrypted license number, and a license photo attached directly to a deal record are kept with the deal. Temporary prequalification data is deleted within minutes of use. Other records, including messages, call recordings and transcripts, and documents, are kept until you delete them where the Service allows, or until your account ends.

10.8 Aggregated and de-identified data

We may create and use aggregated or de-identified data that does not identify you, your staff, or any Consumer, to operate, improve, and market the Service. Examples are usage statistics and feature-level counts. We will not try to re-identify it.

10.9 Backups and your own records

We keep routine backups to recover from failures. Backups are not a records-retention service. You must keep your own copies of signed documents, deal jackets, tax packages, and any record your state requires you to hold.

We may disclose Dealer Data when required by law, subpoena, or court order. Where allowed, we will tell you first and give you a chance to object.

10.11 Security incidents

If we determine that Dealer Data in our possession, or in the possession of one of our subcontractors, has been accessed, acquired, disclosed, or used without authorization (a "Security Incident"), we will notify the owner email on your account without undue delay and no later than 72 hours after we make that determination. The notice will describe, as far as we know it at the time, what happened and when, which categories of data and roughly how many Consumers or staff were affected, and what we are doing about it, and we will update it as we learn more. We will preserve relevant logs, cooperate with your investigation, and give you the information you reasonably need to make any notice the law requires you to give, including a notice to the Federal Trade Commission under the Safeguards Rule. Unless the law requires otherwise, you decide whether and how to notify Consumers, regulators, and card networks about your Dealer Data; we will not notify your Consumers directly without your agreement except where the law requires us to. Nothing in this Section limits your remedies under Section 16.

11. Availability, maintenance, and changes

11.1 Availability

We will use commercially reasonable efforts to keep the Service available, but we do not promise any uptime level. The Service depends on hosting, carriers, and Third-Party Services we do not control.

11.2 Maintenance

We may take the Service down for maintenance. We will try to schedule it outside your business hours and to give notice in the app when practical. Emergency maintenance may happen without notice.

11.3 Changes to the Service

We improve the Service continuously and may add, change, or remove features. If a change materially reduces core functionality you pay for, we will tell you at least 30 days in advance where practical, and you may cancel.

11.4 Data loss

Despite backups, data can be lost. Our liability for data loss is limited by Section 16.

12. Intellectual property and feedback

12.1 Our property

The Service, including its software, design, templates, generated descriptions, documentation, and trademarks, belongs to us or our licensors. Except for the license in Section 4, we grant no rights. "Levels" and "Levels Dealer OS" are our marks. Partner marks shown in the Service belong to their owners.

12.2 Your content and marks

You keep ownership of your content and trademarks. You allow us to display your name, logo, and business details on your Dealer Site, listings, feeds, documents, and channels you enable.

12.3 Feedback

If you give us ideas or suggestions, we may use them without obligation to you.

12.4 Generated documents

Deal documents, disclosures, and templates in the Service are provided as tools. We do not warrant that they meet your state's requirements. Have your forms reviewed by your own counsel.

13. Confidentiality

Each of us will protect the other's confidential information with reasonable care and use it only under these Terms. Confidential information does not include information that is public, already known, independently developed, or lawfully received from another source. Either of us may disclose confidential information when the law requires, after giving notice where allowed. Dealer Data is your confidential information. Non-public features, pricing, and security details of the Service are ours.

14. Acceptable use by everyone

No one may use the Service to break the law, harm others, or harm the Service. We may remove content, block traffic, or suspend access to protect the Service, our customers, Consumers, carriers, or providers.

15. Disclaimers

The Service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be error-free, secure, or uninterrupted. We do not warrant that data from government, manufacturer, credit, or marketplace sources is accurate, or that AI output is correct. We are not a law firm, accounting firm, credit bureau, lender, payment processor, or tax preparer, and nothing in the Service is legal, tax, credit, or financial advice. Some states do not allow some disclaimers, so some may not apply to you.

16. Limitation of liability

To the fullest extent the law allows:

17. Indemnification

This Section applies to Dealers only. You will defend and indemnify Levels Tech LLC, its affiliates, and their officers, employees, and contractors against claims, fines, and expenses, including reasonable attorneys' fees, arising from:

We will notify you of a claim promptly and let you control the defense. You may not settle in a way that admits our fault or binds us without our written consent. We may join the defense with our own counsel at our cost.

18. Term, suspension, and termination

18.1 Term

These Terms start when you accept them and continue until terminated. Subscriptions run for the period in your Order and renew automatically unless canceled.

18.2 Cancellation by you

You may cancel at any time from your account or by emailing admin@levels.dealer. Cancellation takes effect at the end of the current billing period. Fees already paid are not refunded except as Section 9 states.

18.3 Suspension

We may suspend some or all of the Service, immediately if needed, when we reasonably believe that:

We will tell you why and lift the suspension when the issue is resolved, where reasonable.

18.4 Termination by us

We may terminate these Terms with 30 days' notice for any reason. We may terminate immediately if a suspension issue is not cured within 30 days, if you become insolvent, or if the law or a provider requires it.

18.5 Effect of termination

When these Terms end, your and your users' access ends, your Dealer Site and connected domains stop being served, phone numbers are released under Section 6.4, pending automated messages stop, and open integrations are disconnected. Sections 10.5 and 10.6 govern export and deletion. Sections that by their nature should survive, including 5, 9, 10, 12, 13, 15, 16, 17, 19, and 21, survive termination.

19. Governing law, venue, and dispute resolution

19.1 Governing law

These Terms are governed by the laws of Arizona, without regard to its conflict-of-laws rules.

19.2 Informal resolution first

Before starting a formal dispute, you agree to email us at admin@levels.dealer with a description of the problem and give us 30 days to try to resolve it.

19.3 Venue

The state and federal courts in Pima County, Arizona have exclusive jurisdiction over any dispute arising from these Terms or the Service, and each of us consents to that venue.

19.4 Injunctive relief

Either of us may ask a court to stop unauthorized use of the Service, Dealer Data, or confidential information.

20. Changes to these Terms

We may update these Terms. For material changes, we will give at least 30 days' notice by email to the account owner or by a notice in the app, and we will update the effective date above. Changes required by law or by a provider may take effect sooner. Continuing to use the Service after a change takes effect means you accept it. If you do not agree, cancel before the change takes effect.

21. General terms

21.1 Notices

We send notices to the owner email on your account and inside the app. You send notices to admin@levels.dealer or 5151 N Oracle Rd Ste 125, Tucson, AZ 85704. Notices by email are effective when sent.

21.2 Entire agreement

These Terms, your Order, the Privacy Policy, and feature notices in the Service are the entire agreement about the Service and replace prior discussions.

21.3 Assignment

You may not transfer these Terms or your account without our written consent, except to a buyer of your dealership who accepts these Terms. We may assign these Terms to an affiliate or a successor.

21.4 Independent parties

We are independent contractors. These Terms create no partnership, joint venture, agency, or franchise.

21.5 Severability and waiver

If a court finds part of these Terms unenforceable, the rest stays in effect. A failure to enforce a right is not a waiver of it.

21.6 Events beyond our control

Neither of us is liable for delays or failures caused by events beyond reasonable control, such as outages of carriers, hosting, or providers, natural disasters, or government action. Payment obligations are not excused.

21.7 Export and sanctions

You may not use the Service in violation of U.S. export control or sanctions laws.

21.8 U.S. market

The Service is designed for dealerships in the United States. Using it elsewhere is at your own risk and subject to local law.

21.9 Electronic contracting

You agree to receive contracts, notices, and disclosures from us electronically. Electronic signatures and records satisfy any requirement that an agreement be in writing.

22. Contact