Terms of Service

1. What getBo Is (and Is Not)

getBo is a decision-support tool for dealership personnel.

It provides information and analysis based solely on the lender documents, rate sheets, and deal information you choose to upload or provide.

getBo:

• does not make credit decisions
• does not approve or decline loans
• does not guarantee funding, rates, terms, or eligibility
• does not replace lender underwriting or dealer judgment

All outputs are informational only. You are responsible for reviewing, verifying, and approving all deal terms before contracting or funding.

2. Your Content

You may upload documents such as lender rate sheets, program guides, screenshots, or deal structures (“User Content”).

You represent that:

• you have the right to upload and use this content
• the content is provided in the course of your dealership operations
• the content does not violate any applicable law or agreement

We use your content only to provide the Service to you.

We do not:

• publish your documents
• share them with other dealers
• use them to train public or shared AI models

3. Accuracy and Limitations

getBo reads and reasons over the documents you provide.

However:

• lender documents may be incomplete, outdated, or ambiguous
• some rules may be tier-specific or conditional
• some answers may depend on information not present in the document

If the information does not exist clearly in the document, getBo may state that it cannot determine the answer.

You acknowledge that:

• errors are possible
• outputs must be reviewed
• getBo should not be relied upon as the sole basis for financial decisions

4. No Professional Advice

The Service does not provide legal, financial, underwriting, or compliance advice.

Nothing in the Service should be interpreted as:

• a commitment by any lender
• an approval or denial
• a contractual offer
• a substitute for professional judgment

5. Use of the Service

You agree to use the Service only for lawful dealership and business purposes.

You may not:

• misuse the Service
• attempt to reverse engineer it
• interfere with its operation
• use it to misrepresent lender policies or decisions

We reserve the right to suspend or terminate access for misuse.

6. Intellectual Property

The Service, including its software, design, and functionality, is owned by Xlerates Technologies, LLC.

You are granted a limited, non-exclusive right to use the Service as provided.

These Terms do not grant you ownership of the Service or its underlying technology.

7. Disclaimers

The Service is provided “as is” and “as available.”

To the maximum extent permitted by law:

• we make no warranties, express or implied
• we disclaim all warranties of accuracy, reliability, or fitness for a particular purpose

8. Limitation of Liability

To the fullest extent permitted by law, Xlerates Technologies, LLC shall not be liable for any indirect, incidental, consequential, or business losses arising from your use of the Service.

Our total liability, if any, will not exceed the amount you paid to use the Service during the applicable period.

9. Changes to These Terms

We may update these Terms from time to time.

If we do, we will update the effective date. Continued use of the Service means you accept the updated Terms.

10. Governing Law

These Terms are governed by the laws of the state in which Xlerates Technologies, LLC is formed, without regard to conflict of law principles.

11. Contact

Questions about these Terms can be directed to:

Xlerates Technologies, LLC
legal@xlerates.com