Terms & Conditions

1. Who you are contracting with

DealIQ ("DealIQ", "we", "us") is operated by Devin Scott Eugene Smith, a sole proprietor trading as DealIQ. When you create an account or subscribe, you are contracting with Devin Scott Eugene Smith. Questions about these terms can be sent to support@deal-iq.app.

2. Acceptance

By creating an account, accessing, or continuing to use DealIQ, you agree to these Terms & Conditions. If you do not agree, do not use the service. If you accept on behalf of a dealership or other organization, you confirm you have authority to bind that organization. If you are using DealIQ as an individual, you confirm you are of legal age to enter into a contract.

3. The service

DealIQ is a web-based deal-structuring and desking tool for automotive dealerships. It calculates payment, LTV, PTI and DTI estimates, scores deal structures against lender guidelines your dealership configures, tracks inventory and deals, and provides reporting and training content. Access is provided as a subscription under the plan and seat band you select.

Decision-support only

All outputs — including fit scores, approval odds, tax estimates and profitability estimates — are estimates for internal decision support. They are not credit decisions, approvals, offers of credit, legal, tax or accounting advice. You are responsible for verifying figures, lender guidelines and disclosures before presenting anything to a customer or lender, and for complying with all applicable lending, advertising and consumer-protection laws.

4. Accounts and credentials

• You must provide accurate account and store information and keep it up to date.
• You are responsible for keeping credentials confidential and for all activity under your account.
• Notify us promptly at support@deal-iq.app of any unauthorized use.
• Each user must have their own login; your plan's seat band limits how many users your store may have.

5. Licence and restrictions

We grant you a limited, non-exclusive, non-transferable, revocable right to use DealIQ for your dealership's internal business purposes during your paid subscription or trial, within the plan you selected. You must not:

• reverse engineer, decompile or attempt to derive source code;
• resell, sublicense, rent or redistribute the service or its outputs as a competing product;
• circumvent seat limits, entitlement checks or other technical limits;
• scrape or bulk-extract data other than your own dealership's data.

6. Acceptable use

You must not misuse DealIQ. In particular you must not:

• use the service for any unlawful purpose, including discriminatory lending practices or deceptive sales practices;
• commit fraud, send spam, or upload false customer or lender information;
• infringe the intellectual property or privacy rights of others;
• interfere with the security or integrity of the service — no malware, probing, penetration testing without written consent, denial-of-service, or unauthorized scraping.

7. Your data and content

You retain ownership of the deal, customer, inventory and lender data you enter. You grant us a limited licence to host, process and transmit that content solely to operate and support the service. You are responsible for having the rights and any customer consents needed to enter personal information into DealIQ, and for handling that information in line with applicable privacy and data-security laws (including the Gramm-Leach-Bliley Act Safeguards Rule where applicable).

8. Intellectual property

We retain all right, title and interest in DealIQ, including the software, calculation logic, scoring models, documentation, training content, user interface and branding. No rights are granted except those expressly stated here.

9. Service levels

We work to keep DealIQ available and accurate, but the service is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted, timely, secure or error-free operation, and we may perform maintenance or change features over time.

10. Payment, subscriptions and taxes

Subscriptions are billed per store on the seat band you select, monthly or annually in advance, and renew automatically until cancelled. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

Payment, billing, currency, tax, invoicing, cancellation and refund mechanics are governed by the Paddle Buyer Terms. See also our Refund Policy. If you exceed your plan's seat band, you must upgrade to a plan that covers your user count; upgrades and downgrades are prorated.

11. Trials

New stores may receive a 14-day free trial with no card required. When a trial ends without an active subscription, the store moves to read-only access: existing data remains viewable and exportable, but new records cannot be created until you subscribe.

12. Warranties

To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, accuracy and non-infringement.

13. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, consequential, special or punitive damages, or for lost profits, lost deals, lost data or loss of goodwill. Our aggregate liability for any claim arising out of or relating to the service is limited to the fees you paid in the 12 months before the event giving rise to the claim. Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

14. Indemnity

You will indemnify and hold us harmless against claims, damages and reasonable costs arising from your content, your unlawful or non-compliant use of the service, or your breach of these terms.

15. Suspension and termination

We may suspend or terminate access where there is:

• a material breach of these terms;
• non-payment of fees;
• a security, fraud or legal risk to us, our users or third parties;
• repeated or serious violations of the acceptable-use rules above.

You may cancel at any time from Settings → Billing or via Paddle. On termination, your access ends at the end of the paid period. You may export your data during your subscription and for 30 days after it ends, after which we may delete or anonymise it.

16. Changes to these terms

We may update these terms. Material changes will be posted here with an updated date and, where reasonable, notified in-app or by email. Continued use after changes take effect means you accept them.

17. Governing law and disputes

These terms are governed by the laws of the State of New York, United States, without regard to conflict-of-law rules. The state and federal courts located in New York have exclusive jurisdiction, except that either party may seek injunctive relief in any competent court.

18. General

You may not assign these terms without our written consent; we may assign them in connection with a merger, acquisition or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. If a provision is unenforceable, the rest remains in effect. These terms, together with the Paddle Buyer Terms, our Privacy Notice and Refund Policy, form the entire agreement between us.