PART 1: PRIVACY POLICY

1. INTRODUCTION
Area 51 Auto Finance LLC ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our dealership lot on US Hwy 231 in Cleveland, Alabama, use our website, or apply for vehicle financing.
2. INFORMATION WE COLLECT
We may collect personal and financial information depending on how you interact with our dealership:

Contact & Identification Information: Full legal name, mailing address, email address, phone number, and government-issued identification (such as a driver's license).
Financial & Credit Information: Social Security number, income details, employment history, banking information, and credit history when you submit an application for vehicle financing or auto loans.
Vehicle & Transaction Information: Details regarding automobile purchases, trade-ins, and payment history.
Digital & Website Information: IP address, browser type, device information, and browsing behavior if you visit our online platforms.
3. HOW WE USE YOUR INFORMATION
We use the information we collect for legitimate business and operational purposes, including: Processing credit applications, verifying identity, and facilitating vehicle financing and sales transactions. Communicating with you regarding your account, vehicle availability, or purchase paperwork. Complying with federal, state, and local legal obligations, including anti-money laundering regulations, tax requirements, and motor vehicle titling laws. Improving our lot operations, customer service, and website functionality. Sending promotional communications, updates, or special offers (you may opt out of marketing communications at any time).

4. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information. We may share your information only under the following circumstances:

Financial Partners & Lenders: With banks, credit unions, and third-party lenders to process your auto financing and lease applications.
Service Providers: With trusted vendors who assist us in operating our business (e.g., credit reporting agencies, IT service providers, title and registration processors, and legal or accounting professionals).
Legal Compliance & Protection: When required by law, subpoena, court order, or government regulation, or to protect the rights, property, and safety of Area 51 Auto Finance LLC, our customers, or others.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, customer information may be transferred as part of the transaction.
5. DATA SECURITY
We implement commercially reasonable physical, technical, and administrative security measures designed to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. However, no electronic transmission or storage system is 100% secure, and we cannot guarantee absolute security.
6. YOUR CHOICES & PRIVACY RIGHTS
Depending on your state of residence, you may have certain rights regarding your personal information:
Access & Correction: You may request to review or correct inaccuracies in your personal records held by our dealership.
Marketing Opt-Out: You can opt out of receiving promotional emails or marketing messages by following the unsubscribe instructions contained in those communications.
7. CHANGES TO THIS PRIVACY POLICY
We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on our premises or digital platforms with an updated effective date. We encourage you to review this policy periodically.
PART 2: TERMS AND CONDITIONS
1. ACCEPTANCE OF TERMS
By accessing our website, visiting our dealership lot located on US Hwy 231 in Cleveland, Alabama, or engaging in any vehicle inquiries or in-house financing agreements with Area 51 Auto Finance LLC ("we," "our," or "us"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services or visit our facility.
2. DEALERSHIP SERVICES & INVENTORY
Vehicle Sales & In-House Financing: We specialize exclusively in automobile sales backed by our direct, inhouse financing programs. All vehicle sales and financing structures are subject to separate, signed contractual agreements and internal approval.

Exclusive In-House Financing Model: We do not accept or utilize outside bank financing, external credit unions, or third-party auto loans. All financing is managed directly in-house by Area 51 Auto Finance LLC. Accuracy of Information: While we make reasonable efforts to ensure that vehicle pricing, descriptions, specifications, and availability on our lot and digital platforms are accurate, errors may occasionally occur. We reserve the right to correct any inaccuracies, typos, or pricing errors without prior notice. No Custom Wrap or Bike Services: Area 51 Auto Finance LLC does not offer custom vinyl wraps, vehicle design services, or motorcycle/bike sales and services.
3. IN-HOUSE FINANCING & CREDIT REVIEW
Internal Credit Assessment: By submitting a financing application to our dealership, you authorize Area 51 Auto Finance LLC to review your employment, income, and financial background to determine eligibility under our internal financing guidelines. Financing Terms: All in-house financing terms, down payments, payment schedules, and interest rates are
determined directly by Area 51 Auto Finance LLC and require final contract execution on-site.
4. USER CONDUCT & WEBSITE USE
When interacting with our website or physical premises, you agree not to: Violate any applicable local, state, federal, or international laws or regulations. Provide false, fraudulent, or misleading information when filling out financing applications, contact forms, or purchase paperwork. Interfere with, disrupt, or attempt unauthorized access to our digital networks, servers, or website security systems.
5. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Area 51 Auto Finance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website, lot services, or vehicle purchases. Our total liability for any direct claims shall not exceed the amount paid by you, if any, to Area 51 Auto Finance LLC for the specific transaction giving rise to the claim.
6. GOVERNING LAW
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law principles. Any legal action or proceeding arising out of these terms shall be brought exclusively in the courts located within Blount County, Alabama.
PART 3: IN-HOUSE FINANCING & TILA DISCLOSURE NOTICE
IMPORTANT NOTICE TO BUYER: Area 51 Auto Finance LLC acts as the direct creditor for all vehicle financing agreements. We do not utilize external banks, credit unions, or third-party auto loans. All credit terms are administered internally.

1. TRUTH IN LENDING ACT (TILA) DISCLOSURES
In accordance with federal lending standards and Regulation Z, the following core credit terms apply to all retail installment contracts executed with Area 51 Auto Finance LLC:
Annual Percentage Rate (APR): The cost of your credit as a yearly rate, determined by internal risk assessment and underwriting criteria.
Finance Charge: The dollar amount the credit will cost you over the life of the retail installment contract.
Amount Financed: The amount of credit provided to you or on your behalf, calculated as the cash price minus down payment and trade-in allowances, plus applicable dealer fees.
Total of Payments: The sum total amount you will have paid after making all scheduled payments as outlined in your installment schedule.
Total Sale Price: The total cost of your purchase on credit, including your down payment and all scheduled installment payments.
2. PAYMENT TERMS & DEFAULT CONDITIONS
Installment Schedule: Payments are due weekly, bi-weekly, or monthly strictly according to the agreed schedule in your signed Retail Installment Sale Contract.
Late Fees & Grace Periods: Specific grace periods and late charges are defined in your individual contract. Failure to submit payments on time may result in administrative fees and initiation of repossession protocols in accordance with Alabama law.
Prepayment Rights: You have the right to prepay your installment contract in full at any time without penalty, resulting in a proportional rebate of unearned finance charges where applicable by law.
3. CREDIT REPORTING & VERIFICATION
By submitting an in-house financing application, you authorize Area 51 Auto Finance LLC to verify your employment, income references, and credit history through internal review and credit bureaus to determine creditworthiness under our internal underwriting standards.

PART 4: USED VEHICLE BUYER'S GUIDE ("AS-IS" NOTICE)
AS IS — NO DEALER WARRANTY THE PURCHASER EXPRESSLY UNDERSTANDS AND AGREES THAT THIS VEHICLE IS SOLD "AS IS" WITHOUT ANY WARRANTY, EXPRESSED OR IMPLIED.
1. DEALER WARRANTY DISCLAIMERS
The dealer assumes no responsibility for any repairs regardless of any oral statements about the vehicle, unless a separate written warranty agreement is executed between Area 51 Auto Finance LLC and the buyer.

2. SYSTEMS COVERED / DEFECTS WAIVER
By signing this disclosure, the buyer acknowledges that:
The vehicle is sold without any express or implied warranties by the dealer. The entire risk as to the quality and performance of the vehicle is with the buyer. If the vehicle proves defective following purchase, the buyer—and not the dealer, manufacturer, or distributor—assumes the entire cost of all necessary servicing or repair.
3. STATE LAW & IMPLIED WARRANTIES NOTICE
State law may confer certain rights upon the buyer depending on local regulations; however, this document serves as the primary contractual waiver of dealer-backed guarantees to the maximum extent permitted under Alabama law.

PART 5: WEBSITE DISCLAIMER & COOKIE POLICY
1. WEBSITE LEGAL DISCLAIMER
The information provided on the Area 51 Auto Finance LLC website is for general informational and inventory viewing purposes only. While we endeavor to keep inventory listings, vehicle specifications, pricing, and in-house financing calculator estimates accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of vehicles or financing terms displayed online.

2. LIMITATION OF ONLINE LIABILITY
In no event will Area 51 Auto Finance LLC be liable for any loss or damage including without limitation, indirect or consequential loss or damage arising from loss of data or profits arising out of, or in connection with, the use of this website.
3. COOKIE POLICY & TRACKING TECHNOLOGIES
Our website utilizes standard cookies and tracking technologies to enhance user experience, analyze site traffic, and support online application forms:
Essential Cookies: Required for secure navigation, session management, and form submissions. Analytics Cookies: Used to understand visitor interactions and improve our digital platform performance.

PART 6: GLBA DATA SECURITY POLICY
1. OVERVIEW & COMMITMENT
As a direct in-house automotive finance provider, Area 51 Auto Finance LLC collects and maintains sensitive Non-Public Personal Information (NPI), including Social Security numbers, banking details, income records, and employment histories. In compliance with the federal Gramm-Leach-Bliley Act (GLBA) and FTC Safeguards Rule, we maintain strict administrative, technical, and physical safeguards to protect consumer financial records.
2. INFORMATION SAFEGUARDS & SECURITY CONTROLS
Access Controls: Employee access to customer credit files is strictly limited to authorized personnel with a verified business need for underwriting or account administration.
Encryption & Storage: Electronic financial records are maintained on secure, encrypted servers. Physical document files are locked in secure storage cabinets on-site.
Vendor Management: Any third-party service providers (such as IT support or legal counsel) who assist in our operations are contractually bound to maintain strict confidentiality and data security standards.
Disposal Procedures: Customer records containing NPI are securely shredded or digitally wiped in accordance with federal disposal guidelines once retention periods expire.

CUSTOMER ACKNOWLEDGMENTS & CONTACT
Area 51 Auto Finance LLC
US Hwy 231, Cleveland, AL 35049
Email: privacy@area51autofinance.com / legal@area51autofinance.com
Master Agreement & Disclosures Acknowledgment: By signing below, the buyer acknowledges receipt, review, and agreement to the Privacy Policy, Terms & Conditions, In-House Financing TILA Disclosures, and As-Is Buyer's Guide provided by Area 51 Auto Finance LLC.