These Terms of Service ("Terms" or "Agreement") govern access to the DCF Auto Brokerage LLC website, online forms, credit-information intake, communications, checkout and payment pages, and all automotive consulting, advisory, administrative, negotiation-support, and concierge services provided by DCF Auto Brokerage LLC ("DCF," "Company," "we," "us," or "our") to the customer or website user ("Client," "you," or "your").
By checking an agreement box, clicking an acceptance or payment button, submitting a DCF form after being presented with these Terms, completing checkout, electronically signing, purchasing or authorizing a DCF service, or continuing to receive DCF services after affirmative acceptance, Client agrees to these Terms.
PLEASE READ THESE TERMS CAREFULLY. They contain important provisions concerning DCF's role as a customer-paid automotive consultant, service fees and refunds, no guarantees of pricing or approval, credit-application information and third-party credit inquiries, third-party vehicle transactions, electronic communications, disclaimers, and limitations of liability.
1.1. DCF provides customer-paid automotive consulting, advisory, research, pricing analysis, negotiation guidance and support, administrative assistance, paperwork coordination, transaction navigation, and concierge services to help Client understand and navigate the vehicle-shopping, purchasing, or leasing process. DCF is hired by the Client to assist the Client; DCF is not the vehicle seller or purchaser.
1.2. DCF may assist Client with identifying vehicles that fit Client's criteria, researching market pricing and availability, reviewing dealership or seller quotes, comparing proposed transaction terms, identifying fees and optional add-ons, developing negotiation strategy, communicating Client-approved requests or positions, trade-in research and guidance, paperwork organization and coordination, transaction guidance, scheduling, and delivery or pickup coordination when applicable.
1.3. DCF does not buy vehicles for Client, purchase vehicles for resale, sell vehicles to Client, lease vehicles to Client, maintain vehicle inventory for sale to Client, own vehicles on Client's behalf, take title to Client's vehicle, transfer vehicle ownership to Client, provide vehicle financing, approve or deny credit, issue retail installment contracts or leases, issue vehicle warranties, or act as the dealership or seller in Client's underlying vehicle transaction.
1.4. DCF is retained solely as an independent customer-side automotive consultant and concierge service provider. DCF is not retained to act as a motor vehicle dealer, vehicle seller, vehicle purchaser, lessor, lender, creditor, insurer, manufacturer, transportation carrier, or other principal to the underlying vehicle transaction. Nothing in these Terms authorizes DCF to take ownership of, buy, resell, or lease a vehicle to Client.
1.5. Any final purchase, lease, financing, warranty, insurance, registration, title, transportation, delivery, or related agreement is entered into directly between Client and the applicable dealership, seller, lender, leasing company, transportation provider, or other third party.
2.1. Client understands and agrees that Client is hiring and compensating DCF for automotive consulting, advisory, research, pricing analysis, negotiation support, administrative assistance, and concierge services performed for Client.
2.2. DCF's service fee is not a vehicle deposit, down payment, capitalized-cost reduction, dealer fee, financing charge, lender fee, transportation charge, tax, title fee, registration fee, or payment toward the purchase or lease of a vehicle.
2.3. DCF does not acquire an ownership or beneficial interest in Client's vehicle merely because DCF assists Client with research, pricing, communications, negotiation support, paperwork, or delivery coordination.
2.4. DCF is compensated by Client for the consulting, advisory, administrative, negotiation-support, and concierge services described in this Agreement. DCF does not receive commissions, referral fees, transaction-based compensation, or other compensation from a dealership, lender, leasing company, manufacturer, vehicle seller, or other transaction party in connection with Client's vehicle purchase or lease.
2.5. The parties intend that DCF's role remain limited to lawful customer-paid consulting, advisory, administrative, and concierge activities. If a requested service would require a license, registration, authorization, or legal authority DCF does not possess, DCF may decline, modify, or discontinue that service.
3.1. Client agrees to purchase the applicable DCF service before DCF is required to begin paid work.
3.2. Standard Automotive Consulting & Deal Review Service - Generally $1,000
3.2.1. This service is generally intended for Clients seeking vehicle research, pricing guidance, quote comparison, negotiation support, transaction guidance, paperwork assistance, and related automotive consulting or concierge support.
3.2.2. This service may include market and pricing research, quote review, deal-structure review, dealer-fee and add-on review, negotiation strategy, communication of Client-approved requests, trade-in guidance when applicable, paperwork coordination, delivery or pickup coordination when applicable, and general consulting support related to Client's proposed vehicle transaction.
3.3. VIP Automotive Consulting & Concierge Service - Generally $5,000
3.3.1. This service is generally intended for Clients requiring a substantially higher level of research, complexity, time, availability work, coordination, travel or transportation logistics, specialty-market knowledge, or concierge involvement.
3.3.2. This service may include extensive vehicle research, broader regional or nationwide market review, specialty-vehicle research, extensive dealership or seller communications, pricing and quote review, negotiation strategy and support, trade-in guidance, purchase or lease process guidance, paperwork coordination, test-drive coordination when available, transportation or shipping coordination, home-delivery coordination, scheduling assistance, and enhanced end-to-end automotive concierge support.
3.4. Custom and Variable Pricing
3.4.1. The $1,000 and $5,000 prices stated above are standard or typical service prices and may not apply to every engagement. DCF may quote a higher or lower service fee based on the circumstances of a particular Client request.
3.4.2. Pricing may vary based on any reasonable factor related to the scope, time, complexity, resources, or value of DCF's services, including vehicle type or price, rarity or availability, geographic search area, delivery or transportation distance, urgency, number of vehicles or third parties involved, amount of research or dealership outreach, time spent or anticipated, complexity of negotiation or paperwork, level of concierge support, special requests, transaction complexity, actual or anticipated value or savings created for Client, and other relevant circumstances.
3.4.3. DCF may offer customized, negotiated, discounted, promotional, bundled, or other service pricing. The amount stated on Client's invoice, payment link, checkout page, written quote, service proposal, or other written or electronic pricing confirmation controls for that engagement.
3.4.4. Any later optional or expanded paid service will be separately communicated to Client before Client becomes obligated to pay an additional DCF service fee.
4.1. Services are considered to have begun once DCF materially performs Client-specific work, including consultation concerning Client's specific request, vehicle or market research, vehicle identification, quote review, dealership or seller communication, negotiation strategy or support, trade-in review, paperwork coordination, delivery or pickup coordination, transportation coordination, or other substantive administrative or consulting work related to Client's vehicle process.
4.2. Once services have materially begun, the applicable DCF service fee is earned and non-refundable to the maximum extent permitted by applicable law, regardless of whether Client ultimately completes a vehicle purchase or lease.
5.1. Client must pay the agreed service fee before DCF is required to begin paid services unless DCF agrees otherwise in writing.
5.2. Payment may be made by credit card, debit card, ACH, wire, payment link, invoice, online checkout, or another method approved by DCF.
5.3. Client understands that DCF's fee compensates DCF for time, expertise, research, pricing analysis, advisory services, negotiation support, communications, administrative work, coordination, and concierge support, and is not contingent on whether Client ultimately purchases or leases a vehicle.
5.4. DCF's service fee is separate from the vehicle price and from taxes, title, registration, dealer fees, lender charges, warranties, insurance, shipping, transportation, delivery, and other dealership or third-party charges unless expressly stated otherwise in writing.
6.1. Client agrees that checking an agreement box, clicking a payment button, submitting payment information, completing checkout, electronically signing, or purchasing or authorizing any DCF service constitutes acceptance of this Agreement.
6.2. Client acknowledges that this Agreement was made available before payment through a link, checkout page, invoice, payment page, website page, or other electronic method.
6.3. Client acknowledges that Client had the opportunity to read, review, download, save, and ask questions about this Agreement before completing payment.
6.4. By completing payment or otherwise electronically accepting, Client confirms that Client has read, understood, and agreed to all terms and conditions of this Agreement.
7.1. Client understands and agrees that DCF's service fee compensates DCF for professional services and becomes earned and non-refundable once DCF materially begins performing the agreed Client-specific services, to the maximum extent permitted by applicable law.
7.2. Client further understands that DCF does not guarantee that Client will purchase or lease a vehicle, receive financing approval, receive a specific price, receive a specific incentive, achieve a particular amount of savings, or secure a specific vehicle.
7.3. Nothing in this Agreement waives any consumer right or remedy that applicable law does not permit Client to waive.
8.1. Client agrees to contact DCF in writing regarding any billing or service concern and provide DCF a reasonable opportunity to review the issue before initiating a payment dispute or chargeback.
8.2. If Client initiates a chargeback or payment dispute after services have begun, Client acknowledges that this Agreement, payment records, communications, research, pricing analysis, dealership or seller communications, negotiation-support records, quote reviews, administrative records, or other service documentation may be used as evidence that services were requested, authorized, and performed.
8.3. Client agrees that any valid unpaid, reversed, disputed, or charged-back service fee may be pursued through lawful collection methods, legal action, or any other remedy available under law.
8.4. Client shall be responsible for reasonable costs incurred by DCF in collecting valid unpaid amounts, including collection costs, filing fees, and reasonable attorney's fees where permitted by law.
9.1. Client agrees to provide accurate and complete information reasonably requested by DCF, including desired vehicle details, budget, timeline, location, financing preferences when relevant, trade-in information when relevant, contact information, and material facts that may affect DCF's consulting services or the third-party transaction.
9.2. Client is responsible for reviewing all final documents, vehicle specifications, pricing, terms, taxes, fees, warranties, financing terms, lease terms, registration documents, title documents, purchase agreements, and delivery information before signing or approving them.
9.3. Client is solely responsible for deciding whether to proceed with any vehicle purchase or lease and for approving all final transaction terms.
9.4. Client understands that DCF may provide advice and assistance, but Client remains the purchaser or lessee and retains final decision-making authority at all times.
10.1. Client understands that vehicle availability, pricing, incentives, financing, lease approvals, trade-in values, delivery timing, transportation timing, shipping costs, taxes, fees, warranty coverage, registration, title processing, and dealership policies are controlled by third parties and not by DCF.
10.2. DCF is not responsible for the acts, omissions, errors, delays, representations, pricing decisions, approval decisions, transportation delays, shipping delays, delivery issues, vehicle condition, or policies of any dealership, seller, lender, leasing company, manufacturer, transportation provider, inspection provider, warranty provider, insurer, government agency, or other independent third party.
10.3. Nothing in this Agreement eliminates any right or claim Client may have directly against the applicable third party.
11.1. DCF provides automotive consulting, advisory, negotiation-support, administrative, and concierge services only. DCF does not promise or guarantee credit approval, financing approval, lease approval, lender approval, dealership approval, vehicle availability, lowest price, any specific vehicle price, discount, rebate, incentive, trade-in value, interest rate, APR, money factor, residual value, required down payment, monthly payment, final out-of-pocket cost, dealer participation, delivery timing, shipping timing, vehicle condition, completion of a transaction, or any specific amount of savings or other financial or transaction result unless a separate written guarantee expressly states otherwise.
11.2. DCF does not control the decisions, pricing, inventory, approvals, underwriting, policies, programs, or actions of dealerships, lenders, leasing companies, manufacturers, sellers, transportation providers, credit reporting companies, or other independent third parties.
11.3. Any estimate, quote, payment calculation, pricing discussion, savings estimate, financing information, lease information, or other information provided by DCF is for consulting and informational purposes only and is subject to verification, change, eligibility requirements, market conditions, and final confirmation or approval by the applicable third party.
11.4. All final terms remain subject to third-party approval, Client qualifications, creditworthiness where applicable, market conditions, vehicle availability, dealership policies, lender decisions, seller decisions, transportation-provider availability, and Client's final review and approval.
12.1. DCF may provide a secure form identified as the "DCF Credit Application" or similar intake form for Client to voluntarily provide personal, identity, employment, income, residence, and financial information that may be requested in connection with Client's desired vehicle financing or lease transaction. The DCF Credit Application is an information-intake and transmission tool used as part of DCF's consulting and administrative services. It is not an application for credit with DCF, is not a credit decision by DCF, and is not an offer or extension of credit by DCF.
12.2. DCF DOES NOT RUN CLIENT CREDIT. DCF is not a lender, creditor making the financing decision, consumer reporting agency, credit bureau, or credit-repair company. DCF does not itself obtain, pull, request, access, score, underwrite, approve, deny, or make a credit decision based on a consumer credit report or credit score, and DCF does not determine Client's creditworthiness, interest rate, financing terms, lease approval, or lending eligibility.
12.3. By voluntarily completing or submitting the DCF Credit Application, or otherwise providing credit-related information to DCF and asking DCF to assist with financing or leasing, Client expressly authorizes DCF to collect, receive, organize, securely store as reasonably necessary, and transmit Client-provided information and documents for the limited purpose of facilitating Client's requested vehicle transaction and related financing or lease process.
12.4. Client authorizes DCF, solely as part of its administrative and consulting role, to facilitate and transmit Client-provided credit-application information and supporting documents only to a dealership, lender, leasing company, finance source, or other transaction participant that Client has selected, requested, or specifically approved in connection with Client's requested transaction. This authorization does not permit DCF to broadly distribute Client's credit information or independently select recipients for credit-shopping purposes. DCF may use service providers reasonably necessary to securely process or transmit that information, subject to applicable law and DCF's Privacy Policy.
12.5. Client understands that information transmitted for financing or leasing may include sensitive personal information such as Client's name, date of birth, address, Social Security number, driver's license information, employment information, income information, housing information, and other information Client voluntarily provides or authorizes DCF to transmit.
12.6. Submitting the DCF Credit Application does not authorize DCF itself to obtain or pull a consumer report. DCF does not perform or control a third party's consumer-report inquiry. Any dealership, lender, leasing company, or other third party that obtains or uses a consumer report does so independently and is responsible for having a lawful permissible purpose, providing any disclosures or notices required of it, obtaining any consent or authorization required of it, and complying with applicable credit-reporting, lending, privacy, and consumer-protection laws.
12.7. Client understands and agrees that an authorized dealership, lender, leasing company, or other third party may independently obtain one or more consumer reports or credit scores in connection with Client's requested financing or lease transaction. Such an inquiry may be a hard inquiry, may appear on Client's credit file, and may affect Client's credit score. DCF does not determine whether a third-party inquiry is hard or soft, how a consumer reporting company records an inquiry, how any credit-scoring model treats an inquiry, or whether multiple third-party inquiries are grouped or scored in a particular way.
12.8. Completion or submission of the DCF Credit Application does not guarantee acceptance of an application, credit approval, financing approval, lease approval, lender approval, dealership approval, a particular loan amount, interest rate, APR, money factor, residual value, down payment, monthly payment, term, incentive, rebate, or any other financing or transaction result.
12.9. To the maximum extent permitted by applicable law, DCF is not responsible for any approval, denial, counteroffer, adverse credit decision, interest rate, financing term, lease term, credit-score change, credit-report inquiry, number or type of inquiries, credit-reporting treatment, underwriting decision, lender or dealership action, fraud alert, security freeze, identity-verification requirement, or other credit consequence resulting from the independent conduct of a dealership, lender, leasing company, consumer reporting company, or other third party, except to the extent directly caused by DCF's own unauthorized or unlawful conduct or other liability that cannot lawfully be waived or limited.
12.10. Client represents that all information and documents submitted to DCF are accurate, complete, current, and provided by or with the authorization of the person to whom the information relates. Client is responsible for promptly correcting inaccurate information before it is transmitted or relied upon by a third party.
12.11. DCF does not promise that information submitted through the DCF Credit Application will satisfy a particular dealership's, lender's, or leasing company's application requirements. A dealership, lender, or leasing company may require Client to complete, review, sign, or separately authorize its own credit application, privacy notice, consumer-report authorization, identity-verification process, or other financing documents before it will obtain a consumer report or make a credit decision.
12.12. Any approval, denial, counteroffer, adverse-action notice, risk-based pricing notice, credit-score disclosure, financing disclosure, or other notice or decision required from a creditor, lender, dealership, report user, or other third party is the responsibility of that third party to the extent required by law. DCF does not issue or control those decisions or notices because DCF does not make the underlying credit decision.
12.13. Client may instruct DCF in writing not to transmit Client's credit-related information to a particular third party before DCF has transmitted it. Once information has been transmitted pursuant to Client's authorization, the recipient's subsequent use, retention, disclosure, consumer-report inquiry, underwriting activity, credit decision, or data practices are governed by that recipient's obligations and applicable law and are outside DCF's control. DCF's handling of Client information is also subject to the DCF Privacy Policy.
13.1. DCF does not provide legal, tax, insurance, accounting, investment, or licensed financial advice.
13.2. DCF may explain general automotive purchasing, leasing, or financing concepts as part of its consulting services, but Client should consult appropriately qualified professionals regarding legal, tax, insurance, financing, accounting, or other regulated matters.
14.1. Unless separately agreed in writing, DCF does not physically inspect, certify, manufacture, warrant, or guarantee the condition, safety, history, mileage, title status, accident history, mechanical condition, cosmetic condition, authenticity, rarity, collectability, future value, or market value of any vehicle.
14.2. Client is responsible for reviewing vehicle-history reports, inspection reports, dealer disclosures, seller disclosures, warranty information, title information, mileage information, and other relevant information before purchase or lease.
14.3. Client may obtain an independent inspection at Client's own expense where appropriate.
15.1. Client understands that any final vehicle purchase, lease, financing, warranty, insurance, title, registration, transportation, shipping, or delivery agreement is solely between Client and the applicable dealership, seller, lender, leasing company, insurer, transportation provider, government agency, or other third party.
15.2. DCF is not the seller, purchaser, lessor, dealership, lender, or owner in the underlying vehicle transaction and does not become a party to the vehicle purchase or lease contract merely because DCF provides consulting, research, negotiation support, paperwork assistance, communications, or delivery coordination.
15.3. DCF does not accept, receive, hold, escrow, or process vehicle purchase funds, vehicle deposits, down payments, lease payments, taxes, title fees, registration fees, dealership fees, lender charges, or other amounts payable toward the underlying vehicle purchase or lease transaction. Such amounts must be paid directly by Client to the applicable dealership, seller, lender, leasing company, government agency, transportation provider, or other appropriate third party.
16.1. Research, pricing analysis, quote comparisons, communications, negotiation support, vehicle-identification work, and other Client-specific work performed by DCF are part of DCF's paid consulting services.
16.2. If Client independently completes a transaction after DCF has materially performed the agreed services, that decision does not make an otherwise earned DCF service fee refundable.
16.3. Client remains free to purchase or lease directly from the applicable dealership or seller and is not required to complete any vehicle transaction through DCF.
16.4. Nothing in this section gives DCF ownership of a vehicle, creates a resale transaction, or authorizes DCF to bind Client to a vehicle purchase or lease.
17.1. To the maximum extent permitted by law, DCF shall not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including lost savings, lost profits, loss of use, transportation costs, shipping costs, financing issues, delivery delays, registration delays, or dissatisfaction with a vehicle or independent third-party transaction.
17.2. To the maximum extent permitted by law, DCF's aggregate liability for any claim arising out of or related to a particular DCF service shall not exceed the amount actually paid by Client to DCF for that service.
17.3. Nothing in this Agreement excludes or limits liability that applicable law does not permit DCF to exclude or limit.
18.1. To the maximum extent permitted by applicable law, Client agrees to indemnify and hold harmless DCF Auto Brokerage LLC, its owners, members, managers, employees, contractors, and representatives from third-party claims, losses, liabilities, costs, or expenses arising from materially inaccurate information supplied by Client, Client's unauthorized or unlawful conduct, Client's breach of this Agreement, or Client's independent agreements or dealings with third parties, except to the extent caused by DCF's conduct for which liability cannot lawfully be waived or limited.
19.1. DCF operates as an independent company providing customer-paid automotive consulting, advisory, administrative, and concierge services.
19.2. Nothing in this Agreement creates a partnership, joint venture, employment relationship, dealership relationship, seller relationship, purchaser relationship, lender relationship, manufacturer relationship, transportation-carrier relationship, or fiduciary relationship between DCF and Client or between DCF and any third party.
19.3. The parties intend DCF to act only within the scope of the lawful consulting and concierge services described in this Agreement.
20.1. DCF has no authority to sign or execute Client's vehicle purchase agreement, lease agreement, financing agreement, title document, registration document, or other binding vehicle-transaction document; approve final transaction terms; submit a binding offer; authorize payment; or make a final purchase, lease, financing, or other vehicle-transaction decision on Client's behalf. Client must personally review and approve all final transaction terms and execute all binding transaction documents.
20.2. DCF may communicate nonbinding Client-approved requests, negotiation positions, or proposed terms as part of its consulting services. Client remains solely responsible for approving and signing all final transaction documents.
21.1. This Agreement, together with Client's applicable invoice, payment page, checkout page, written quote, service proposal, or written pricing confirmation, constitutes the agreement between Client and DCF regarding the DCF services purchased by Client.
21.2. No advertisement or general marketing statement modifies the specific terms of Client's engagement unless expressly incorporated into Client's written service terms.
21.3. Any material modification to this Agreement must be in writing or electronically accepted by the parties as applicable.
22.1. If any provision of this Agreement is found to be invalid, illegal, or unenforceable, that provision shall be limited or severed only to the extent necessary, and the remaining provisions shall remain in full force and effect.
22.2. Nothing in this Agreement is intended to waive any right, remedy, disclosure, duty, or protection that applicable law does not permit to be waived.
23.1. This Agreement shall be governed by and interpreted in accordance with the laws of the State of New Jersey, without regard to conflict-of-law principles.
24.1. Client agrees that electronic acceptance, checkbox acceptance, payment-based acceptance, typed names, digital records, payment records, invoices, checkout logs, website records, email confirmations, text confirmations, and other electronic records may be used as evidence of Client's acceptance of this Agreement and authorization of DCF's services.
24.2. Client agrees that a physical signature is not required for this Agreement to be valid, binding, or enforceable to the extent permitted by applicable law.
25.1. DCF's website, online forms, calculators, quotes, advertisements, examples, educational content, and other online materials are provided for general informational and service-related purposes. DCF attempts to maintain accurate information but does not warrant that all website content is complete, current, error-free, or applicable to every Client or transaction.
25.2. Vehicle images, examples, pricing illustrations, estimated payments, savings examples, and similar materials may be representative. Inventory, pricing, incentives, interest rates, manufacturer programs, taxes, fees, and third-party terms may change without notice and must be confirmed in final third-party transaction documents.
25.3. Client may not misuse DCF's website or forms, submit information belonging to another person without authority, attempt unauthorized access, introduce malicious code, scrape or harvest data, impersonate another person, or use DCF systems for unlawful or fraudulent activity.
26.1. DCF's collection, use, disclosure, retention, and protection of personal information are governed by the DCF Privacy Policy, available at https://dcfautobrokerage.com/privacy, as updated from time to time in accordance with applicable law.
26.2. The privacy, credit-reporting, underwriting, and data-retention practices of independent dealerships, lenders, leasing companies, payment processors, transporters, technology providers, and other third parties are governed by their own policies and legal obligations. DCF does not control those independent third-party practices.
26.3. Client should submit Social Security numbers, driver's-license information, income documentation, and similarly sensitive information only through DCF-designated secure forms or another secure method approved by DCF, and should not send such information through ordinary text message, social-media message, or unsecured email unless specifically instructed through a secure process.
27.1. Providing a telephone number does not by itself authorize every category of marketing communication. Any consent legally required for automated, prerecorded, artificial-voice, or promotional calls or text messages must be separately and clearly obtained. Consent to promotional communications is not a condition of purchasing DCF services.
27.2. When Client provides legally sufficient consent, DCF Auto Brokerage LLC may send messages concerning vehicle inquiries, requested vehicles, appointments, documents, financing or lease status, transaction updates, delivery coordination, customer service, and promotional offers when separately authorized. Message frequency varies. Message and data rates may apply.
27.3. Client may opt out of SMS messages by replying STOP. Other recognized opt-out requests communicated through a reasonable method will be honored as required by applicable law. For assistance, reply HELP or contact DCF at 908-913-8710. Wireless carriers are not liable for delayed or undelivered messages, and message delivery is not guaranteed.
27.4. Opting out of promotional SMS does not prevent DCF from communicating through another lawful channel about an active service request, transaction, billing matter, security issue, legal requirement, or customer-service request where permitted by law.
28.1. By checking an agreement box, clicking an acceptance or payment button, submitting payment information, completing checkout, electronically signing, purchasing or authorizing any DCF service, or submitting a DCF form after being presented with these Terms, Client acknowledges that Client has read, understood, and agreed to these Terms.
28.2. Client specifically acknowledges that DCF provides customer-paid automotive consulting, advisory, administrative, negotiation-support, and concierge services; DCF does not buy, sell, lease, own, take title to, or resell Client's vehicle; Client purchases or leases directly from the applicable dealership or third party; and Client retains final authority over the vehicle and all transaction terms.
28.3. Client further acknowledges that DCF's service fee is payment for DCF's consulting and concierge services, is separate from the vehicle transaction, may vary from standard pricing as stated in these Terms and the applicable payment materials, and becomes earned and non-refundable once DCF materially begins performing the agreed services, to the maximum extent permitted by applicable law.
28.4. If Client completes or submits the DCF Credit Application or otherwise asks DCF to assist with financing or leasing, Client specifically acknowledges and agrees that DCF DOES NOT RUN CLIENT'S CREDIT, does not make or guarantee any credit or financing decision, is not the lender, and does not control third-party credit inquiries. Client authorizes DCF to collect and transmit Client-provided information for Client's requested transaction as described in Section 12 and understands that an authorized dealership, lender, leasing company, or other third party may independently obtain a consumer report or credit score, which may create a hard inquiry and may affect Client's credit.