Effective Date: May 21, 2022
AS USED HERE, THE TERMS “YOU” AND “USER” SHALL MEAN ANY VISITOR TO CARIO INC. (“App” or “Cario”).
PLEASE READ THESE TERMS OF USE CAREFULLY. BY VISITING THIS APP YOU AGREE TO BE BOUND BY THE BELOW TERMS OF USE. THE TERMS OF USE MAY CHANGE IN ACCORDANCE WITH OUR DISCRETION, IN SOME INSTANCES, WITHOUT NOTICE. WE WILL POST REVISIONS TO THESE TERMS OF USE ON THIS APP OR WEB SITE. IF YOU DISAGREE WITH THESE TERMS PLEASE LET US KNOW, IF WE CANNOT RESOLVE YOUR GRIEVANCES, PLEASE DO NOT USE THE APP.
You may not use Cario for any unauthorized purpose, including entry into our systems, misuse of information such as passwords or information either: received in this App or via communicating with this App.
You agree that (i) you will not engage in actions in relation to Cario that are not consistent with: the terms of any agreements you have with Cario, or applicable law or regulation, and (ii) when locations of this App demand identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals. You agree that you will not use any device or process to track or duplicate any data from Cario without prior express written consent.
You agree that if a reasonable business purpose dictates we may disclose information that you provide through this App to at least one: Lease Provider, Car Dealership, Insurance Companies, Lease Financing Offeror or other party which assists with executing the lease or new vehicle purchase transaction (collectively “Lease or Purchase Facilitators”). Your information may also be disclosed to (i) any Cario third-party; or (ii) another party with your consent or if we have a right and/or duty to disclose such information by law.
Visiting this App may be tracked, monitored or recorded, and all users expressly consent to such observation unless they notify us otherwise. It is the duty of the App visitor to be current on the App’s terms each time you use the App.
Cario is directed only to individuals who can enter into binding contracts under applicable law; hence, Cario is not intended for use by individuals under eighteen (18) years of age. If you are under 18, you may use the App only with a parent or legal guardian.
Individuals younger than age 18 may not provide any personal information (PI) to the App. Cario defines PI as information which identifies you or may reasonably be used to identify you.
You agree to these Terms of Use when you use the App. These Terms of Use constitute the entire and only agreement between you and Cario which governs your use of the app, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the App. By continuing to use this App, you consent to the effects of these Terms of Use. However, please regularly visit this page for revisions to the Terms because only the most current version is binding.
You do not need to provide all the below information in order to enroll in Cario. However, should you submit a credit application, the credit application requires information such as: (a) your full name; (b) home address including time spent at current residence and monthly mortgage/rent; (c) e-mail address; (d) telephone numbers; (e) employment information including occupation, employer name, contact info and time at your current job; (f) monthly income estimate; (g) whether you declared bankruptcy in the prior seven (7) years; (h) whether you have a cosigner, if needed; and (l) Social Security Number (collectively, the “App Registration Data”).
Upon entering your App Registration Data and clicking “Submit” at the bottom of the Application, your App Registration Data will be redirected to the applicable Lease or Purchase Facilitators. The information that you must supply to the Lease or Purchase Facilitators shall be determined by such Lease or Purchase Facilitators.
Cario provides users with an opportunity to apply for leases as offered by Lease or Purchase Facilitators. Please be advised that Cario does not itself provide leases or loans. Please review the terms offered by Lease or Purchase Facilitators. To receive loan offers, lease offers and/or services, you must first fully complete the Application and relevant forms as directed by Lease or Purchase Facilitators. Lease or loan approval will be determined solely by that entity.
Cario will verify and approve all completed Applications, and associated Registration Data, in accordance with industry-standard verification procedures. You agree to provide true, accurate, current and complete Registration Data.
Cario and/or Lease or Purchase Facilitators have the right to reject any Registration Data where determined, that : (i) you are in breach of the Agreement; and/or (ii) the Registration Data that you provided is incomplete, fraudulent, a duplicate or otherwise unacceptable. Cario may change the Registration Data criteria at any time, in their sole discretion.
Unless explicitly stated otherwise, any future offer(s) made available to you on the App that augment(s) or otherwise enhance(s) the current features of the App shall be subject to the Agreement. You understand and agree that Cario is not responsible or liable in any manner whatsoever for your inability to use and/or qualify for Cario sponsored products, services and/or any associated functionality. You understand and agree that Cario shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any Lease or Purchase Facilitators If Cario terminates the Agreement, Cario shall have no liability or responsibility to you.
Additional terms and conditions will apply to your lease or purchase; please read any additional terms and conditions provided by Lease or Purchase Facilitators carefully. Your consent to abide by such terms and conditions is completely independent from your relationship with Cario. Lease or loan is only guaranteed once credit is approved by Lease or Purchase Facilitator and transaction is completed by such party(s) and you; Cario is not a party to such transaction.
Where this App displays links to sites/apps operated by third-parties these links are not under the control of Cario and Cario is not responsible for any such content. The inclusion of any link should not be understood to be an endorsement by Cario of any such link. Enter such links at your own risk.
Cario does not check third-party-created content for appropriateness or violations. We invite everyone to report violations from any Cario-affiliated third-party or otherwise. When we receive reports of any inappropriate content such content may be removed or disabled.
Furthermore, Cario is not responsible for the content, quality or the level of service provided by Lease or Purchase Facilitator. We provide no warranty with respect to the lease, loan, their delivery, and any communications between Lease or Purchase Facilitators and Cario users. We encourage users to research Lease or Purchase Facilitators by means of all due diligence available to them. By offering a service, the Lease or Purchase Facilitators undertakes that he/she has sufficient permissions, rights and/or licenses to provide the lease or loan.
We launch the process by providing a minimum of your name and address to a nationally recognized credit verification agency ONLY WITH CONSENT and the next steps are based on the response we get from such agency.
When you register for an account with us, you are providing to us the following specific consents:
You understand that by clicking on the I AGREE button immediately following this notice, you are providing 'written instructions' authorizing Cario to obtain your PI to complete the offer, as necessary.
All content included on or comprising the Cario association with lease or loan offer, including information, photographs, typefaces, graphics, and other material is protected by intellectual property rights.
These rights are protected as current or based on future developments. All content is protected under relevant trademark, copyright and patent laws, and Cario owns, to the fullest extent of the law, the trademarks, copyrights and patents in the arrangement, coordination and other modifications to content.
You may not remove or modify any intellectual property contained in any content you use, and you may not post or duplicate any such information in any medium. All the same written above in this section applies to derivative works. Intellectual property displayed on Cario is the property of their respective owners and is used with permission by Cario and may not be manipulated or duplicated without the express, written consent of the intellectual property owner.
Please inform us if you notice any intellectual property violation on or associated with this App.
Cario believes in protecting your privacy. Please click here to review our current Privacy Policy, which also governs your use of the App and is incorporated by reference, to understand our practices.
THE APP AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. CARIO DOES NOT PROMISE THAT THE APP OR ANY CONTENT, OR FEATURE OF THE APP WILL BE ERROR-FREE OR UNINTERRUPTED, THAT APP USAGE WILL OFFER GUARANTEED USAGE OR THAT ANY ISSUES WILL RESOLVED. THE CONTENT IN THIS APP COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL MISTAKES. ALL CARIO DATA IS SUBJECT TO CHANGE WITHOUT NOTICE. CARIO CANNOT ENSURE THAT ANY DATA OR FEATURES YOU DOWNLOAD FROM THE APP WILL BE FREE OF VIRUSES OR DESTRUCTIVE POSSIBILITIES. CARIO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CARIO DISCLAIMS ANY AND ALL LIABILITY FOR THE OMISSIONS AND ACTIONS OF ANY THIRD-PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE APP. YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE APP AND LINKED APPS.
YOU ACKNOWLEDGE THAT CARIO IS ONLY AN INTERMEDIARY BETWEEN (I) YOU AND THOSE ACTUALLY FURNISHING YOUR PI, AND (II) YOU AND MARKETING PARTNERS. YOU CONFIRM TOO THAT ANALYSES AND TOOLS AVAILABLE OFFERED ON THE APP SUCH AS SAVINGS ESTIMATES AND APPROVAL ODDS, ARE BASED ON ASSUMPTIONS AND SUBJECT TO LIMITATIONS DISCLOSED WITHIN EACH SUCH ANALYSIS OR TOOL. CARIO PARTIES EXPRESSLY DISCLAIM ANY LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT OR SERVICES; THE AVAILABILITY OR LEGALITY OF ANY OF THE OFFERS FROM OUR MARKETING PARTNERS.
You hold Cario free from liability for the loss or damage to data you have through the App, and it is your duty to create backups of data if you want them. Before making ANY decisions pertaining to lease, Cario recommends that you perform additional research and seek guidance from relevant financial professionals.
Cario cannot speak to the reliability of any advice offered by an entity which is affiliated with Cario, or any offers quoted through the App and does not endorse any specific third-party featured here. We also cannot guarantee to offer you the best possible deal. Services listed on the site do not represent all financing or credit options, products or services available in the market. Vehicles on Cario are not ours, we take no responsibility for any association with posted info. Posted prices typically do not include tax, finance charges and other commonly associated lease fees.
EXCEPT WHERE NOT PROVISIONED BY LAW, CARIO ITS EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUCH RELATED PARTIES SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, CLAIMS, DAMAGES OR OTHER EXPENSES (INCLUDING REASONABLE LEGAL AND ACCOUNTING FEES) EVEN IF CARIO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, CARIO MAXIMUM LIABILITY SHOULD BE EQUIVALENT TO THE AMOUNT YOU PUT FORTH TO DOWNLOAD THE APP WHETHER FROM USE OF THE APP, CONTENT, BREACH OF TERMS, VIOLATION OF LAW OR RIGHTS OF A THIRD-PARTY.
Any failure by Cario to exercise any rights or enforce any of these Terms of Use shall not imply a waiver of such rights. If any clause here or application to a circumstance is found invalid or unenforceable on any level, the rest of these Terms, or application of such is not impacted, and each clause here is valid and enforced to the fullest extent permitted by law.
This Agreement concerns a transaction in interstate commerce, and therefore shall be governed by the United States Federal Arbitration Act, 9 U.S.C. § 1 et seq.
These Terms of Use and the relationship between you and Cario is governed by the laws of the State of New York without regard to its conflicts of law provisions. You consent to personal jurisdiction by venue in the courts in New York County, New York, and agree that these courts are the only forum for litigation of any claim or cause of action arising out of or relating to your use of this App.
California: Married individuals can apply for separate accounts.
New York: A consumer report may be sought by lender when you apply. Lender may seek further consumer reports without additional communication with you when providing updated, renewal of credit. You may ask the lender whether it received a consumer report and, if so, the lender will send contact info of consumer reporting agency they used.
Ohio: Discrimination laws demand credit be made equally available to all creditworthy appliers and that credit reporting agencies hold isolated credit histories on each applier upon request. The Ohio Civil Rights Commission ensures compliance with this law.
Rhode Island: Credit reports can be received in connection with an application for credit.
Vermont: You authorize lenders that receive your application is shared with to receive and confirm information about you that they may deem necessary or appropriate when evaluating your application. If credit is granted, you authorize credit-granting entities to obtain further credit information about you relating to account review to assess account or for any other legitimate purpose.