Todd
Todd — gettodd.ai · Effective date: September 23, 2026 · Version 1.1
These Terms of Service (“Terms”) are a binding agreement between Xlerates Technologies LLC, a Washington limited liability company (“Xlerates,” “we,” “us”), and the dealership or other business entity that registers for or uses the Service (“you,” “your,” or “Dealer”).
By creating an account, accepting an invitation to join a dealership workspace, or using the Service, you agree to these Terms on behalf of yourself and, where applicable, the Dealer. If you register or use the Service on behalf of a Dealer, you represent and warrant that you have authority to bind that Dealer to these Terms.
“Todd” (the “Service”) is a software service that helps automobile dealerships work with lender rate sheets, loan program information, deal information, calculations, and related finance-office workflows.
The Service uses artificial intelligence and deterministic software systems to process documents and information provided by Dealer and to generate responses based on those materials.
Todd is a workflow and information tool for trained dealership personnel. The Service does not extend credit, make credit decisions on behalf of a lender, approve or decline credit applications, originate or fund loans, bind any lender, or make commitments on behalf of any lender.
Information generated by the Service, including rates, advances, program terms, eligibility information, calculations, comparisons, and summaries, may be incomplete, outdated, or incorrect.
Dealer is solely responsible for:
The Service does not provide legal, tax, accounting, or consumer financial advice. No output from the Service constitutes approval, authorization, or a commitment by any lender or financial institution.
Dealership workspaces are created through our signup or onboarding process. Individual users may join a workspace by invitation.
You must provide accurate account information and maintain the confidentiality of your credentials. Dealer is responsible for activity conducted through its accounts and workspace.
Each user email may belong to one dealership workspace unless otherwise authorized by Xlerates. Invitations may expire and may be revoked by Dealer or Xlerates.
The Service is provided for Dealer’s internal business use.
You may not resell the Service, share user credentials, or knowingly provide access to persons who are not authorized personnel of Dealer except as expressly authorized by Xlerates.
New dealerships may receive a 30-day free trial with a limited usage allowance. A valid payment method may be required at signup.
If a payment method is provided and an automatic conversion is disclosed during signup, your paid subscription will begin automatically when the trial ends unless you cancel before that date. Your payment method will then be charged at the plan rate presented at signup or, if no other paid plan was selected, the then-current Sweep plan rate.
If no payment method is provided, paid access will not begin automatically.
Current plans, included features, and pricing are presented through the Service, signup process, order form, or billing page.
As of this version, generally available plans include Starter at $49/month and Sweep at $199/month. Xlerates may offer additional plans, negotiated pricing, promotional pricing, or complimentary access.
We may change pricing upon at least 30 days’ notice. Pricing changes apply beginning with the next applicable billing cycle after the change becomes effective.
Paid subscriptions are billed monthly in advance through our payment processor, Stripe.
By providing a payment method, you authorize Xlerates and its payment processor to charge applicable recurring subscription fees, taxes, and other disclosed charges.
Failed payments may result in suspension of access until payment is resolved.
You may cancel your subscription at any time through the Service where available or by contacting us.
Cancellation takes effect at the end of the then-current paid billing period. Fees already paid are non-refundable except where required by law or expressly agreed otherwise.
We may offer discounts, credits, trials, or complimentary access at our discretion. Unless expressly stated otherwise, promotional arrangements do not modify these Terms and may be changed or discontinued prospectively.
“Dealer Data” means documents, information, content, and other materials submitted to the Service by or on behalf of Dealer, including lender rate sheets and program materials, chat inputs, deal information, feedback, and dealership information.
As between Dealer and Xlerates, Dealer retains its rights and interests in Dealer Data. Xlerates does not claim ownership of Dealer Data merely because it is submitted to the Service.
Nothing in these Terms transfers to Dealer any ownership rights belonging to a lender, service provider, document owner, or other third party.
Dealer grants Xlerates a non-exclusive, limited right to host, store, reproduce as technically necessary, transmit, and otherwise process Dealer Data solely as reasonably necessary to provide, operate, secure, maintain, support, and troubleshoot the Service for Dealer and to comply with applicable law.
Dealer also authorizes Xlerates to permit its subprocessors to process Dealer Data solely to the extent reasonably necessary to perform services for Xlerates in connection with the Service.
Except as authorized by Dealer, required to provide the Service, or required by law, Xlerates will not sell Dealer Data or distribute Dealer-submitted lender materials to other dealerships.
Dealer represents and warrants that it has all rights, permissions, licenses, consents, and authority necessary to submit Dealer Data to the Service and to authorize Xlerates and its subprocessors to host, transmit, store, and process Dealer Data as described in these Terms and the Privacy Policy.
Dealer is responsible for complying with any confidentiality, use, disclosure, access, distribution, or other restrictions applicable to Dealer Data, including restrictions imposed by lenders, financial institutions, service providers, licensors, contractual counterparties, or other third parties.
Dealer must not submit any document, information, or other material that Dealer is prohibited from providing to a third-party service provider for processing.
Xlerates does not independently determine whether Dealer possesses sufficient rights or authority to submit particular Dealer Data. Dealer is responsible for making that determination before submitting the material.
Dealer should submit customer information only when reasonably necessary for Dealer’s authorized use of the Service.
Dealer is responsible for determining that it may lawfully provide such information to Xlerates for processing and for satisfying any notice, consent, privacy, security, or other obligations applicable to Dealer.
Xlerates processes customer information submitted by Dealer only as described in these Terms and the Privacy Policy.
Dealer acknowledges that operation of the Service requires Dealer Data to be processed by third-party infrastructure and artificial-intelligence providers acting as Xlerates subprocessors.
Xlerates does not permit its AI subprocessors to use Dealer Data to train their generalized models.
Additional information concerning subprocessors and data practices appears in the Privacy Policy.
You may not:
(a) use the Service unlawfully or in violation of another person’s rights;
(b) probe, attack, disrupt, disable, or circumvent Service security or technical restrictions;
(c) reverse engineer or attempt to derive non-public source code, prompts, systems, or models except to the extent such restriction is prohibited by applicable law;
(d) use non-public aspects of the Service to build or train a competing product or service;
(e) knowingly submit malicious code or content designed to interfere with the Service;
(f) misrepresent your identity, authority, or affiliation; or
(g) use the Service in a manner that knowingly causes Xlerates to violate applicable law or third-party rights.
The Service, including Xlerates software, system architecture, model configurations, prompts, interfaces, workflows, documentation, branding, and other proprietary technology, is owned by Xlerates or its licensors.
Subject to these Terms and payment of applicable fees, Xlerates grants Dealer a limited, non-exclusive, non-transferable right to access and use the Service during Dealer’s subscription for its internal business purposes.
If you provide suggestions or feedback concerning the Service, Xlerates may use that feedback without restriction or obligation to you, provided doing so does not grant Xlerates ownership of Dealer Data or authorize disclosure of Dealer Confidential Information.
Each party may receive non-public information belonging to the other party (“Confidential Information”).
Each party will use reasonable care to protect the other party’s Confidential Information and will use such information only as reasonably necessary to perform or receive services under these Terms.
Confidential Information does not include information that the receiving party can demonstrate: (a) is or becomes publicly available without breach of these Terms; (b) was lawfully known to the receiving party without confidentiality restriction before disclosure; (c) is lawfully received from another source without confidentiality restriction; or (d) is independently developed without use of the disclosing party’s Confidential Information.
A party may disclose Confidential Information where required by applicable law, regulation, subpoena, or court order, subject to legally permitted notice to the other party.
For clarity, Dealer Data that constitutes non-public information will be treated as Dealer Confidential Information.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, XLERATES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND ERROR-FREE OR UNINTERRUPTED OPERATION.
XLERATES DOES NOT WARRANT THAT INFORMATION GENERATED BY THE SERVICE IS CURRENT, COMPLETE, OR CORRECT OR THAT ANY LENDER WILL APPROVE, ACCEPT, PURCHASE, OR FUND ANY TRANSACTION.
Dealer is responsible for independently verifying information material to its transactions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
(a) neither party will be liable for indirect, incidental, special, exemplary, consequential, or punitive damages, or for lost profits or revenues, arising out of or relating to the Service; and
(b) Xlerates’ aggregate liability arising out of or relating to the Service or these Terms will not exceed the total fees paid by Dealer to Xlerates during the twelve (12) months immediately preceding the event giving rise to the claim.
The foregoing limitations do not apply to Dealer’s payment obligations or to either party’s fraud or willful misconduct.
Nothing in this Section limits Dealer’s obligations under Section 11 to the extent such limitation would prevent enforcement of the indemnification expressly provided there.
The disclaimers and limitations contained in Sections 2, 9, and 10 are material provisions of these Terms, and the Service’s pricing reflects the allocation of risk described in them.
Dealer will defend, indemnify, and hold harmless Xlerates and its affiliates, officers, directors, employees, and agents from and against third-party claims, actions, proceedings, damages, liabilities, judgments, settlements, costs, and reasonable attorneys’ fees arising out of or relating to:
(a) Dealer Data, including a claim that Dealer lacked the right, permission, consent, or authority to submit Dealer Data to the Service or authorize its processing by Xlerates or its subprocessors;
(b) Dealer’s violation of confidentiality, use, disclosure, intellectual-property, privacy, contractual, or other restrictions applicable to Dealer Data;
(c) Dealer’s use of Service output in connection with transactions involving customers, lenders, or other third parties;
(d) Dealer’s violation of these Terms or applicable law; or
(e) Dealer’s fraud, willful misconduct, or unauthorized use of the Service.
Xlerates will provide Dealer with reasonably prompt notice of an indemnified claim and reasonable cooperation in its defense. Dealer may control the defense and settlement of the claim, provided Dealer may not enter into a settlement that admits wrongdoing by Xlerates, imposes liability or non-monetary obligations on Xlerates, or materially affects Xlerates’ rights without Xlerates’ prior written consent.
Xlerates may suspend or terminate access to the Service for non-payment, material breach of these Terms, security risk, suspected fraud, unlawful use, or use that creates material risk to Xlerates or the Service, with notice where reasonably practicable.
Dealer may terminate its subscription by canceling as provided in Section 4.
Upon termination, Dealer’s right to use the Service ends.
Sections 2, 5.1, 5.3, 7 through 11, and 13 through 14, together with provisions that by their nature should survive termination, will survive.
Upon written request made within 30 days following termination, Xlerates will delete or return Dealer Data as reasonably practicable, subject to routine backups and information that Xlerates is required or permitted to retain for legal, billing, security, fraud-prevention, or compliance purposes.
Xlerates may modify or discontinue features of the Service and may update these Terms from time to time.
For material changes to these Terms, we will provide notice by email or through the Service at least 14 days before the changes become effective unless a shorter period is reasonably necessary for legal, security, or regulatory reasons.
Continued use of the Service after updated Terms become effective constitutes acceptance of the updated Terms.
The effective date and version appear at the top of this document.
These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws principles.
To the extent permitted by applicable law, the state and federal courts located in Spokane County, Washington will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service, and each party consents to personal jurisdiction and venue in those courts.
These Terms constitute the entire agreement between Dealer and Xlerates regarding the Service unless the parties enter into a separate written agreement that expressly supersedes or modifies these Terms.
If any provision is held unenforceable, the remaining provisions remain in effect.
Dealer may not assign these Terms without Xlerates’ prior written consent. Xlerates may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing transaction, or sale of all or substantially all of the relevant business or assets.
Failure to enforce a provision is not a waiver of the right to enforce it later.
Notices to Xlerates may be sent to support@gettodd.ai or:
Xlerates Technologies LLC
522 W Riverside Ave Ste N
Spokane, WA 99201
Notices to Dealer may be provided through the Service or sent to the email address associated with Dealer’s account.
© 2026 Xlerates Technologies LLC · Privacy Policy