Consumer Authorization — CARTRIGO Advanced LLC

SECTION 1

Authorization Text

This is the formal authorization text. By submitting your information through a CARTRIGO form, by confirming via WhatsApp, or by signing this document, you agree to the following:

SECTION 2

Scope — What This Authorization Does and Does Not Cover

THIS AUTHORIZATION COVERS

Collecting your name, contact information, and vehicle interest to organize your inquiry file.

Using your information to generate an OTD estimate and preliminary financing scenario.

Sharing your information with your assigned CARTRIGO broker.

Sharing your information with a participating dealer when you decide to move forward.

Facilitating a soft pull credit inquiry — but ONLY if you provide a separate, specific written consent for that step.

THIS AUTHORIZATION DOES NOT COVER

Approving your credit or guaranteeing financing — CARTRIGO cannot do this.

Selling your information to third parties for marketing or advertising.

Sharing your information with dealers or lenders without your knowledge.

Initiating a hard credit inquiry — this always requires a separate explicit authorization.

Using your information for any purpose outside your current vehicle inquiry.

Keeping your information indefinitely — it is deleted per our retention policy.

SECTION 3

Information We May Collect

Category	Examples	Why We Collect It
Identification	Full name, date of birth (when required)	To identify your inquiry and avoid duplicate records.
Contact information	Phone, email, mailing address	So your broker can reach you during the advisory process.
Employment & income	Employer name, approximate income, employment status	Voluntarily provided to model a realistic financing scenario. We never verify this independently.
Vehicle preference	Make/model of interest, budget, down payment, trade-in	To calculate your OTD estimate and model your purchase scenario.
Self-reported credit profile	Credit tier you declare (Excellent / Good / Fair / Building)	To model an approximate APR range. This is NOT a credit bureau inquiry — it is information you provide about yourself.
Transaction context	Financing method, purchase timeline, Florida county	To calculate applicable taxes and fees for your OTD estimate.

Important distinction: The "self-reported credit profile" you provide is not a credit bureau report. It is information you declare about yourself. CARTRIGO does not request, access, or transmit a bureau report without a separate soft pull authorization and your explicit consent.

SECTION 4

How Long We Keep Your Information

Situation	Retention Period
Active inquiry	Duration of the active process + 24 months after closing.
Inquiry you decide not to continue	12 months from your last contact, then deleted.
Consent records	Minimum 5 years (required by federal law for audit purposes).
Upon your deletion request	Within 30 days of receiving your verified request.

SECTION 5

Your Rights — You Are Always in Control

👁️

Right to Access

Request a copy of the personal information we hold about you at any time.

✏️

Right to Correct

Request correction of any inaccurate or incomplete information in your file.

🗑️

Right to Delete

Request deletion of your personal information, subject to legal retention requirements.

🔄

Right to Withdraw Consent

Withdraw this authorization at any time. This stops future use but does not affect what was already done.

🚫

Right to Opt Out

Opt out of sharing your information with non-affiliated third parties for marketing purposes.

📋

Right to Restrict

Request that we limit how we use your information in certain situations.

How to exercise your rights: Contact us at compliance@cartrigoadvanced.com. We will respond within 30 days. We may need to verify your identity before processing your request.

SECTION 6

Consumer Declarations

By authorizing CARTRIGO to use your information, you confirm the following:

01

The information I provide is true to the best of my knowledge. I understand that inaccurate information will produce inaccurate estimates.

02

I understand that CARTRIGO is a preparation and advisory platform. The final financing decision is made by the dealer and/or lender — not by CARTRIGO.

03

I understand that any OTD estimate, monthly payment projection, or preliminary eligibility scenario I receive is for informational purposes only and is subject to validation by the dealer and/or lender.

04

I understand that sharing my information with CARTRIGO does not create any obligation on the part of CARTRIGO, any dealer, or any lender to approve, offer, or close a financing transaction.

05

I can request clarification about the use of my information at any time through CARTRIGO's designated contact channels, and I can withdraw this authorization at any time.

SECTION 7

Special Notice — Soft Pull Credit Inquiry (Future Feature)

This section applies only if you separately authorize a soft pull inquiry. A general advisory consent does NOT authorize a credit inquiry of any kind.

In a future phase of CARTRIGO's services, you may be offered the option to obtain a preliminary credit inquiry (a "soft pull") through an authorized partner. If and when that option is available:

Separate specific consent required: You will be asked to sign or electronically accept a separate, specific authorization that clearly states the name of the credit inquiry provider, that a soft inquiry will appear on your credit file, the purpose of the inquiry, and that the result is not a credit decision.
No impact on your credit score: A soft pull does not affect your credit score. It is different from a hard inquiry.
Result is preliminary only: Any credit tier range or estimated APR range produced by a soft pull is a preliminary estimate — not a credit approval or financing offer.
You can decline: Declining a soft pull does not affect your ability to use CARTRIGO's other advisory services.

SECTION 8

How You Can Provide This Authorization

Method	How It Works
Website form	Check the consent box on any CARTRIGO intake form. Your IP address, date, and time are recorded automatically as evidence of your consent.
WhatsApp confirmation	Your broker sends you a specific message describing what you are authorizing. Reply "I accept" or equivalent. Your written confirmation is saved.
Signed paper form	Sign the CARTRIGO Consumer Authorization form in person. A copy is retained in your file.
Recorded phone call	Your broker reads the authorization text and you confirm verbally. The call is recorded and retained for 5 years minimum.

SECTION 9

Signature / Acceptance Block

For in-person or paper-based authorization. Digital acceptance via web form or WhatsApp is also valid — see Section 8.

CONSUMER ACCEPTANCE

Full name: ____________________________________________

Signature or electronic acceptance: ________________________

Date: ________________________________________________

Method of acceptance: Website form / WhatsApp / Paper form / Phone call

Language presented in: English / Spanish

Technical evidence (if digital): IP / Timestamp / Session ID — recorded automatically by the CARTRIGO system

E-SIGN ACT NOTICE

Your electronic acceptance of this Authorization — whether through a web form checkbox, a WhatsApp confirmation message, or equivalent digital action — constitutes a legally binding electronic signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN) and Florida's Electronic Signature Act. You have the right to receive a paper copy of this document upon request.