END USER AGREEMENT 

By clicking "I Agree" (1) I authorize Premium Windsor Motorscom to share my application with the parties necessary to process it, including the local dealership selected by Premium Windsor Motorscom. (2) I authorize Premium Windsor Motorscom, the dealership and their employees, agents and potential assignees to obtain and verify information about me (including one or more credit reports, information about my employment and banking and credit relationships) that any of them may deem necessary or appropriate in evaluating my application. If my application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account. Increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose, and (3) I acknowledge receipt of the Privacy Notice below.

Premium Windsor MotorsCOM CONSUMER PRIVACY NOTICE

This Privacy Notice applies to all consumer visitors to Premium Windsor Motorscom who complete and submit a Premium Windsor Motorscom credit application ("Application").

This Privacy Notice tells you how we may collect and use Customer Information (described in the next section) about you. Our intent is to provide you with information about our privacy policies and practices. This Privacy Notice is not intended to be a contract.

How We Collect Customer Information:

We collect Customer Information about you from the following sources:

Customer Information we receive from you on your Application or other forms. Such Customer Information includes your name, address, social security (insurance) number, occupation, income, telephone number, and e-mail address, as well as any other information you provide on your Application.

In addition, when you visit our website(s), we sometimes collect anonymous information to help us provide better customer service. For example, we keep track of the domains from which people visit and we also measure visitor activity on our website, but we do so in ways that keep the information anonymous. We may use this data to analyze trends/statistics and to help us provide better customer service.

How We Disclose Customer Information:

By submitting your Application, you are directing us to disclose the Customer Information you provide in your Application to the motor vehicle dealer selected by Premium Windsor Motorscom. Your chosen motor vehicle dealer's finance department will review your Application and respond to you directly regarding its credit decision. Your chosen motor vehicle dealer will have access to your Application and the Customer Information it contains through the Premium Windsor Motorscom web site and assures you that the security of your personal information is protected until the dealer deletes such Application.

How We Protect Customer Information:

We restrict access to Customer Information about you to our employees and third parties who need to know that information in order to manage our systems and your account, and provide you with the products and services you request. Additionally, we maintain physical, electronic and procedural safeguards to protect your Customer Information in a manner consistent with industry standards for similar companies. We will review our safeguards from time to time, and strive to maintain them in a manner consistent with federal regulations that may be in effect from time to time.

By agreeing below, I consent to the dealer contacting me in the future and to the sharing of information with associated businesses so that they may provide me with timely information about their services.

PRE-AUTHORIZED PAYMENT AUTHORIZATION – TERMS AND CONDITIONS

By clicking “I Agree” I am authorizing “the dealer” chosen by Premium Windsor Motorscom and or any of it’s subsidiaries to withdraw a required deposit directly out of my account indicated below.

I acknowledge that this Authorization is provided for the benefit of the Payee and Bank of Montreal and is provided in consideration of said BMO Bank agreeing to process debits against my account in accordance with the Rules of the Canadian Payments Association.

I warrant and guarantee that all persons whose signatures are required to sign on this account have signed this agreement below.

This authorization may be cancelled at any time upon notice by the Payor.  I acknowledge that, in order to revoke this authorization.  I must provide notice of revocation to Premium Windsor Motorscom.

I acknowledge that provision and delivery of this authorization to Premium Windsor Motorscom constitutes delivery by the Payor to Bank of Montreal.  Any delivery of this authorization to you constitutes delivery by the Payor.

The Payor and Payee agree to waive the pre-notification requirement set out in Section 11 of Appendix II of rule H1 of the Canadian Payments Association.

I undertake to inform Premium Windsor Motorscom, in writing, of any change in the account information provided in this authorization prior to the next due date of the PAD.*

The account that Premium Windsor Motorscom is authorized to draw upon is indicated in the accompanying authorization.  A specimen cheque for this account has been marked “VOID” and attached hereto.

I acknowledge that Bank of Montreal is not required to verify that a PAD has been issued in accordance with the particulars of the Payor’s Authorization including, but not limited to, the amount.

I acknowledge that Bank of Montreal is not required to verify that any purpose of payment for which the PAD was issued has been fulfilled by Premium Windsor Motorscom as a condition to honoring a PAD issued or caused to be issued by carcrcrazyloans.com on the Payor’s account.

Revocation of this authorization does not terminate any contract for goods or services that exists between the Payor and Premium Windsor Motorscom.  The Payor’s Authorization applies only to the method of payment and does not otherwise have any bearing on the contract for goods or services exchanged.

The Payor, in order to be reimbursed, acknowledges that a declaration to the effect that either (1), (2) or (3) took place, must be completed to the branch of the Processing Institution holding the Payor’s account up to and including 90 calendar days in the case of a personal/household PAD (or up to and including 10 business days in case of a business PAD), after the date on which the PAD in dispute was posted to the Payor’s account.

The Payor acknowledges that a claim on the basis that the Payor’s Authorization was revoke, or any other reason, is a matter to be resolved solely between the Payee and the Payor when disputing and PAD after (90 calendar days in the case of a personal/household PAD or 10 business days in the case of business PAD).

In the event of default in any way by the Payor, the Payor agrees to pay an “NSF” (non sufficient funds) fee of $50.00 plus an interest rate of 18.9% annually for all overdue, overdrawn or default amounts.

*DEFINITIONS:

Business PAD:  Means a PAD (Pre-Authorized debit in paper, electronic or other form) drawn on the account of a Payor such as, but not limited to, a corporation an organization, a trade, an association, a government entity, a profession, a venture or an enterprise, for the payment of goods and service related to commercial activities of the Payor.