TERMS & CONDITIONS

CharlotteAuctionCars.com is committed to protecting your private
information. The Terms and Privacy Statement included here, describes the
information that we collect when you visit our site. It also describes how we
use that information, and how you can update any collected personal
information. We reserve the right to append or otherwise modify this policy at
any time. Please revisit this page occasionally to check for updates.

Telephone Consumer Protection Act Compliance

If you provide a cell phone number with your contact information, CharlotteAuctionCars.com
and/or CharlotteAuctionCars.com’ clients may dial this number, possibly using
an autodialer, to provide quote information and/or seek additional information
in order to provide a quote. By providing a cell phone number, you agree to be
contacted at that cell phone number, regardless of whether you, or someone
else, is in possession of the cell phone when contact is made. Entering into
this agreement is not a condition of purchasing any goods or services.

Information We Collect

CharlotteAuctionCars.com collects various types of information from our
visitors in order meet our users’ needs and expectations and to enhance
security. Some of this information is collected automatically, through a text
file known as a “cookie.” or similar technologies. Other information is
collected when you register for any of our online services, or when you request
information from one of our insurance partners. You can refuse cookies by
turning them off in your browser. If you do so, please note that some of our
features and services may not function properly if your cookies are disabled.

Information Collected Automatically

Some information is automatically sent to CharlotteAuctionCars.com by your
browser or Internet session each time you visit our site. These types of
information include:

• The name of your browser, e.g., Internet Explorer, Chrome, etc.

• Your Internet domain, e.g., AOL, Netcom, Earthlink, etc.

• Your computer’s operating system, e.g., Windows, Macintosh, UNIX, Linux.

• Your navigation path, e.g., the URL(s) that you use to access our site,
which of our pages you visit, and where you go when you leave.

• Your IP address.

This information allows us to see how users are finding our site, and which
pages are visited the most often. We can then use this information to make our
web site more useful and more user-friendly.

Third Party Advertisers

CharlotteAuctionCars.com works with third party advertisers and other
vendors to serve ads and collect data on our sites. These companies may use
information (including your name, address, email address, or telephone number)
about your visits to these and other websites in order to provide
advertisements on these sites and other websites about goods and services that
may be of interest to you. We market insurance services, home services, debt
products and other money saving products.

Services

You will be contacted by Charlotte Auction Cars (an Education Solutions
Providers Inc. company) regarding your request for information, regarding buying
or renting a car or regarding auto insurance.

Information You Provide to Us

In addition to the information automatically collected by your browser, CharlotteAuctionCars.com
also collects information that you provide to us when you request quote
information.

Our web site provides users with the opportunity to request quote
information from insurance providers and brokers. To do this, we collect
contact information (name, address, phone number, email address, gender, age,
work experience, etc.) as well as information relevant to the applicant’s
insurability (driver history, vehicle usage, etc.). This contact information is
then provided to the insurance partners from which the user has requested quote
information.

CharlotteAuctionCars.com uses cookies to store contact information for each
user. If the user uses our site to make further requests for quote information.
Their contact information will automatically be used to pre-populate contact
forms. CharlotteAuctionCars.com also collects customer interest information
(e.g., Requests for E-Mail Newsletters) to determine what information the
customer wishes to be sent after using our service.

By submitting a quote request, you authorize CharlotteAuctionCars.com to
provide your information to legal specialists, law firms and/or attorneys, both
local and national. You also authorize CharlotteAuctionCars.com to provide your
information to one of our third party agent networks in the event that our
primary agent network has few or no agents in your zip code. You authorize
these agent networks to share your information with their vendors, suppliers,
and insurance carriers in order to generate information for your quotes. By
submitting a quote request, you acknowledge that CharlotteAuctionCars.com’s
service requires you to agree that our partner companies may obtain a consumer
report or credit score from a consumer reporting agency (also known as a credit
bureau) and that these partner companies do not have the right to obtain a
consumer report or credit score without your written instruction which you are
granting by clicking the submit button. Accordingly, by submitting a quote
request you instruct consumer reporting agencies to provide a consumer report
or credit score on you to these partner companies if requested within a
reasonable date from the time you submit information to CharlotteAuctionCars.com.

How We Use This Information

The information that is automatically collected by this web site allows CharlotteAuctionCars.com
to further develop and improve the layout, design, and usability of the site,
in order to better serve your Internet needs. Information you provide to us is
used for marketing purposes, and may result in follow-up communications.

Your Rights—Our Obligations

If you wish to review or update the personal information that CharlotteAuctionCars.com
has collected from you, email us at [email protected]. To
protect your privacy and better safeguard your information, we will also take
reasonable steps to verify your identity before granting access or making
corrections.

Our Security Measures

Our web site has security measures in place to protect against the loss,
misuse, and/or alteration of the information under our control.

Business Transfers

Personal information may be transferred as a result of acquisition, merger,
or sale in bankruptcy. In such cases, the acquiring company will be required to
honor the promises in this privacy policy and obtain your consent to any
material changes in how your information is handled.

Compliance with Law

CharlotteAuctionCars.com reserves the right to disclose your personal
information if required to do so by law, or in the good faith belief that such
action is reasonably necessary to comply with legal process, respond to claims,
or protect the rights, property, or safety of our company, employees,
customers, or the public.

Why We Use "Cookies"

When you visit our site, we use cookies to keep track of your information. A
"cookie" is a small piece of program code that resides on your
computer and stores your contact information for all of our "Request
Information" sites. Each time you visit our site, the cookie uses the
stored information to pre-populate our online forms, so that you do not have to
re-enter your contact information as you move from one site to another.

Links From Our Site To Other Sites

Some of our sites may contain links to other sites external to our sites.
When you access these external web sites, the providers of the sites will have
access to certain information about you. CharlotteAuctionCars.com is not
responsible for the privacy practices or the content of any web sites which we
do not directly control.

CCPA

This Privacy Notice for California Residents supplements the information
contained in CharlotteAuctionCars.com privacy policy and applies solely to all
visitors, users, and others who reside in the State of California (“consumers”
or “you”). We adopt this notice to comply with the California Consumer Privacy
Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when
used in this notice.

INFORMATION WE COLLECT

The CharlotteAuctionCars.com.us website (the “Site”) collects information
that identifies, relates to, describes, references, is capable of being
associated with, or could reasonably be linked, directly or indirectly, with a
particular consumer or device (“personal information”). In particular, the Site
has collected the following categories of personal information from its
consumers within the last 12 months when the information is directly submitted
by the consumer:

Category Examples Collected

A. Identifiers. A real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address, email address,
account name, Social Security number, driver’s license number, passport number,
or other similar identifiers. YES

B. Personal information categories listed in the California Customer Records
statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security
number, physical characteristics or description, address, telephone number,
passport number, driver’s license or state identification card number,
insurance policy number, education, employment, employment history, bank
account number, credit card number, debit card number, or any other financial
information, medical information, or health insurance information.

Some personal information included in this category may overlap with other
categories. YES

C. Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship,
religion or creed, marital status, medical condition, physical or mental
disability, sex (including gender, gender identity, gender expression,
pregnancy or childbirth and related medical conditions), sexual orientation,
veteran or military status, genetic information (including familial genetic
information). YES

D. Commercial information. Records of personal property, products or
services purchased, obtained, or considered, or other purchasing or consuming
histories or tendencies. NO

E. Biometric information. Genetic, physiological, behavioral, and biological
characteristics, or activity patterns used to extract a template or other
identifier or identifying information, such as, fingerprints, faceprints, and
voiceprints, iris or retina scans, keystroke, gait, or other physical patterns,
and sleep, health, or exercise data. NO

F. Internet or other, similar network activity. Browsing history, search
history, information on a consumer’s interaction with a website, application,
or advertisement. NO

G. Geolocation data. Physical location or movements. YES

H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar
information. NO

I. Professional or employment-related information. Current or past job
history or performance evaluations. NO

J. Non-public education information (per the Family Educational Rights and
Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records
directly related to a student maintained by an educational institution or party
acting on its behalf, such as grades, transcripts, class lists, student
schedules, student identification codes, student financial information, or
student disciplinary records. NO

K. Inferences drawn from other personal information. Profile reflecting a
person’s preferences, characteristics, psychological trends, predispositions,
behavior, attitudes, intelligence, abilities, and aptitudes.NO

Personal information does not include:

• Publicly available information from government records.

• De-identified or aggregated consumer information.

• Information excluded from the CCPA’s scope, like:

-health or medical information covered by the Health Insurance Portability
and Accountability Act of 1996 (HIPAA) and the California Confidentiality of
Medical Information Act (CMIA) or clinical trial data;

-personal information covered by certain sector-specific privacy laws,
including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act
(GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s
Privacy Protection Act of 1994.

CharlotteAuctionCars.com obtains the categories of personal information listed
above from the following categories of sources:

• Directly from you. For example, from forms you complete or products and
services you purchase.

• Indirectly from you. For example, from observing your actions on our Site.

USE OF PERSONAL INFORMATION

We may use or disclose the personal information we collect for one or more
of the following business purposes:

• To fulfill or meet the reason you provided the information. For example,
if you share your name and contact information to ask a question about our
products or services, we will use that personal information to respond to your
inquiry. If you provide your personal information to purchase a product or
service, we will use that information to process your payment and facilitate
delivery. We may also save your information to facilitate new product orders or
process returns. If you submit a story about your experience with CharlotteAuctionCars.com,
we may post that story on our Site, without identifying you by name or address.

• To provide, support, personalize, and develop our Site, products, and
services.

• To create, maintain, customize, and secure your account with us.

• To process your requests, purchases, transactions, and payments and
prevent transactional fraud.

• To provide you with support and to respond to your inquiries, including to
investigate and address your concerns and monitor and improve our responses.

• To personalize your Site experience.

• For testing, research, analysis, and product development, including to
develop and improve our Site, products, and services.

• To respond to law enforcement requests and as required by applicable law,
court order, or governmental regulations.

• As described to you when collecting your personal information or as
otherwise set forth in the CCPA.

CharlotteAuctionCars.com will not collect additional categories of personal
information or use the personal information we collected for materially
different, unrelated, or incompatible purposes without providing you notice.

SHARING PERSONAL INFORMATION

CharlotteAuctionCars.com may disclose your personal information to a third
party for a business purpose. When we disclose personal information for a
business purpose, we enter a contract that describes the purpose and requires
the recipient to both keep that personal information confidential and not use
it for any purpose except performing the contract.

We share your personal information with the following categories of third
parties:

• Subsidiaries and affiliates.

• Service providers.

• Data aggregators.

• Third parties with whom we partner to offer products and services to you.

DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE

In the preceding 12 months, CharlotteAuctionCars.com has disclosed the
following categories of personal information for a business purpose to the
parties identified above:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or
federal law.

Category D: Commercial information.

Category E: Geolocation data.

SALES OF PERSONAL INFORMATION

In the preceding 12 months, CharlotteAuctionCars.com has not sold any
personal information of site visitors unless a lead form was submitted directly
by the consumer.

YOUR RIGHTS AND CHOICES

The CCPA provides consumers (California residents) with specific rights
regarding their personal information. This section describes your CCPA rights
and explains how to exercise those rights.

ACCESS TO SPECIFIC INFORMATION AND DATA PORTABILITY RIGHTS

You have the right to request that CharlotteAuctionCars.com disclose certain
information to you about our collection and use of your personal information
over the past 12 months. Once we receive and confirm your verifiable consumer
request (see Exercising Access, Data Portability, and Deletion Rights), we will
disclose to you:

• The categories of personal information we collected about you.

• The categories of sources for the personal information we collected about
you.

• Our business or commercial purpose for collecting or selling that personal
information.

• The categories of third parties with whom we share that personal
information.

• The specific pieces of personal information we collected about you (also
called a data portability request).

• If we sold or disclosed your personal information for a business purpose,
two separate lists disclosing:

o sales, identifying the personal information categories that each category
of recipient purchased; and

o disclosures for a business purpose, identifying the personal information
categories that each category of recipient obtained.

DELETION REQUEST RIGHTS

You have the right to request that CharlotteAuctionCars.com delete any of
your personal information that we collected from you and retained, subject to
certain exceptions. Once we receive and confirm your verifiable consumer
request (see Exercising Access, Data Portability, and Deletion Rights), we will
delete (and direct our service providers to delete) your personal information
from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for
us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information,
provide a good or service that you requested, take actions reasonably
anticipated within the context of our ongoing business relationship with you,
or otherwise perform our contract with you.

2. Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity, or prosecute those responsible for such
activities.

3. Debug products to identify and repair errors that impair existing
intended functionality.

4. Exercise free speech, ensure the right of another consumer to exercise
their free speech rights, or exercise another right provided for by law.

5. Comply with the California Electronic Communications Privacy Act (Cal.
Penal Code § 1546 et. seq.).

6. Engage in public or peer-reviewed scientific, historical, or statistical
research in the public interest that adheres to all other applicable ethics and
privacy laws, when the information’s deletion may likely render impossible or
seriously impair the research’s achievement, if you previously provided
informed consent.

7. Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.

8. Comply with a legal obligation.

9. Make other internal and lawful uses of that information that are
compatible with the context in which you provided it.

EXERCISING ACCESS, DATA PORTABILITY, AND DELETION RIGHTS

To exercise the access, data portability, and deletion rights described
above, please submit a verifiable consumer request to us by contacting us at:

CharlotteAuctionCars.com at [email protected]

Only you, or a person registered with the California Secretary of State that
you authorize to act on your behalf, may make a verifiable consumer request
related to your personal information. You may also make a verifiable consumer
request on behalf of your minor child.

You may only make a verifiable consumer request for access or data
portability twice within a 12-month period. The verifiable consumer request
must:

• Provide sufficient information that allows us to reasonably verify you are
the person about whom we collected personal information or an authorized
representative.

• Describe your request with sufficient detail that allows us to properly
understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information
if we cannot verify your identity or authority to make the request and confirm
the personal information relates to you.

Making a verifiable consumer request does not require you to create an
account with us. We will only use personal information provided in a verifiable
consumer request to verify the requestor’s identity or authority to make the
request.

RESPONSE TIMING AND FORMAT

We endeavor to respond to a verifiable consumer request within forty-five
(45) days of its receipt. If we require more time (up to 90 days), we will
inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that
account. If you do not have an account with us, we will deliver our written
response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the
verifiable consumer request’s receipt. The response we provide will also
explain the reasons we cannot comply with a request, if applicable. For data
portability requests, we will select a format to provide your personal
information that is readily useable and should allow you to transmit the
information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer
request unless it is excessive, repetitive, or manifestly unfounded. If we
determine that the request warrants a fee, we will tell you why we made that
decision and provide you with a cost estimate before completing your request.

PERSONAL INFORMATION SALES OPT-OUT AND OPT-IN RIGHTS

If you are 18 years of age or older, you have the right to direct us to not
sell your personal information at any time (the “right to opt-out”). We do not
sell the personal information of consumers we actually know are less than 18
years of age.

Arbitration Agreement

Any dispute or claim relating in any way to your use of this website,
including any related calls texts or other communications, will be resolved by
binding arbitration, rather than in court, except that you may assert claims in
small claims court if your claims qualify. This includes claims against our
clients, vendors, and Marketing Partners, which are third party beneficiaries
of this arbitration agreement. The Federal Arbitration Act and federal
arbitration law apply to this agreement.

There is no judge or jury in arbitration, and court review of an arbitration
award is limited. However, an arbitrator can award on an individual basis the
same damages and relief as a court (including injunctive and declaratory relief
or statutory damages), and must follow the terms of these terms as a court
would.

The arbitration may be conducted by the American Arbitration Association
(AAA) under its rules, including the AAA's Supplementary Procedures for
Consumer-Related Disputes. The AAA's rules are available at www.adr.org or by
calling 1-800-778-7879. You may choose to have the arbitration conducted by
telephone, based on written submissions, or in person in the county where you
live or at another mutually agreed location.

We each agree that any dispute resolution proceedings will be conducted only
on an individual basis and not in a class, consolidated or representative
action. If for any reason a claim proceeds in court rather than in arbitration
we each waive any right to a jury trial. We also both agree that you or we may
bring suit in court to enjoin infringement or other misuse of intellectual
property rights.

NON-DISCRIMINATION

We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:

• Deny you goods or services.

• Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties.

• Provide you a different level or quality of goods or services.

• Suggest that you may receive a different price or rate for goods or
services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA
that can result in different prices, rates, or quality levels. Any
CCPA-permitted financial incentive we offer will reasonably relate to your
personal information’s value and contain written terms that describe the
program’s material aspects. Participation in a financial incentive program
requires your prior opt-in consent, which you may revoke at any time.

OTHER CALIFORNIA PRIVACY RIGHTS

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits
users of our Site that are California residents to request certain information
regarding our disclosure of personal information to third parties for their
direct marketing purposes. To make such a request, please write or email to us
at:

CharlotteAuctionCars.com at [email protected]

CHANGES TO OUR PRIVACY NOTICE

CharlotteAuctionCars.com reserves the right to amend this privacy notice at
our discretion and at any time. When we make changes to this privacy notice, we
will post the updated notice on the Site and update the notice’s effective
date. Your continued use of our Site following the posting of changes
constitutes your acceptance of such changes.

CONTACT INFORMATION

If you have any questions or comments about this notice, the ways in which CharlotteAuctionCars.com
collects and uses your information described below and in the Privacy Policy,
your choices and rights regarding such use, or wish to exercise your rights
under California law, please do not hesitate to contact us at:

How does CharlotteAuctionCars.com update its Privacy Policy?

Any changes to our Privacy Policy will be posted on this page so that you
are always aware of what information we collect and how we use it, as well as
the latest updates on how we maintain the secure portions of our websites.

By using our website, you consent to the collection and use of information as
it is disclosed in this Privacy Policy Statement. If you do not agree, we ask
that you do not use our site.

Contacting Us

If you have any questions or concerns about our company or this Policy,
please email us at [email protected]