Terms of Use

Last updated: April 3, 2026

1. Informational Purposes Only

The Loan Optimizer tool and all calculations, projections, and analyses provided on this website are for informational and educational purposes only. They do not constitute financial advice, lending offers, or binding quotes of any kind.

2. No Guarantee of Accuracy

While we strive to provide accurate calculations, the results generated by this tool are estimates based on the inputs you provide and standard amortization formulas. Actual loan terms, interest rates, monthly payments, and finance charges may vary based on your lender, creditworthiness, and other factors not accounted for by this tool.

3. Not a Lending Institution

Advocate Automotive is not a bank, credit union, or lending institution. We do not originate, underwrite, or service loans. Any financing decisions should be made in consultation with a qualified financial professional or your chosen lender.

4. No Professional Advice

Nothing on this website should be interpreted as professional financial, tax, or legal advice. You should consult with appropriate professionals before making any financial decisions related to vehicle financing.

5. Use at Your Own Risk

You acknowledge that any reliance on the information provided by this tool is at your own risk. Advocate Automotive shall not be liable for any losses, damages, or claims arising from decisions made based on the output of this tool.

6. Modifications

We reserve the right to modify, update, or discontinue this tool at any time without notice. These Terms of Use may be updated periodically, and continued use of the tool constitutes acceptance of any changes.

7. Intellectual Property

All content, design, and functionality of this website are the property of Advocate Automotive and are protected by applicable intellectual property laws.

Privacy Policy

Last updated: April 3, 2026

1. Overview

Advocate Automotive respects your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information.

2. Local Storage of Preferences

This tool stores your preferences and calculator settings locally on your device using your browser's localStorage feature. This data never leaves your machine and is not transmitted to our servers. You can clear this data at any time using the "Reset" button in the application or by clearing your browser data.

Locally stored data includes:

Calculator input values (vehicle price, down payment, APR, term, etc.)
Scenario configurations (term and lump sum settings)
Display preferences (chart visibility, active chart tab)

3. Usage Analytics

We may collect anonymous usage statistics to help us understand how the tool is used and to improve the experience. This may include:

Pages visited and features used
Device type, browser type, and screen resolution
General geographic region (country/state level)
Session duration and interaction patterns

This data is collected in aggregate and cannot be used to identify you personally. We do not collect names, email addresses, or any personally identifiable information through the tool.

4. No Tracking Without Analytics

The core functionality of this tool works entirely without analytics or any external data collection. If analytics scripts are blocked by your browser or ad blocker, the tool will continue to function normally with no degradation in features.

5. No Third-Party Data Sharing

We do not sell, trade, or otherwise transfer your information to third parties. If analytics services are used, they are configured to anonymize data and are bound by their own privacy policies.

6. Cookies

This tool does not use cookies. All local data storage is handled through the browser's localStorage API.

7. Your Rights

You have the right to:

Clear your data at any time using the Reset button or your browser settings
Block analytics using browser extensions or settings without affecting tool functionality
Contact us with any privacy-related questions

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last updated" date at the top of this page.

9. Contact

If you have questions about this Privacy Policy, please contact us through our website.