LEVELSDEALER OS

LEVELS DEALER OS · LEGAL

Terms of Service

Last updated October 28, 2026

Effective date: September 5, 2026. The Market Watch site records changes in Sections 10.2, 10.3, and 13 apply to each dealership at the time the change notice below describes.

Change notice (September 15, 2026): We added the Market Watch site records paragraph to Section 10.2 and updated Sections 10.2, 10.3, and 13 to match. They describe the records we keep when a dealership adds another dealership's website to Market Watch. This is a material change under Section 20, and it applies to each dealership separately. It applies to a dealership from the moment one of its owners agrees to this version of these Terms and our Privacy Policy by checking the box when signing up, claiming a dealership, accepting an invitation, or accepting the updated version in the app. For a dealership that already had an account when we emailed notice of the change to its account owner, it applies 30 days after that email if no owner has agreed sooner. Until the change applies to a dealership, we do not use that dealership's Market Watch entries for these records, and the earlier version of those Sections applies to that dealership.

Change notice (October 17, 2026): Section 8.4 now describes signing in to the customer portal with a one-time code sent to the phone number or email address the dealership has on file, and Section 8.5 says that signed copies can also be opened from that account. Nothing changes for dealerships.

Change notice (October 18, 2026): Sections 8.2 and 8.4 now describe the link to your account the dealership sends after you apply or prequalify, which asks for a one-time code, the confirmation screen's way into that one application, and the status your account shows. Nothing changes for dealerships.

Change notice (October 18, 2026, financing options): Sections 8.4 and 8.6 now describe the financing options a dealership may publish to your account and what an option marked as an estimate means. Nothing changes for dealerships.

Change notice (October 18, 2026, choosing an option): Sections 8.4, 8.6, and 8.7 now describe choosing a financing option in your account, what happens when the dealership revises the option you chose, the next steps you can ask the dealership for there, including a visit, and withdrawing an application. Nothing changes for dealerships, and nothing new is collected from them; what we record when you choose an option or ask for something is described in Sections 5, 9.1, and 12 of the Privacy Policy.

Change notice (October 18, 2026, documents we need): Sections 8.4 and 8.6 now describe the documents a dealership may ask you for in your account, how you send them, who can open them, and what sending them does and does not do (references you send reach your application, and your purchase's references, only when the dealership accepts them). Nothing changes for dealerships, and nothing new is collected from them; what we keep and who can open it is described in Sections 5, 9.1, 9.2, 12, and 13 of the Privacy Policy.

Change notice (October 18, 2026, paperwork and signing): Sections 8.4 and 8.5 now describe where your paperwork stands in your account, the pages you are asked to sign there, and opening them from your account once the dealership has reviewed your deal and it is ready for your signature — the same signing page as the link the dealership sends you, which it never cancels. Nothing changes for dealerships.

Change notice (October 18, 2026, my vehicle and financing): Section 8.4 now describes "My Vehicle & Financing", what your account shows for a purchase once the dealership marks it complete — for a loan from another lender, only the payment details the dealership confirmed, never that lender's balance or payment status. Section 5.10 says that a dealership is responsible for the payment details it confirms to a customer, and that marking a sale complete does not mean it was funded.

Change notice (October 18, 2026, another test drive): Section 5.6 now says that a dealership starting a test drive with a license on file from an earlier drive is responsible for making sure the person driving is the person on that license, and that a customer's request for another test drive it accepts is from the customer who asked.

Change notice (October 27, 2026, imported sales' price and tax): Section 5.7 now says that the price and tax of a sale imported from your previous system can be entered from its own paper by your owner or a manager, or by Levels at your request, with the difference posted to your sales-tax ledger as a correction, never into a period already recorded as filed.

Change notice (October 28, 2026, pricing by module): Section 9.1 now sets out pricing by module — $29 per month each, the Full Package at $299 per month or $2,990 per year — a payment card on file at sign-up with nothing charged that day, the free periods a promotion code gives (one per module per dealership, tied to its dealer license number), the 3-user limit outside the Full Package, how cancelling works, and what happens when a payment fails. Section 9.2 says modules are always charged automatically. Dealerships that signed up before today keep the plan they signed up under.

Change notice (October 28, 2026, phone numbers and offers): Section 9.1 now says what a phone number past those a plan includes costs (our carrier's monthly price for it plus $1), and sets out the Founding Dealer price, referrals, the sell-a-car guarantee, the switching offer, referral cards, the offer that may come with cancelling, and modules we give at no charge.

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.

Levels Fill is a second browser extension. It is off unless we have made it available to your dealership and your owner has switched it on. Where it is on, your active staff with summary-level credit access or higher may each pair their own browser and, after entering their own PIN, have the extension type a credit application from Levels into the credit application screen of your own account at your dealer management system: the applicant's answers and, unless your owner has set that person to work without them, the applicant's Social Security number and driver's license number. Your owner can switch any person off, and a login that was created, raised in credit access, or given a set-password link in a Levels support session waits for your owner's approval. That system is a Third-Party Service you chose (Section 6.1), and for a fill our servers send it nothing: your staff member's own browser types. The extension fills boxes and stops: it does not save or submit, run credit, or tick a consent box. You are responsible for your account at that system, for who at your dealership may use the extension, and for having your staff check what was typed, and that it is on the right customer's record, before they save it or run credit.

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, rate 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. If you turn on the estimated rate for prequalified shoppers, the Service shows a consumer an estimated annual percentage rate worked out from the rate sheets you uploaded and approved, with the disclosure text we provide; the rate sheets, the dates they took effect, and whether that estimate is advertising you may lawfully make are yours to judge. 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. When you start a test drive with a license on file from an earlier drive, you are responsible for making sure the person driving is the person on that license, and that a customer's request for another test drive that you accept is from the customer who asked. 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. What the Service works sales tax out on when a sale is recorded follows the state on file for your dealership. Where Levels has set a rule for that state, the Service applies it without you activating anything: for a dealership in Arizona, your rate on the vehicle's sale price less any trade-in allowance, with your fees and any warranty or service contract left out of the taxed amount. For any other dealership, your rate on the sale price together with your fees and any warranty or service contract. A sale keeps the tax it was recorded with. The one exception is a sale imported from your previous system: its price and tax can be entered from its own paper by your owner or a manager, or by Levels at your request; the difference is posted to your sales-tax ledger as a correction, never into a period already recorded as filed, and the imported documents are not changed. You are responsible for the state on file, for whether that treatment is right for your sales, and 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. When you mark a sale complete, the buyer's account shows it as My Vehicle & Financing (Section 8.4); marking it complete records that your paperwork is finished — it does not mean the sale was funded, and it changes no vehicle status, report, or tax record. It waits while a page is marked to Re-Sign or the customer's "something isn't right" is open. You can mark your past sales together — those whose paperwork was finished more than 7 days ago, at most 500 at a time — and their buyers are not sent a message. For a loan from another lender, the buyer's account shows only the payment details a member of your staff confirmed, exactly as confirmed: you are responsible for checking them against the contract or the lender's welcome letter, for confirming them again when they change, and for giving the lender's customer payment website — never the address where you submit applications to the lender. Only the last four digits of a loan account are kept.

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, messages sent to the tasks line, the texts and photos sent to your receipts line, which of them was alerted about a Consumer's text, and each release made to a browser they paired with Levels Fill. 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. Credits we grant are consumed the same way, one per completed pull, and returned to your balance if no report is returned. Where we bill your dealership's credit reports monthly under Section 9.3, a pull that returns no report is not billed.

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, review classification and response drafts, reading of staff texts on the tasks line, onboarding copy, reading a lender rate sheet you upload, lead scoring, and conversations in the AI Shopping Layer ("AI Features"). Automatic replies to customer texts (Section 7.3) are not an AI Feature: no AI model writes or chooses them. 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); review analysis (review text and rating, and your staff names); the tasks line (the text of a staff task message); onboarding copy (public details of your existing website); and rate-sheet reading (the lender rate sheet PDF you upload, sent whole, so the lender's details and rates come back for your staff to check — a rate sheet is a business document between you and your lender and holds no consumer information, and nothing it returns is saved until your staff approve it). Where you turn on the estimated rate for prequalified shoppers, the rate a Consumer sees is read from your approved rate sheet by score, so it can indicate their score range. Automatic replies to customer texts send nothing to a model provider. 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, with a fixed note that the message was received. The note says that the message has been passed to your team only when an alert about it has actually gone to one of your staff, and gives your posted hours for that day where you posted them. No AI model writes or chooses it, and it draws nothing from your CRM or inventory. Where a text names one of your vehicles, the Service may also compose an answer about that vehicle from its record and show it to your staff under the text; the Service does not send that answer. Whether or not automatic replies are on, the Service alerts your staff about a Consumer's text as Section 9.4 of the Privacy Policy describes. Unless you choose otherwise in the automatic-reply settings, a text that no staff member is tied to goes to every active staff member whose access role is Sales and whose department is Sales or not set. A text from a past buyer, whose newest record is a sale more than 30 days old, goes to your owners and managers instead, with the exceptions that section gives. 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. A link to your account, such as the one we send after you apply or prequalify so you can check your status, opens nothing by itself; it asks for a one-time code sent to the phone number or email address it was sent to.

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; an automatic reply is marked as automatic, is not written by an AI model, and is a fixed note that your message was received. Section 9.4 of the Privacy Policy describes it and the alert about your text that goes to the dealership's staff. 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

You can sign in to your account on the dealership's website with a one-time code sent to the phone number or email address the dealership has on file for you. Right after you submit an application or a prequalification, the confirmation screen can open that one application in your account on that device for 24 hours without a code; anything more needs a code. There is no password. Anyone who can read messages sent to that number or address can sign in, so keep them private. If you share a phone number or email address with someone, each person's records are shown under their own name, but both of you can sign in from it. Your account shows your purchases from the dealership, where the paperwork of a purchase stands (Being prepared, Ready to review, Awaiting your signature, Signed — waiting on your co-buyer, Signed — waiting on the dealership, or Complete; a sale the dealership imported from its earlier system, cancelled or archived shows none) and the pages of it you are asked to sign, and — once the dealership has reviewed your deal and it is ready for your signature — lets you open those pages to sign them (Section 8.5), your signed copies once all of your paperwork is signed and the dealership has sent them to you (copies of a sale recorded in the dealership's earlier system are not shown), your applications and where each one stands, the financing options the dealership publishes to you, and, if the dealership finances you directly, your loan balance and payment history; once the dealership marks a purchase complete — which it can do only when every signature is in, no page waits to be signed again and nothing you said isn't right on the deal is still open, and not for a sale it imported from its earlier system, a wholesale sale, or a cancelled or archived one — that purchase shows as My Vehicle & Financing: the vehicle, the day you bought it, the dealership's phone, address and hours, your signed copies, and your payments — for a loan from the dealership, the loan as above and the first payment date of your contract; for a loan from another lender, only the payment details the dealership confirmed against your contract or the lender's welcome letter (who you pay, the payment, how often and how many, the first payment date, the last four digits of your loan account, and the lender's payment website, phone and instructions), and until it has, a line saying it will add them. Your account never shows another lender's balance or whether a payment reached it: that lender keeps them, so ask the lender. The lender's payment website is the lender's own site, under the lender's terms. If a page of that purchase is opened for your signature again afterwards, your account shows where that paperwork stands, not that the purchase is complete, until it is signed. Marking a purchase complete does not mean your loan was funded, and the dealership can take the mark back; when the dealership has online payments switched on, it lets you pay through Stripe's secure checkout page under Stripe's terms. Your account shows the status of an application in plain words; a prequalification is a soft check and is never shown as a lender's approval, and the status screens of your account do not show your credit score. An option shows only what the dealership filled in, and the day it is good through by the dealership's own calendar; one past that day is shown as expired, and one whose lender answer the dealership withdrew or replaced is shown as being updated, without its terms. A published option is never changed: a revised one replaces it as a new version. To go ahead with an option that has not expired and is not being updated, press Continue With This Option in your account; the dealership is told. You can choose a different option until the dealership starts your deal; after that, talk to the dealership to change it. If the dealership revises the option you chose, your choice still names the version you chose, and your account shows its earlier and new terms side by side; to go on with the new terms, press Continue With the Updated Terms, or choose a different option. From your account you can also ask the dealership for a visit (Section 8.7), for your paperwork online once you have chosen an option, for a car from its inventory on an application that names none, or for updated options when yours have expired, and you can send it a message of up to 1,000 characters, in which you should not include your Social Security number or bank details. You can take back a request that is still open, and a visit time the dealership answered doesn't work. A car you ask for is put on your application by the dealership; your request does not change the application. You can withdraw an application with Withdraw this application: the application is marked withdrawn, which cannot be undone from your account, your open requests and any upcoming visit you booked or asked for from your account are canceled (a visit the dealership booked itself stays until the dealership changes it), and the dealership is told. Once you withdraw it, nothing more from that application is sent to a lender or to the dealership's dealer management system — a submission waiting to go is held, and the Levels Fill tool types none of it into that system — no credit report is pulled for it, no new option is published on it, and no deal is started from it. An application you make after that starts a new, separate file. The dealership may ask you for documents in your account (Documents we need): you send a photo or a file for each and press Send, you can take a page back until then, and the dealership accepts it or asks for a new one with a reason you can read. What you send is kept privately with the dealership's credit file; you and the dealership's authorized staff can open it, and a Social Security card or letter opens only for staff with full credit-data access. References you type are kept with the request and added to your application — and, once the dealership has started your purchase, to the purchase's references — when the dealership accepts them. Do not enter card or bank details anywhere in your account other than Stripe's checkout page, except in a document such as a bank statement that the dealership asked you to send there.

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. Once the dealership has reviewed your deal and it is ready for your signature, you can also open the documents waiting for your signature from your account on the dealership's website, when you signed in with a one-time code: it opens the same signing page as the link the dealership sends you, with the same consent and, if the dealership asks for one, the same one-time code, and it never cancels a link the dealership sent you. If the dealership cancels your signing link, your account does not open another until the dealership sends you a new link or reviews your deal again. Your signed copies are sent to you by the link or email the dealership has for you, and once they have been sent you can also open them in your account on the dealership's website; 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 the dealership has turned it on, your result may also show an estimated annual percentage rate, worked out from your score, the vehicle, the term, and the amount financed against the rate sheets the dealership's lenders gave it; it is an estimate and not an offer of credit, no lender has seen your file, and the rate you are actually offered may be higher or lower, or financing may not be available. If you started through an AI assistant, the assistant may receive a summary. The terms of the financing options a dealership publishes to you are shown only in your account, never in a text or an email. An option is shown as an approval only while the lender's answer the dealership recorded for it still stands, or, for financing the dealership provides itself, when its owner or a manager published it and the dealership still offers that financing; an option marked as an estimate is not an offer of credit or a lender's approval, and the terms you are actually offered may differ. Viewing options runs no credit check and sends nothing to a lender. Choosing an option is not signing anything and is not a loan. Choosing one, anything you ask for from your account, and any document you send there, runs no credit check, sends nothing to a lender, to a lender network, or to the dealership's dealer management system, and does not change your application; references you send are added to your application — and, once the dealership has started your purchase, to the purchase's references — only when the dealership accepts them. We record which option you chose, when, and the sign-in you chose it from (Section 9.1 of the Privacy Policy).

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, or, for an open time you booked from your account, in your account; a visit the dealership confirmed after you asked for it from your account is changed by contacting the dealership. You can ask for a visit from your account: where the dealership has posted hours you can book, you book an open time on its calendar right away; where it has not, you pick a day and a time, and that time is a request until the dealership confirms it — if the dealership answers that the time doesn't work, you pick another. 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. The Service is sold by module. Starter is $29 per month and is the base every other module is added to. Smart CRM, Dealer Phone Line, Website Builder, In-House Payments, Lot View, Test Drive Control, Team, Market Watch, Consignment, and Recon Board are $29 per month each. The Full Package, at $299 per month or $2,990 per year, includes every module, the features offered only in it (among them the Deal Vault and electronic signing, Finance, Taxes, Accounting, Operations, Analytics, and Reputation), unlimited users, and up to 10 phone numbers. Without the Full Package, a dealership may have up to 3 active users, and a paid plan includes up to 5 phone numbers. Each phone number a dealership on these plans keeps beyond those its plan includes costs our carrier's monthly price for that number plus $1 a month, prorated from the day it is added until it is released and charged with your next invoice. The Dealer Phone Line includes 500 call minutes a month. A module that is not on can still be opened to see your own data, but changes in it wait until it is on.

You add a payment card when you sign up. Nothing is charged that day, and your plan starts once the card is saved. With a promotion code we publish (currently #LevelUP), each module's first 14 days are free, counted from the day you switch it on, and so are the Full Package's. If you switch to the Full Package while every module you have on is still in its free period, the Full Package's free period ends when the earliest of theirs would have. Each dealership gets one free period per module, tied to its dealer license number. Without a code, a module is charged from the day you switch it on. When a free period ends, the module's fee is charged to your card unless you cancelled it first.

You may cancel a module, or the Full Package, under Billing. A module cancelled during its free period ends at once and is not charged. A paid module stays on until the end of the period you paid for, then ends. Cancelling Starter ends every module with it. Cancelling the Full Package keeps Starter on, unless you choose to cancel everything. If a payment fails, the module stays on for 3 days; after that it is read-only until the payment goes through.

Founding Dealer price. The first 100 dealerships to start the Full Package on a monthly plan pay $199 a month for it instead of $299, for as long as the dealership has an account with us. Each of the 100 places is given once.

Referrals. A dealership that signs up through another dealership's referral link gets the first 30 days of each module free instead of 14. When it makes its first payment, each of the two dealerships receives a credit equal to one month of its plan's price at that time, applied to its next invoices. A referral code printed on a card someone gave you (for example #LevelUP-ABC) records who referred you; we may pay that person a referral fee, and it changes nothing about your price.

The sell-a-car guarantee. If your dealership records no sale in the Service in the 30 days after its first payment, you may claim a refund of the payments made in those 30 days, within the 30 days that follow them. We check each claim, and refund an approved claim to the card that paid. Sales imported from another system do not count.

Switching. A dealership moving to Levels from DealerCenter, DealerTrack, or spreadsheets can ask us to move its data over at no charge; we aim to finish within 48 hours of receiving its files.

Offers when cancelling, and modules at no charge. When you cancel a module we may offer to keep it at a lower price for a stated time; an offer you accept applies as stated when you accept it. We may also give a module or the Full Package at no charge; a module given at no charge can be ended by us or by you at any time, and nothing is charged for it.

Dealerships that signed up before October 28, 2026 keep the plan they signed up under, including its trial, until we give notice of a change under Section 9.5.

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. Credit reports we bill monthly under Section 9.3 are the exception: they are billed in arrears, as that Section describes. 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. Modules and the Full Package are always charged this way, on the day each period begins. For a plan from before October 28, 2026, 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.

Monthly billing for credit reports. At our discretion, for a dealership we choose, we may bill credit reports monthly in arrears at the per-report price instead of requiring prepaid credits. While we do, any prepaid credits your dealership already holds are used first. After that, each pull that returns a report is billed at the per-report price in effect for your account when it was pulled, and a pull that returns no report is not billed. The reports for each calendar month, counted in Coordinated Universal Time (UTC), are added as one charge to your dealership's Levels invoice for that period, on the next invoice we issue after the month ends. If your dealership has no active month-to-month Levels subscription to add them to (for example, during a trial, on a yearly plan, or when your subscription is set to cancel), we will arrange payment with you directly or may waive them. We may return your dealership to prepaid credits at any time; reports pulled before then are still billed.

Complimentary credits. We may grant credits at no charge, at our discretion. They are used like prepaid credits and have no cash value.

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, (c) our part in the joint credit-provider notice described in Section 5.2, and (d) the Market Watch site records described next. Our Privacy Policy governs those records.

Market Watch site records. When you add another dealership's website to Market Watch, we may keep a record of that business on our own behalf: its public website address, which also serves as the record's name, and the public inventory information Market Watch collects from that website, such as the vehicles listed, when they appear on and leave the site, and their price changes. To keep that record we use three parts of your Market Watch entry, which are otherwise Dealer Data: the website address you added, when you started tracking it and whether you still do, and the name you typed for it. We use that name only to recognize a Levels dealership's own website, and we do not store it in the record. We do not use your customers, leads, deals, messages, or any other Dealer Data for these records. We use your Market Watch entries for these records only once this change applies to your dealership, as the change notice at the top of these Terms describes. If we already hold a record with the same website, such as a record from a state dealer license list, we add the site to that record. If the website is a Levels dealership's own site, or the name typed for it is a Levels dealership's name, we note only that it belongs to that dealership and do not create a record to market to. A page on a shared website, such as a Facebook page or a Craigslist search, is not treated as one business, and we keep no record for it. We may contact that business about Levels. Levels staff can see internally which Levels dealerships track a website and since when. We never tell a tracked dealership which Levels dealerships track it. A text, email, in-app message, or support-desk reply that Levels staff send through our HQ tools is refused if it names a Levels dealership that tracks or has tracked that business's website, or gives that dealership's web address, whether it is sent to the record that holds the website or to another record or support contact that is, or may be, the same business. These records are business information, not personal information about Consumers. If you stop tracking a website, we keep the record, and you are no longer counted as tracking it.

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 (including the Market Watch site records described in Section 10.2), 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, except that we hold the Market Watch site records described in Section 10.2 on our own behalf; which dealerships track a website stays confidential within Levels. 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